Rebuilding Costs Are Rising Is Your Coverage Keeping Up?
Don’t just insure your home’s value — protect its future.
Why Most Home Policies Fall Short
Most home policies only cover what your home is worth — not what it costs to rebuild. At Fallon Insurance Agency, we focus on real coverage that reflects modern construction costs, supply chain challenges, and the financial risk of being underinsured.
What We Include in Every Quote
-
Extended Replacement Cost
Covers rebuilds beyond your home’s current value
-
Sewer & Drain Backup
Up to $25,000 in water damage protection
-
Service Line Protection
Up to $10,000 to repair underground pipes & wiring
-
Equipment Breakdown
HVAC, appliances, water heaters — covered when they fail
Bonus Add-ons
Ordinance & Law Coverage
Stay compliant if codes change after a claim
Identity Theft Protection
Coverage & support if your identity is stolen