- Dan Frankel
Homeowners & Renters Insurance
Updated: Jun 6, 2022
Acacia Insurance is committed to providing just the right insurance coverage for your home and personal needs. Our firm has been serving clients across New England, New York, and twenty other states across the U.S. since 1988. We specialize in designing insurance strategies that provide ample property coverage while limiting your exposure to unknown risks like personal liability.
Whether you’re renting an apartment or have just bought an estate home—our wide range of home insurance packages will protect your investment in your home, vacation property, boat, and valuables.
Have you made improvements to your home over the years? Did you inherit or buy a second home? Is your jewelry covered by your home insurance? Would insurance extend to your trampoline or pool?
The right options for you
Insurance for your home, condo, or apartment should be tailored to your needs. You should know what is insured and for how much before a claim occurs.
Not sure what coverage options are right for you? Start by telling us about you, your home, and asking questions about what insurance covers.
Beyond the Basics:
Ins and Outs of the Massachusetts Homestead Law
The state of Massachusetts has developed the Homestead Act to help protect your primary residence against third-party claims. There are many situations where you may not have the appropriate coverage, or where you may get sued for more than the amount of coverage that you carry. It is a very real possibility that your assets, including your house, would be vulnerable in a large personal injury settlement. Keep reading...
Is your home underinsured?
Did you know that almost two out of three homeowners are underinsured? Look at your neighbor to the left and your neighbor to the right. One of the three of you is likely to be underinsured by 20%. That translates to self-insuring $20k for every $100k of your home’s value. Keep reading...
Why is the market value of my home different from the amount of insurance I have?
While the current market value of your home may be lower than you’d like, the cost to rebuild may be higher than you think. Here are some helpful tips to keep your home insurance up to date as you make changes to your home over time. Keep reading...
FAQs on home replacement costs and "Dwelling A" coverage limits
How is a home’s replacement cost determined and why is it important? What are some differences between a home’s Estimated Replacement Cost and a home’s Market Value? Find out the answers to these and other questions. Keep reading...
Stormy Weather — FAQs
The typical Homeowners Policy provides coverage to your home and other structures under an open perils policy, giving coverage for your loss unless a listed exclusion applies to the cause of loss. And while most policies cover wind damage, they only cover water damage that is a direct result of rain entering though a wind-damaged area. Huh? We’ve put together a list of frequently asked questions, FAQs, that address most common situations. Keep reading...
Dealing with ice dams
Ice dams occur when ice builds up along the eaves of your roof. Ice dams form when snow and
ice melt off the main part of your roof and refreeze when they reach the eaves. This happens because the eaves (the overhangs at the edge of your roof) tend to be colder than the rest of the roof. Keep reading...
Planning for a natural disaster
Disasters may be unpredictable, but planning for them can help protect you and your loved ones in the event of an unspeakable calamity. Just as importantly, a plan can help you recover. Keep reading...
If you heat your home with oil, read this
Massachusetts is not alone in having a state law which addresses oil leaks from your home heating system. If you heat your home with oil, laws like this may require action on your part prior to ensure coverage in the event of a leak. Keep reading...
Condominium coverage gaps and pitfalls
Purchasing a comprehensive policy designed specifically for condominium owners is a solid foundation for your personal insurance needs. There are bound to be some gaps in coverage here and there – that’s where endorsements come into play. Endorsements are attachments to your policy that either add coverage or expand the limits of existing coverage. Keep reading...
Home office insurance tips
There has been an explosion in the number of home-based businesses in recent years – but an alarming number of home business owners aren’t properly insured. Keep reading...
The mystical world of claims payments, revealed!
Most of us don’t have the time (or inclination) to sit down and prepare a cost/benefit analysis on our home insurance. And unless you’re receiving Acacia Insurance’s brand of exceptional service and intelligent insurance, selecting home insurance may amount to throwing darts at a wall and hoping for the best. Keep reading...
Ready to learn more?
Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.