Edward J. McGrath Insurance Ageny
792 Main Street, Dennis, MA 02638
  
Ph: (508) 385-2454 Fx: (508)385-5991
  

REQUEST A QUOTE

For a quote: Fax a copy of your existing policy coverage page to us at 508.385.5991 or use the on-line forms below

Automobile Insurance Quote

Home/Property Insurance Quote

Marine/Watercraft Insurance Quote

We encourage you to contact our office so that we can provide you with the most accurate estimates available.

OUR COMMUNITY

 

Homeowners Insurance:

A home is likely to be the largest financial investment a person will make in their life. With such a significant investment, it is imperative to have a policy custom fit for your needs. In determining the protection required for your home, we take the time to review in great detail the coverage and endorsements available along with limitations and potential hazards a homeowner is vulnerable to. In spite of the tumultuous changes in our industry over the past few years, we have been able to provide competitive options for our customers with stable “A” rated carriers. E.J. McGrath also offers policies for renters, secondary homes occupied or rented to others, condominium policies and new home construction.

Flood Insurance:

Flood Insurance is a federal policy that provides coverage for specific damage that is caused by general flooding from ground water. Where a “flood” is not a covered loss on homeowner’s policies, you may want to consider purchasing a flood insurance policy. We would be happy to advise you of what flood plain your home or business is located in and offer a quote for the cost of premium.

Personal Umbrella Liability policy:

A personal liability policy is becoming more and more essential in today’s times. An umbrella acts as an additional level of protection that responds over and above your primary policies for automobile, homeowners, watercraft, rental properties or recreational vehicles. Umbrella limits range from 1 million to 5 million, are based on your underlying exposures and is an inexpensive way to protect your assets.

For a quote: Fax a copy of your existing policy coverage page to us at 508.385.5991 or use the on-line form below

Insured’s name (Required)
 Email address (Required)
 Phone number
Mailing address
City
 State Zip Code
Property Location
What/Who is on the deed (ie: the owner’s name, a trust, LLC, co owned?)
 
Who resides at the premises?
Is this a single family home?
Yes | No 		Is this a primary residence?
Yes | No
If so, do the owner’s go away for several weeks during the year?
Yes | No 		Is the home rented at any time?
Yes | No 		And if so, for how many weeks

Is this a secondary residence?
Yes | No

If so, how often is the home occupied by the owner and what is the rental time if any?
Are there any tenants or boarders?
Yes | No
Is the home currently insured and coming up for renewal, a new purchase or has coverage lapsed?
 If currently insured, what carrier are you with at this time?
 If coverage has lapsed, how long has the property been uninsured?
Is the home frame construction or masonry?
 Is this home rented year round or more than 12 weeks a year?
Yes | No 		Are there security systems in the home?
Yes | No
What devices are in place for when the home is not occupied (ie: care takers, family who check on the property, monitoring company, central fire/burglary/temperature system in place?)
If this is a secondary home, which insurance company insures your primary residence?
 Which insurance company writes your automobile insurance?
Are any owner’s over the age of 50 and work less than 20 hrs a week?
Yes | No

Some companies may require a credit check, if that is acceptable with you, please provide social security numbers and dates of birth
Social Security Number
 Date of Birth
Is the home on the market?
Yes | No 		Is the home furnished and occupied?
Yes | No 		Is the home currently under construction or renovation?
Yes | No
What year was the home built?
If you have circuit breakers are they "Stab Lok" breakers?
Yes | No 		Is there a woodstove?
Yes | No
Fireplace?
Yes | No
Have there been any updates to:
Roof | Wiring | Circuit breakers or fuses
Plumbing | Heating system
What type of heating is in the home?
Oil | Gas | Electric | Other
If oil tank, where is the tank located? (outside? in the basement? underground?)
Is there a pool or trampoline?
Yes | No
If there is a pool is it fenced in, or is there a diving board or slide?
Yes | No
Is there a basement?
Yes | No
If so is it:
Finished | Unfinished | A walk out basement
Have you had any claims on any homeowner’s policy is the last 6 years?
Yes | No 		Do you have a detached structure such as a detached guesthouse, cottage, garage or other structure on the premises?
Yes | No
If so, is the detached structure rented at all or used for any business?
Yes | No
Is there any business conducted on your premises?
Yes | No 		Do you have an in home business or office?
Yes | No
If yes please describe
Do you own any animals?
Yes | No
If yes, what kind?

If you own a dog, what is the breed?
Are all household members nonsmokers?
Yes | No 		Do you own any recreational vehicles? (ie: ATV, jet ski, snowmobile?)
Yes | No
Do you have a watercraft you would like to obtain coverage for?
Yes | No 		Do you have any domestic employees working for you?
Yes | No 		Would you like us to quote earthquake coverage?
Yes | No
Would you like us to quote increased limits for Ordinance or Law coverage (additional expenses for uncovered building upgrades) or increased limits of Mold and Bacteria coverage?
Yes | No
There is no coverage for flood on the homeowner’s policy so if you would like us to provide a flood quote on a separate federal policy please let us know Please know that the homeowner’s policy has certain limitations for theft of particular items such as jewelry, silver, furs, watches, firearms, etc. If you have any of these items or any other specialty items like these such as fine arts, musical instruments or collectables, you can obtain additional or more extensive coverage for them. We can gladly quote the items as "scheduled" which will provide more coverage. Please list the values and items in particular and we can provide you with the additional premium to insure them.
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