Ways to Save in Massachusetts

Your home is one of your most cherished possessions. The hard earned money you’ve invested in it should be protected in the most cost-effective way possible. Taking certain steps could lead to discounts in your insurance premium.
Note: These savings programs apply to Massachusetts only.
For New Hampshire, Vermont and Maine click here.

HOMEOWNERS

Homeowners Advantage Credits (Massachusetts only)
You may be eligible to receive Advantage credits if you...

• are a non-smoker
• are age 55 or older
• do not have a coal or wood stove
• do not have a swimming pool
• do not have pets
• renew your policy with us

Year of Construction Credit
Based on the age of your home, you could receive up to a 20% credit.

Protective Devices
Tell us about your smoke detector, fire alarm, burglar alarm, fire extinguisher, and dead bolt locks to get the proper credit.

ESP
Extra Security and Protection (ESP)is a special combination of coverages added to the homeowner policy at no extra cost to policyholders. Compare to your current insurance policy and make sure you have all the generous benefits that ESP provides, including: refrigerated goods coverage, mortgage renegotiation expense, increased counterfeit money protection, and lock replacement coverage.

ESP+
Extra Security Protection Plus (ESP+) is a unique package of coverages offered at minimal cost to the policyholder. The benefits include: increased limits on special personal property; Personal Injury Protection against slander, libel, defamation of character, invasion of privacy, etc.; and coverage for Extended Bodily Injury resulting from an act committed by the insured to protect persons and property.