Homeowners Insurance

Home. It’s where lasting memories are made. It’s where you and your loved ones feel safe. Where you keep your most valued possessions. And it’s also one of your biggest investments. We know how important it is to find the right balance between properly protecting that investment and doing so at a fair price.

We’ve spent over forty years helping our friends and neighbors to consider the details of their insurance program. We take the time to help our clients understand the factors that equate to the right replacement cost, and that number can differ greatly depending on if your home is custom, historic, or of a more modest construction. We also underscore the importance of identifying the items in your home that may be subject to a different limit (sublimit) of insurance; the full value of items like fine art, jewelry, collections or furs would otherwise go unpaid in the event of a loss. That’s just the start.

Liability in general is a tremendous consideration when it comes to a homeowner’s program design. But in today’s world there are new and emerging issues to consider. It’s no longer about whether your pool is fenced in or if you have a trampoline; it’s about new issues such as drones and short-term rental. Our team is well versed in all of it, and through personalized service and attention to the details we help you to manage the risk wrapped up in the ownership and occupancy of your home.

Two Convenient Locations

Our unique position as a broker based in both Massachusetts and New Hampshire allows us to seamlessly handle our insureds who have property ownership interests in both states. Finally, you now have a way to work with a single agent for your primary and vacation homes!

Protection for your:

  • Home and other structures
  • Personal property
  • Primary and secondary homes throughout New England
  • Collections and valuables
  • Current and future assets
  • and more!

Your Personal Insurance Program Team

Get a Quote!

For the fastest and most accurate quote, please fill in our form below and one of our team members will be in contact with you soon.

"...The level of attention and professionalism far exceeded that which I had previously experienced through more than 40 years ... Sara’s professionalism and dedication captured me and very quickly we worked together to rewrite and move all of my insurance to Mason & Mason."


Barry S. Jandebeur - Bartlett, NH

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What You Should Know Before You ...

If you have a slope-side vacation home at Attitash or a chalet in Jackson, you might have been tempted to earn some extra money or offset the costs of the home through short-term rentals during ski season. With the influx of vacation rental websites like Airbnb and VRBO, renting your home out has never be easier. Enter some personal information and data about the home, upload some pictures, and voila! You’re one step closer to replenishing your bank account. As easy as it sounds, though, we urge you to keep several considerations in mind before temporarily handing the keys to your home over to an overnight guest.

Do I need more insurance?

 Your co-worker Fred and his family want to stay at your house in North Conway, NH for a week during the ski season this winter and insist on paying. If you rent your house out only that one time, you likely don’t need special insurance. However, if you rent it out for a few weeks every winter to several different parties, you will need to explore what options are available to cover your increased exposure to risk.

While many of the online vacation rental websites now offer insurance to those who rent their homes, coverage varies and some policies are more comprehensive than others. The only way to truly know you have the right amount of coverage is to contact your insurance agent ahead of time.

I’ve decided to list my property as a vacation rental. What should I do next?

Check local regulations. Many towns and cities are enacting ordinances to restrict short-term rentals. Violations can result in large fines and even jail time. If your second home is a condo or part of a co-op, make sure your short-term rental does not violate any of the HOA by-laws.

Minimize your liability.

  • Hire a professional snow removal service that can help you maintain your property during the winter. The service should remove ice and snow from walkways and driveways, and also clear pathways for oil or propane delivery, if applicable, as well as remove ice and snow from vents and meters.
  • Warmer days may cause snow and ice to melt, but it might refreeze overnight, causing a hazard. Leave ice melt at the home in a convenient location so the renters can spread it if necessary.
  • Those cameras you placed in your living room to monitor for break-ins can expose you to privacy lawsuits with renters. Remove cameras before renting or disclose their location(s) in the rental agreement.
  • Drain hot tubs. You might think a hot tub makes your rental more attractive, but it only increases the chances of a liability claim. What if your renter is intoxicated and slips and falls in the hot tub? Who will clean the hot tub and ensure the water’s pH balance is maintained so your renters don’t contract skin infections?
  • Maintain your systems. Have your boiler, hot water heater, and appliances checked on an annual basis.
  • Turn the hot water down. Hot water heaters are typically set at 140 degrees Fahrenheit by default; yet, adjusting the temperature to 120 degrees will still kill bacteria while reducing the chances of scalding.
  • Replace batteries in the smoke detectors and CO2 detectors yearly. Replace the entire units every 10 years.
  • Make sure all small appliances—coffee pots, clothes irons, toaster ovens—have auto shut-offs.
  • Check out each renter. While each short-term rental site (Airbnb, VRBO, etc.) will perform a minimal check to make sure renters are actual humans with valid email addresses, you will want to perform your own background check to make sure the person or people staying in your home are up to snuff. Google their names, check them out on social media, and ask for references to determine whether they are quality renters.

Protect your assets.

  • Theft coverage is limited or sometimes not covered at all, so if you are renting out your entire house, consider removing your personal items from the premises or placing items you don’t want the renters to use into a locked owner’s closet.
  • Everyone at Mason & Mason loves pets. However, as an insurance agency, we know that some pets aren’t as well trained as others and you could have issues with dog bites or destruction of your property. Does your policy cover this?
  • Create and share a clear set of house rules. Spell out whether or not you allow smoking and where, how many guests can be in the house at one time, when noise should be kept to a minimum, etc.
  • Hire a trusted cleaning company. Not only will they keep your property looking good, but they’ll also let you know immediately when something is amiss or missing.

More Questions to Ask Your Insurer

If your renter knocks over a candle and a small fire causes smoke damage, what happens next? Does your insurance cover the cost to professionally clean your furniture? Does it cover the cost to professionally clean your renter’s personal belongings? What if the renter has to stay elsewhere for a few days to allow repairs to be made? Who covers the cost of a hotel? Ask your insurer detailed questions about different scenarios so you can understand what is and isn’t covered before an incident occurs.

Renting your vacation home can be an effective way to offset costs and make extra money; it can also expose you to liability. Contact us before you hand the keys to your house over to someone else. We’re happy to answer any questions you might have or explore insurance alternatives that will protect you in case something goes wrong.


Con-DO or Con-DON’T – Condo Insurance ...

There are some advantages to condominium living. One, people feel, is that the association handles insurance so they skip the hassle of having to arrange their own coverage.  While that’s true to some degree, as with most things in life, it’s more complicated than it appears. There are traps for the unwary. To know what the association is going to take care of you need a copy of the by-laws and the master deed. These documents should be made available to your insurance advisors in order that they may design your coverage to coordinate with the “master policy”.

Questions to ask yourself when determining what kind of coverage you need:

  • Will the master policy cover the parts of the unit that you own? – Many associations are obligated to purchase property insurance that covers all building elements including those owned by an individual.  Others are not and the master policy covers only commonly owned elements of buildings.  The master deed identifies commonly owned elements and delineates the boundaries of individually owned units.  The by-laws indicate the association’s obligation.
  • What deductible has been chosen for the master policy? – If damage occurs in your unit only there is little doubt you will be responsible for the deductible even if the master policy provides coverage.  Many associations choose higher deductibles than an individual would be comfortable with in order to keep condo fees low.
  • Who will provide coverage if you improve your unit by adding higher end cabinetry, counter tops or other enhancements? – The master deed and by-laws will answer this question.
  • What is your exposure for assessments due to uncovered or inadequately covered damage to common elements or high deductibles?
  • Is your investment protected in the event of a total loss? – Again, look to the master deed and by-laws as well as the limit available under the master policy.
  • What will you need to adequately cover your personal property and your personal liability exposures? – Of course, the association will not provide any protection in these areas.  They are usually handled with a Condominium Unit Owners Policy.
  • Is the master policy written on a specialized condominium form? – Forms and endorsements have been developed for condominiums that recognize the special relationship of unit owners and the association in relation to the insurer.  These forms are important in reducing the exposures of individual unit owners.

Don’t assume. Whatever you do, don’t assume that your condo association has you covered. Do some research, get answers and get peace of mind.


Fireplace Maintenance

Your fireplace looks beautiful and adds warmth to your home. It can also be a fire hazard, though. Protect your home and family as you enjoy the beautiful ambiance when you follow a fireplace maintenance schedule and implement safety tips this winter.

Check the Chimney

An essential part of your fireplace, the chimney needs a thorough inspection once a year. Hire a professional to look for cracks and other damage and to clean out combustible buildup like creosote. Then, secure a spark-arrestor screen to the chimney as you prevent dangerous sparks from escaping and damaging animals from entering.

Start the Fire Safely

Before you light a relaxing fire, open the flue. Start the fire with only approved materials like newspaper and dry logs. Once you have the fire going, don’t use it to burn holiday gift wrapping or grill food.

Maintain the Screen or Door

Every fireplace needs a safety screen or glass door. It prevents sparks from flying into your home and discourages your children or pets from reaching into the fireplace. Ensure the screen is constantly in place and free from any damage as you reduce accidental burns and other injuries.

Remove Combustibles

Flammable rugs, draperies, paper and other combustibles should be located at least three feet away from the fireplace. Otherwise, these combustible materials could cause a fire.

Use the Right Tools

Metal tools safely adjust logs and remove ash. Store them near the fireplace (but out of your children’s reach!)

Provide Proper Supervision

Always supervise your fire. If left unattended, sparks could start a fire in your home or your children or pets could walk into the bright but hot embers.

Remove Ash and Coal Properly

A one-inch layer of ash in the firebox insulates the fire. To remove excess ash or coals, wait until they’re completely cool. Use an ash vacuum or metal shovel, and place the materials in a secure metal container outdoors.

You’ll safely enjoy your fireplace all season when you use proper fireplace maintenance procedures. For more fireplace safety tips, visit This Old House online. Keeping your home in top condition can actually help reduce your insurance premiums. Give us a call today to update your home insurance policy and provide a layer of protection for your family and house.