What are personal property exclusions and limits of coverage?

Certain classes of property are specifically excluded from coverage because of the nature of what they are or because they are generally covered by other types of policies (check your policy for a complete list):

• Animals, birds or fish
• motorized vehicles or aircraft, including equipment and accessories
• radios, CB radios, tape decks, etc., while in or on a motor vehicle
• articles separately described and specifically insured in any other insurance
• property of boarders (renters insurance is available and should be considered by boarders).
• aircraft or aircraft parts
• property in an apartment held for rental by the insured
• property rented to others off the residential premises

Certain classes of property have specialized limits of coverage:

• money or related property, coins and precious metals other than tableware
• securities, manuscripts, and other valuable property
• water craft, including trailers and equipment
• trailers
• grave markers
• loss by theft of jewelry, watches, furs and semi-precious stones
• loss by theft of firearms
• loss by theft of silverware, goldware or pewterware.

Microburst K house

Finck & Perras helps customers recover after microburst storm

The Problem: 2014 microburst storm damages customers' homes.

How We Helped

You won't find a better insurance team . . . anywhere

Come experience why we've been voted the best insurance agency in the valley seven years running! Low rates, personal service and a commitment to giving back to the community that is unsurpassed.

finck & perras team photo

An Independent Insurance Agency

Being an independent broker means we can search many companies to find you the coverage that best fits your needs. Here are some of the companies we regularly work with.

All Carriers

Your insurance policy and things to know when planning a backyard wedding.

We often get calls from our customers asking, “Will our homeowners policy cover us if we have a backyard wedding?”

Help! I have a claim and it is after normal business hours!

Who do I call after hours for a claim?

Finck & Perras gives to the community

Gen gives a brief summary of donations to the community in 2017.

Easthampton Office
6 Campus Lane
Easthampton, MA 01027
p: 413.527.3000
f: 413.527.5970
Florence Office
63 Main Street
Florence, MA 01062
p: 413.584.1970
f: 413.584.2438
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