1. Home Owners /Condo Owners &
Renters Insurance
The coverage you have depends upon the type of policy you have. Unlike auto insur-
ance, where the policies are pretty much the same, homeowners policies can be quite
different, depending on the "form" number.
The most common types of
homeowner policies are:
HO3 Special (Deluxe/All Risk)
HO4 Renters policy
HO6 Condo policy
HO8 Older Home Policy
Mystic Insurance
Medford, MA 02155
(P) 781-396-0482
(F) 781-396-0483
info@mysticins.com
Find Us Online!
www.sanvitiagency.com
www.mysticins.com
Sanviti Insurance
Everett, MA 02149
(P) 617-389-2020
(F) 617-389-2418
info@sanvitiagency.com
Mystic and Sanviti Insurance Agencies —
Committed to ensuring you are appropriately covered.
Sanviti & Mystic Insurance Agencies
A Typical Policy Consists of Three Things:
1. The Declarations Page - Declares who, what and how much you are insuring, along
with the date your coverage starts and the premium.
2. The Policy Booklet - Details of the coverages & exclusions.
3. Endorsements - Usually with endorsement numbers, that change (or endorse) spe-
cific parts of the policy.
* It's a good idea to save the original policies should you ever need a reference
All homeowner policies are "package" policies. You get a group of coverages,
packaged into your policy, for one overall premium. They include coverage on
your building, your contents (furniture, clothing, etc.) and liability insurance in
case you are sued.
Contact us at either office for a complimentary, no-obligation quote or policy analysis.
Let one of our licensed professional insurance agents help you with any of your personal or business insurance needs.
What is Typically Covered:
Dwelling: Your house, attached garage or shed, built-in appliance, attached decks & wall-to-wall carpeting
Other Structures: Animal enclosures, detached decks-garages and sheds, driveway, fence, gazebo, greenhouse, swing
sets, walls and swimming pools (to name a few)
Personal Property: Your household contents and personal belongings are all considered “personal property” and are
insured under the coverage limit that totals 50% of the amount of insurance you have on the home.
What is Typically Not Covered:
Deterioration: Damage to your house from natural wear and tear is not covered
Driveway: Damage from freezing, thawing, pressure or weight of water or ice is not covered
Mold: Damage resulting from mold is not covered
Thawing: Damage to the foundations of your house, retaining walls or bulkheads resulting form thawing/freezing is not
covered
Termites: Damage from termites is not covered
* this is not a comprehensive list—please ask your agent for the specifics on your policy!