Gavop's guide to buying homeowners insurance in Hamilton, MA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $140,000 | $120,000 | $150,000-$175,000 |
| 2 Bedroom | $270,000 | $220,000 | $250,000-$300,000 |
| 3 Bedroom | $310,500 | $290,000 | $250,000-$300,000 |
| 4 Bedroom | $550,000 | $450,000 | $500,000-$600,000 |
| 5 Bedroom | $970,500 | $790,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$169 | $958 |
| Superior Protection Discount | -$101 | $1,025 |
| Fire & Security Discount | -$113 | $1,014 |
| Hail Resistant Roof Discount | -$34 | $1,093 |
| Newly Constructed Home Discount | -$270 | $856 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Essex County | $700 | $1,334 | $2,034 | $969 | $1,669 | $365 |
| Hamilton, MA | $1,000 | $1,113 | $2,113 | $809 | $1,809 | $304 |
| Cambridge, MA | $300 | $1,283 | $1,583 | $932 | $1,232 | $351 |
| Acton, MA | $2,000 | $1,179 | $3,179 | $857 | $2,857 | $322 |
| Kittery Point, ME | $100 | $991 | $1,091 | $720 | $820 | $271 |
| Stow, MA | $1,500 | $1,126 | $2,626 | $818 | $2,318 | $308 |
| Dover, NH | $500 | $881 | $1,381 | $640 | $1,140 | $241 |
| Ogunquit, ME | $400 | $1,677 | $2,077 | $1,218 | $1,618 | $458 |
| Ashby, MA | $700 | $1,048 | $1,748 | $762 | $1,462 | $286 |
| Home Insurance Company Hamilton, MA | Homeowners Insurance Agency Hamilton, MA | Address | Popularity Score | Distance from Hamilton (miles) |
|---|---|---|---|---|
| Travelers | Charles A Slee Agency Inc | 25 Atlantic Ave, Marblehead, MA, 1945 | 8.7 | |
| Travelers | Prestige Insurance Agency - Middleton | 14 N Main St, Middleton, MA, 1949 | 8.4 | |
| Travelers | Carroll K Steele Ins Agency Inc | 32 Pleasant St, Gloucester, MA, 1930 | 10.0 | |
| Travelers | Bernard M Sullivan Insurance Agency Inc | 12 Market Street, Ipswich, MA, 1938 | 3.8 | |
| Travelers | Fortunato Insurance Agency Inc | 39 Woodbury Street, Beverly, MA, 1915 | 5.4 | |
| Travelers | Bernard M Sullivan Insurance Agency Inc | 12 Market St, Ipswich, MA, 1938 | 3.8 | |
| Travelers | Alden C Goodnow Jr Ins Agy Inc | 16 Park Street, Danvers, MA, 1923 | 5.9 | |
| Travelers | W T Phelan & Company Insurance Agency Inc | 645r Massachusetts Ave, Arlington, MA, 2476 | 21.0 | |
| Travelers | Digiacomo Ins Agency Inc | 134 Highland Ave, Malden, MA, 2148 | 18.3 | |
| Travelers | Soucy Insurance Agency Inc | 85 Lafayette St, Salem, MA, 1970 | 7.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $960 | $1,990 | $1,030 |
| Essex County, MA | $373,400 | $1,350 | $900 | $1,930 | $1,030 |
| Hamilton, MA | $519,200 | $1,127 | $820 | $1,540 | $720 |
| Cambridge, MA | $670,200 | $1,298 | $950 | $1,840 | $890 |
| Acton, MA | $559,400 | $1,193 | $860 | $1,690 | $830 |
| Kittery Point, ME | $329,500 | $1,003 | $710 | $1,390 | $680 |
| Stow, MA | $474,800 | $1,140 | $810 | $1,570 | $760 |
| Dover, NH | $240,400 | $892 | $710 | $1,110 | $400 |
| Ogunquit, ME | $520,200 | $1,697 | $1,170 | $2,430 | $1,260 |
| Ashby, MA | $245,600 | $1,061 | $750 | $1,510 | $760 |