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(508) 477-0021 — Mashpee Office

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Homeowners Insurance & Helpful Tips

Your home is the single biggest investment you make in your life and we want to help to protect it. At the Paul Peters Agency, Inc. our highly skilled and experienced agents evaluate your current coverage, make recommendations and find coverage solutions suited to your unique needs.

Our Agents will review, discuss and advise you on all of the coverages that a homeowners policy provides. They will determine the proper amount of coverage to be carried on your home and explain to you additional coverages that can be added if so needed.

Most importantly, we will always be there for you in the event of a loss. Our claims staff has a combined 70 years experience of handling claims and we take pride in guiding and assisting our Insured from the beginning to the end to make certain your loss is settled in a fair and timely manner.

Our Carriers:

  • Barnstable County Mutual
  • Safety Insurance Company
  • Vermont Mutual
  • United Property & Casualty
  • Universal Property & Casualty
  • Lloyd's of London
  • Massachusetts Property Insurance Underwriting Association

Flood Insurance

Many people feel that flood insurance is for homes that are located near the coast or by large lakes and rivers. Nothing can be further from the truth! In addition to the ocean, our area has many bays and estuaries which means you can be far away from the ocean and still be subject to the perils of flood. There are many variables and different flood zones, therefore it is very important that we make you aware of your exposure to flood and then advise you accordingly.

Extreme weather can and will happen. Floods and flash floods can occur all over the state. Hurricanes are the most severe natural events that will drive destructive flood waters into your home, but they are far from the only danger. Torrential rains, clogged sewer drains, soaked grounds and snow melt will contribute to catastrophic flood emergencies.  

Let us be very clear on this:  Your homeowner policy will not pay for flood damage. You will need to purchase a separate policy. Floods are more common than any other natural disaster in the United States, even in areas far from water, and are among the most costly. Around 25% of flood insurance claims come from regions classified as having only low or moderate risk. Ironically, the people who do live in high-risk areas often think their property is too dangerous to qualify for flood insurance, though this is not true.

Floods are defined as what happens when water inundates land that is normally dry. This is usually caused by overflow, rapid accumulation of surface water (typically caused by rain), or mudflows. Massachusetts has a great deal of experience with flooding, often caused by severe storms. Floods can happen at any location where the ground is unable to absorb excess water. This can be worsened by erosion or poor drainage.


When floods do strike, they damage the structure, walls, floors, foundation, and furniture of a home. Unfortunately, this kind of damage is not usually covered by the homeowners insurance  policy. Federal disaster assistance only applies if the flooded area is declared a natural disaster, and the average flood does not qualify for this.


This is why flood insurance is so important. This covers the damage and physical losses caused by floods. Many kinds of floods are covered, including: basic floods, flash floods, tidal surges, flood –related erosion, and mudflows. Certain areas of Massachusetts are actually part of a flood plain, making flood insurance essential for local residents.

Lastly, keep in mind that when you apply for flood insurance, you must go through a 30 day waiting period before becoming covered, so we recommend purchasing your flood policy as soon as possible!

Additional Policies:

  • *Flood Insurance
  • Windstorm Insurance
  • Renters Insurance
  • Dwelling Fire Insurance
  • Condominium Unit-Owner Insurance

*All agents are up-to-date on current flood insurance laws and changes.