Chas. F. Hartshorne & Son, Inc.

Insurance since 1870

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Chas. F. Hartshorne & Son, Inc.
3 Chestnut Street
Wakefield, MA 01880

Homeowner Insurance

Homeowner's insurance provides coverage for your home and personal possessions, as well as protection against being sued.


  • Dwelling
    Covers your home and any structures against most types of losses.
  • Other Structures
    Covers all other structures on your property set apart from your home by a clear space against most types of losses.
  • Personal Property
    Covers personal property owned or used by you, anywhere in the world.
  • Loss of Use
    Pays necessary living expenses incurred if you have a covered loss and are unable to reside at home.
  • Personal Liability
    Protects you against a claim or lawsuit for damages due to bodily injury or property damage.
  • Medical Payments
    Pays necessary medical expenses resulting from accidental injury to others.


  • Replacement Cost Protection
    Insures your home for the full price of repairing or replacing it, regardless of how much it costs.
  • Personal Property Replacement Cost
    Pays the cost of repairing or replacing personal property if damaged or destroyed.
  • Additional Protection
    Increases the limit for claims on items such as money, watercraft and business property and trailers. Also increases the limit for liability and insurance medical payments as well as providing personal injury coverage.
  • Personal Injury
    Extends coverage for a loss arising out of false arrest, libel, slander, or invasion of privacy.