About Our Home Insurance


Your home is very likely your most valuable asset, and we treat it that way.  We  have over 30 years of insurance experience and have insured thousands of homes throughout Massachusetts. Whether you need to insure the smallest cottage, a brownstone or multi-family, or a million dollar estate, we have the capacity and knowledge to do it.  Take comfort in knowing that we represent some of the best national and regional insurance companies now writing Homeowners Insurance in Massachusetts.

“Our number one goal at Kiley & O’Toole is to have a long-term relationship with our customers. For me the way to achieving this goal is quite simple…focus on our customers’ needs and strive to provide them with valuable insurance knowledge, great customer service, and competitive pricing.”   Tom O’Toole, President-Founder

Determining the Right Insurance Coverage

Knowing the Construction or Replacement Cost of your home is most important in determining the amount of coverage that is right for your home. Rest assured, at no cost to you our insurance consultants will take the time to complete a professional Replacement Cost Estimate.

A Homeowners Insurance policy provides coverage for personal property, but there are special, low limits on certain personal items, such as jewelry, art and fine rugs and furniture. For these special items we can provide you with coverage pricing and help you determine whether it is worth paying the extra premium.

Homeowners Discounts Available:

Just a short list of the many discounts we can offer (discounts vary by insurance company)

Account Discount — Up to a 20% discount for Homeowners insurance when the same insurance company provides auto coverage for at least one vehicle.

Protective Device Credit — Up to a 20% discount if you have a security system installed in your home. Note: discounts vary depending on the type of security system you have.

Loss Free Credit — Up to a 10% credit if, for at least 3 years, you have been loss free.

New Home Credit — A discount on your new home (savings based on year home built).

Homebuyer Credit — A homeowners insurance discount on your newly purchased home (savings based on year home purchased).

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