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Home Insurance

The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Prime Home • Condo Insurance • Second Home • Rentals Insurance • Vacant Home • Home Under Construction

Compulsory Auto Policy Coverage

• Your Home
• Other Buildings or Structures on your Property
• Your Personal Belongings – furniture, clothing, appliances, etc.
• Additional Living Expenses
• Your Personal Legal Liability

Special features for additional security

• Home Replacement Guarantee
• Replacement Cost on Contents
• Additional Coverage Form

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Frequently Asked Question

Why do I need homeowners insurance?
Homeowners insurance helps protect one of your largest investments by providing financial protection if your home is damaged by a covered loss or if you’re found responsible for injuries or property damage to others. Whether you own your first home or have lived there for years, Sullivan Insurance & Financial can help homeowners throughout Massachusetts, New Hampshire, and Maine find coverage that fits their needs.
Does homeowners insurance cover wind and hail damage?

Many homeowners insurance policies include coverage for damage caused by windstorms and hail. Coverage details and deductibles vary by policy, so it’s important to review your coverage before severe weather strikes, especially in Massachusetts where coastal storms and nor’easters can occur.

How can I lower my homeowners insurance premium?
There are several ways you may be able to reduce your premium, including bundling your home and auto insurance, choosing a higher deductible, installing security or fire protection devices, and maintaining a good claims history. Our team can also help identify discounts you may qualify for.
What is personal property coverage?
Personal property coverage helps pay to repair or replace your belongings if they’re damaged or stolen because of a covered loss. This can include furniture, clothing, electronics, appliances, and many other personal items, up to your policy limits.
Does homeowners insurance cover guest injuries?
If someone is injured while visiting your property, the liability portion of your homeowners insurance may help cover medical expenses or legal costs if you’re legally responsible. Sullivan Insurance & Financial can help homeowners in Haverhill and throughout New England review their liability limits to make sure they have appropriate protection.
Should I insure my home for its market value?
Not usually. Homeowners insurance is designed around the cost to rebuild your home after a covered loss, not its current real estate value. Our experienced advisors can help determine the replacement cost coverage that’s appropriate for your home.
Does filing a homeowners insurance claim increase my premium?

Not necessarily. While claims history can influence future premiums, each insurance company evaluates claims differently. Factors such as the type of claim, frequency of claims, and your insurer’s underwriting guidelines all play a role.

What happens if my home is damaged beyond repair?
If your home is declared a total loss because of a covered event, your homeowners insurance may help pay to rebuild it up to your policy limits. It’s a good idea to review your coverage regularly to help ensure it reflects today’s rebuilding costs in Massachusetts and throughout New England.
Can I bundle my home and auto insurance?
Yes. Many insurance carriers offer discounts when you bundle your homeowners and auto insurance. Bundling can often lower your premiums while making your insurance easier to manage under one agency.
How often should I compare homeowners insurance quotes?
It’s smart to review your homeowners insurance every few years or anytime your circumstances change, such as after remodeling, purchasing a new home, or adding valuable belongings. Sullivan Insurance & Financial can review your current policy and compare options from multiple carriers to make sure you’re getting the right protection at a competitive price.
Do I need additional coverage for coastal storms or flooding in New England?

Standard homeowners insurance does not cover flood damage, and some coastal homes may have unique insurance needs. If you live in Massachusetts, New Hampshire, or Maine, our team can review your property’s location and recommend flood insurance or other specialized coverage to help protect your home from regional weather risks.

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.

Sullivan Insurance

& Financial Inc.

487 Groveland Street Haverhill MA 01830

Phone: 978-372-2790
Toll-Free: 866-372-2790
Fax: 978-373-2281
Email: info@sullivanif.com

Monday-Thursday 9-5
Fridays 9-12 Noon
By appointment anytime

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