Your home is more than just a house, it's where life happens. And a Massachusetts homeowners insurance policy helps to protect you and your family when the unexpected happens. Protect what matters most with personalized coverage.
With expert guidance and trusted local service, we make insurance simple and stress-free.
The average cost of homeowners insurance in Massachusetts is $2,045 annually, or about $170 per month.
Location plays a significant role in the cost of homeowners insurance, and the higher-cost cities and towns tend to be located along the coast. For example, residents of Bristol County, MA pay $2,494 on average, or roughly $208 per month. Compare that to Worcester county, MA, where home insurance is $1,973 on average, or $164 per month.
Other factors that can impact home insurance costs include the age of the home, the size of the home, and maintenance habits. Discounts may apply if you've made certain upgrades to protect your home and family, such as a security alarm system.
Your home is unique, and so are your coverage needs. To get a competitive price for your Massachusetts home insurance, the best thing to do is compare quotes from multiple providers.
At Oak Grove Insurance, we make it easy to compare home insurance rates and coverage options in Massachusetts. We partner with some of the most trusted insurance companies in the Bay State and our team is dedicated to finding you the best coverage for your home and family. Since we are not tied to a single Massachusetts home insurance company, we are able to offer you the most competitive rates.
Contact us today to learn more about how we can save you money on your Massachusetts home insurance.
We look forward to helping you protect your Massachusetts home and your family!
Massachusetts homeowners insurance policies offer coverages designed to protect your home and your personal property in the event of a covered loss. A policy can also provide protection against third-party liability claims.
Dwelling coverage is the primary form of coverage offered by a Massachusetts home insurance policy, and it can provide coverage in the event of fire, lightning strike, and windstorms. It covers the physical structure of your home, including attached structures such as garages, decks, and patios. The following items are typically covered under dwelling coverage:
It's worth noting that home insurance does not provide coverage for flooding events. A homeowner would need a separate flood insurance policy for protection against floods.
Personal property coverage protects your belongings that are stored in your home, such as furniture, clothing, appliances, and electronics. The following items are typically covered under personal property coverage:
Personal property coverage typically reimburses your for the cost of replacing lost or damaged items due to certain disasters, such as fire, lightning, and windstorms. Valuables, such as jewelry, artwork, collectibles, and camera equipment, may need to be scheduled onto a home insurance policy to ensure they are properly covered.
Liability protection is an important part of homeowners insurance. It can help to cover legal expenses and damages if a visitor is injured or their property is damaged while on your premises. The following are typically covered under liability protection:
It's important to ensure your homeowner's policy provides the coverage you need to protect yourself from potential claims. Most Massachusetts homeowners should consider an umbrella insurance policy to extend their home insurance liability coverage.
Unless clearly specified, most Massachusetts home insurance policies do not cover damaged caused by floods or earthquakes. Homeowners in coastal areas are typically required to maintain a higher deductible for damage due to windstorms.
Earthquake coverage is available in Massachusetts but it can be expensive. It is important to compare costs and coverage limits before purchasing a policy.
Flood coverage is available through a separate flood insurance policy. While the majority of flood insurance policies are provided by the National Flood Insurance Program (NFIP), there are also some private markets available.
Insurance companies in Massachusetts are eager to offer homeowners discounts on their policies. Common discounts include:
Be sure to inquire about the various discounts available when shopping around for Massachusetts homeowners insurance policies. By taking the time to compare quotes and coverage limits, you can ensure that you find the right policy for your needs.
At Oak Grove Insurance, we understand the importance of finding the right Massachusetts homeowners insurance policy to protect your home and belongings. That's why we make it easy for your to compare quotes and coverage limits from a wide range of providers.
Our experienced agents will work with you to go over policy options and help you select the coverages that meet your needs at an affordable rate. When it comes to file a claim, our knowledgeable staff will be there every step of the way to ensure you get the best possible outcome.
Contact us today for more information and to find out how we can help you save on your Massachusetts homeowners insurance policy.