Home Insurance

Your home deserves more than basic protection. At F&T Insurance Agency, we help homeowners across Massachusetts, Rhode Island, Connecticut, and New York secure the right home insurance—with policies tailored to real risks and guided by real people.

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Your Property Matters

Home Insurance That Fits

No two homes—or homeowners—are alike. That’s why we take the time to explain coverage options, answer questions, and guide you through the process one-on-one. From storm-ready houses in Westport MA to classic colonials in Connecticut, we offer homeowners insurance residents can count on.

Storm Damage

Our home insurance includes coverage for wind, hail, and seasonal weather events common to coastal and inland New England.

Fire & Theft

We help protect your home’s structure and belongings from fire, theft, and other covered losses—ensuring reliable property insurance families can trust.

Liability Protection

Injuries happen. Our house insurance clients appreciate our straightforward liability coverage—essential for homeowners in every state we serve.

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Questions We Hear Most

  • What does standard home insurance typically cover?

    Most policies include protection for the dwelling, personal belongings, liability, and additional living expenses during repairs.

  • Do I need home insurance if I own my house outright?

    Yes—while it's not legally required, insurance protects your investment and personal assets against damage, theft, or liability.

  • Is flood damage covered under home insurance?

    No, standard policies don’t include flood coverage. We’ll help you evaluate risk and add a flood policy if needed.

  • Can I bundle my home and auto insurance?

    Yes, and many of our clients do. Bundling may reduce your premium and make managing your policies easier.

  • How do I get the best home insurance rate?

    We help clients compare options to find the best home insurance MA residents can afford—without cutting corners on coverage.

Local Help, Real Answers

Let’s Protect Your Home

At F&T Insurance Agency, we make home insurance personal. You’ll get one-on-one support, clear advice, and guidance at every step—from comparing home insurance quotes to walking you through a claim. No call centers. No pressure. Just real people helping you protect what matters.

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