Gavop shows you how to buy homeowners insurance in Adams, MA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $75,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $145,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $192,500 | $180,000 | $150,000-$175,000 |
| 5 Bedroom | $114,000 | $100,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$57 | $655 |
| Home and Two Car | -$121 | $591 |
| Home and Three Car | -$171 | $541 |
| 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 |
| Berkshire County | $2,500 | $910 | $3,410 | $661 | $3,161 | $249 |
| Adams, MA | $2,500 | $704 | $3,204 | $511 | $3,011 | $192 |
| Windsor, MA | $100 | $1,169 | $1,269 | $849 | $949 | $319 |
| Middlefield, MA | $700 | $1,012 | $1,712 | $735 | $1,435 | $276 |
| Woodford, VT | $200 | $682 | $882 | $495 | $695 | $186 |
| Conway, MA | $1,000 | $1,273 | $2,273 | $925 | $1,925 | $348 |
| Warwick, MA | $100 | $968 | $1,068 | $704 | $804 | $265 |
| Pelham, MA | $700 | $1,299 | $1,999 | $944 | $1,644 | $355 |
| North Ballston Spa, NY | $400 | $710 | $1,110 | $516 | $916 | $194 |
| North Westminster, VT | $2,000 | $753 | $2,753 | $547 | $2,547 | $206 |
| Rockingham, VT | $300 | $618 | $918 | $449 | $749 | $169 |
| Wilbraham, MA | $700 | $858 | $1,558 | $623 | $1,323 | $234 |
| Home Insurance Company Adams, MA | Homeowners Insurance Agency Adams, MA | Address | Popularity Score | Distance from Adams (miles) |
|---|---|---|---|---|
| Travelers | Phykitt Insurance Agency | 85 Main Street, North Adams, MA, 1247 | 5.1 | |
| Liberty Mutual Independent | Smith Bros - Mcandrews | 45 Park St, Adams, MA, 1220 | 0.2 | |
| Liberty Mutual Independent | Smith Bros - Mcandrews | 45 Park St, Adams, MA, 1220 | 0.2 | |
| Travelers | Bates Fullam Insurance Agency | 975 Elm St, West Springfield, MA, 1089 | 43.2 | |
| Travelers | Forrest Insurance Agency | 603 N Main St , East Longmeadow, MA, 1028 | 48.1 | |
| Travelers | Coakley Pierpan Dolan & Collins | 296 Main St, Williamstown, MA, 1267 | 6.3 | |
| Travelers | Pioneer Valley Auto Club Ins Agency Inc | 270 Cooley St, Springfield, MA, 1118 | 48.5 | |
| Travelers | Martin J Clayton Ins Agency Inc | 1649 Northampton St, Holyoke, MA, 1040 | 38.1 | |
| Travelers | Centennial Insurance Agcy Inc | 863 Montgomery St, Chicopee, MA, 1013 | 40.8 | |
| Travelers | Centennial Ins Agency Inc | 863 Montgomery St, Chicopee, MA, 1013 | 40.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $940 | $1,930 | $990 |
| Berkshire County, MA | $203,300 | $921 | $650 | $1,320 | $670 |
| Adams, MA | $152,000 | $712 | $480 | $1,000 | $520 |
| Windsor, MA | $288,900 | $1,183 | $800 | $1,630 | $830 |
| Middlefield, MA | $231,100 | $1,024 | $700 | $1,450 | $750 |
| Woodford, VT | $166,300 | $690 | $460 | $950 | $490 |
| Conway, MA | $320,900 | $1,288 | $910 | $1,760 | $850 |
| Warwick, MA | $212,500 | $980 | $700 | $1,380 | $680 |
| Pelham, MA | $328,100 | $1,315 | $910 | $1,830 | $920 |
| North Ballston Spa, NY | $182,900 | $719 | $520 | $990 | $470 |
| North Westminster, VT | $206,700 | $762 | $510 | $1,050 | $540 |
| Rockingham, VT | $158,300 | $626 | $450 | $880 | $430 |
| Wilbraham, MA | $301,200 | $868 | $630 | $1,190 | $560 |