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Homeowners Insurance


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Whether your home is a house, apartment, condo, or mobile home, you want to protect it. We offer a variety of homeowners policies designed to meet your needs, no matter where you live.

Homeowners insurance can provide you with protection against most losses including storm and fire damage, theft of your personal property, or accidents occurring on your property for which you may be liable. We also offer flood and earthquake insurance to protect your home from natural disasters.

Homeowners insurance can provide coverage for:

  • Condominium and Co-op Living - Living in a condominium or sharing your living space in a Co-op requires unique protection.
  • Vacation and Second Homes - These require proper insurance protection because most are unoccupied for an extended period of time. In addition, rental of these properties can incur additional exposure that must be addressed correctly to ensure proper coverage.
  • Valuable Objects - Jewelry, fine art, firearms, computers, furs, or other valuables can be worth far more than what would be covered under a standard policy.
  • In-Home Office - Individuals with an office or business in their home have made a significant investment that may not be covered in a traditional policy.

Other Personal Insurance

We offer a variety of other personal insurance options to meet your needs, whether you're looking to protect yourself from potential lawsuits or to insure your valuables.

Personal umbrella liability insurance is designed to provide coverage for significant liability losses. This policy protects you against liability claims and lawsuits that exceed your primary insurance coverage. A personal umbrella provides $1 million or more in extra coverage above your homeowners, auto or other personal insurance policy liability limits.

The liability losses may involve:

  • Bodily injury to others
  • Property damage to others
  • Personal injury to others (such as libel, slander, and malicious prosecution)

With our personal insurance floater policies, you can rest assured that your valuable possessions will remain safe and be protected from loss, damage or theft.

At Berkshire Bank, we make insurance easy. With just a few minutes of your time, you'll get recommendations from an insurance expert on the coverage that's right for you. Simply contact us, or stop by the nearest Berkshire Insurance Group office.
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Insurance