Bardwell, Bowlby Karam Ins. Agency Inc. - Personal Bardwell, Bowlby & Karam Ins. Agency Inc. - Personal twitter logo-bw box facebook logo-bw

101 South Street, Pittsfield MA 01201


Insurance agent House key Homeowners insurance policy House insurance

Understand your homeowners insurance

Understand homeowners insurance coverage can be tricky. Luckily Bardwell, Bowlby & Karam Ins. Agency Inc. are here to make it easy.


Essentially it is a package policy that covers both your liability or legal responsibility for injuries and property damage you or members of your family cause to others, plus damage to your property.

There are 4 types of coverage

Your homeowners insurance policy typically covers 4 types of coverage: the structure of your home, your personal belongings, liability protection, and additional living expenses.

How to choose the right level of coverage

Policies differ based on the level of coverage, whether the covered home is owned, or rented, and whether it's a condominium. Insurance companies have numerous pricing plans for each type of coverage.

Contact us to learn how you can reduce your auto insurance rates by bundling with homeowners insurance.

Today is the day to get your coverage in order! Call us now.


Get help selecting the right coverage

When you turn to Bardwell, Bowlby & Karam Ins. Agency Inc. you're turning to a company that can help you make sense of the many options available to you. As an independent agent we can work with many providers to find you the right level of coverage and the best rates.

icon Independent Insurance Agent cross insurance sports logos