Homeowners Policies

Flexible coverage that fits your life.

Bunker Hill offers coverage for Homes, Condos, Apartments, Vacation Homes, and Rental Properties.

Our standard policy offers comprehensive protection against property and liability losses including:

  • the unexpected costs of rebuilding your home in the event of catastrophic loss
  • repairs that might be required by current building codes after a loss in an older home
  • replacing household contents
  • insuring high value property such as jewelry, silverware or fine art as individual, “scheduled” items
  • many of the expenses associated with identity theft

Customers can customize their policy by adding individual endorsements that offer higher limits of protection.

Protection Packages

Customers can also select higher levels of coverage with our Smart Choice, Advantage, 1775, and Advantage Plus packages.

Smart Choice and Advantage

Smart Choice provides Massachusetts homeowners and Advantage provides Connecticut homeowners with increased coverage for your home’s physical structure and your personal property, and protection against liability for accidents that injure other people.

1775 and Advantage Plus

Get even more coverage, including up to 150% of the replacement cost of your home with Bunker Hill’s 1775 (MA) or Advantage Plus (CT) programs.

Compare Bunker Hill Homeowner’s Coverage Options:

Smart Choice (MA) and Advantage (CT) 1775 (MA) and Advantage Plus (CT)
Named Peril Coverage All Perils Coverage (MA only)
Tree removal - $500 per event, no need to hit a covered structure Tree removal - $1,000 per event ($500 max per tree), no need to hit a covered structure
$5,000 / $2,000 jewelry and watches $5,000 / $2,000 jewelry and watches (including misplaced, lost)
$5,000 theft of credit card $10,000 theft of credit card


Umbrella Insurance

Bunker Hill provides up to $2,000,000 of coverage for our Massachusetts customers who need greater financial protection.

Contact an independent agent to find out which policy is right for you. Terms and conditions apply.

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