Home and Renters Insurance

The best homeowner's policy is one that provides the right protection for the value of your buildings and personal possessions at the right cost.

Goss & McLain Insurance Agency, Inc. in Holyoke, MA, has policies and programs to meet the needs of every type of homeowner or renter. We also have special programs for people who operate a business in their home.

Our agents work with you, your home, and your needs to craft a policy that gives you the right amount of coverage for dwelling, wherever you live!
Can you afford to lose everything in your apartment or rental house to fire, theft, or accident?

Insurance For Every Home

  • Single-family residence
  • Condominium units
  • Apartments
  • Renters and personal property
  • Seasonal residences
  • Business in the home coverages
  • Fire dwelling only

Get A Home Insurance Quote Fast: Fill Out Our Online Form!
We offer programs for each situation and free insurance-to-value reviews.

Renters Insurance

Renter's property and liability insurance is one of the most overlooked and under-used coverages. Yet it is extremely important. Remember, your landlord is responsible for the building, not your personal property.

Special Considerations

  • Value of all your personal property – furniture, clothing, DVDs, jewelry et al.
  • Personal liability for accidental injuries to visitors or guests
  • Medical payments to others in case of accident
  • Additional living expenses if you lose use of your apartment
  • Money, silverware, securities, credit card, jewelry protection

Discount Programs

Let Goss & McLain Insurance Agency, Inc. save you money! We take the time to understand your policy needs and the condition of your home to give you the most complete and affordable coverage possible.

  • Home/Auto Account: If you place both your home and your auto insurance with the same insurance company, you can earn a special discount.
  • New Home Discount: If your house was built in recent years, you may qualify for a significant credit on the premium for a standard homeowners policy.
  • Installed Alarm Systems: Among the more prudent loss prevention steps you can take is the installation of alarm systems for your home and car. Discounts for such systems are available in varying amounts, depending on the type of alarm installed and operating,

Homeowners Deductible Options

One of the most popular ways to reduce the cost of homeowner's insurance is to select an optional higher deductible. While your share of any loss you suffer will be greater, your annual premium savings can range from 20% to 30%. Ask your Goss & McLain Insurance Agency, Inc. representative to assist you with finding out which deductible works best for you, and how much you may save.

Factors That Affect Your Coverage

  • Home/Auto account discount
  • Personal liability “umbrella”
  • Non-smoker household discount
  • Replacement cost valuation
  • Safety discounts: anti-theft, smoke/CO alarms
  • Business in the home
  • Value of home contents
  • Jewelry, collections, silver
  • Flood insurance
  • Identity Theft Coverage
  • Earthquake coverage

Flood damage coverage

Standard homeowner's policies do not cover flood damage. Special coverage is required under a separate insurance plan. If your town has flood plain zoning in place, you may be eligible for insurance through a special federal government program.

Your home is your most valuable asset – protect it with a policy from Goss & McLain Insurance Agency, Inc.! Call an agent today at 413-534-7355.