Gavop's guide to buying homeowners insurance in Oxford, 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 | $85,500 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $145,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $356,500 | $300,000 | $250,000-$300,000 |
| 4 Bedroom | $442,000 | $360,000 | $400,000-$500,000 |
| 5 Bedroom | $414,500 | $360,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$130 | $734 |
| Superior Protection Discount | -$86 | $777 |
| Fire & Security Discount | -$69 | $794 |
| Hail Resistant Roof Discount | -$17 | $846 |
| Newly Constructed Home Discount | -$233 | $630 |
| 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 |
| Worcester County | $2,500 | $1,012 | $3,512 | $735 | $3,235 | $276 |
| Oxford, MA | $1,500 | $853 | $2,353 | $620 | $2,120 | $233 |
| Warren, MA | $100 | $799 | $899 | $581 | $681 | $218 |
| Wauregan, CT | $1,000 | $936 | $1,936 | $680 | $1,680 | $256 |
| Cochituate, MA | $100 | $1,014 | $1,114 | $737 | $837 | $277 |
| Providence, RI | $1,000 | $1,002 | $2,002 | $728 | $1,728 | $274 |
| Wellesley, MA | $200 | $1,032 | $1,232 | $750 | $950 | $282 |
| Holyoke, MA | $2,500 | $866 | $3,366 | $629 | $3,129 | $237 |
| Bristol, RI | $700 | $982 | $1,682 | $714 | $1,414 | $268 |
| Stoneham, MA | $400 | $996 | $1,396 | $724 | $1,124 | $272 |
| Nashua, NH | $1,500 | $894 | $2,394 | $650 | $2,150 | $244 |
| Home Insurance Company Oxford, MA | Homeowners Insurance Agency Oxford, MA | Address | Popularity Score | Distance from Oxford (miles) |
|---|---|---|---|---|
| Travelers | Vargas & Vargas Insurance | 1133 Washington Street Lower Mills Dorchester, Boston, MA, 2124 | 42.1 | |
| Travelers | Mid State Insurance Agency | 93 Stafford St Ste 2, Worcester, MA, 1603 | 7.8 | |
| Travelers | Mainstream Insurance Agency Inc | 704 Southbridge St, Worcester, MA, 1610 | 8.4 | |
| Travelers | Broadway Insurance Agency | 810 Broadway, Everett, MA, 2149 | 46.6 | |
| Travelers | Cabot Risk Strategies Llc | 15 Cabot Rd, Woburn, MA, 1801 | 45.8 | |
| Travelers | Goodworks Insurance | 708 Park Ave, Worcester, MA, 1603 | 8.2 | |
| Travelers | Kaplansky Insurance Agency Inc | 104 Prospect St, Cobbs Allen & Hall Inc., MA, 1757 | 17.7 | |
| Liberty Mutual Independent | Randolph Insurance Agency | 901 Norht Main Street, Randolph, MA, 2368 | 41.8 | |
| Allstate | Peter Bacchiocchi | 59 Green St, Worcester, MA, 1604 | 9.7 | |
| Travelers | Hadley Insurance Agency Inc | 246 Durfee St, Fall River, MA, 2720 | 46.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $1,030 | $1,960 | $930 |
| Worcester County, MA | $260,800 | $1,024 | $690 | $1,450 | $760 |
| Oxford, MA | $232,600 | $864 | $620 | $1,230 | $610 |
| Warren, MA | $205,000 | $809 | $570 | $1,120 | $550 |
| Wauregan, CT | $169,300 | $947 | $690 | $1,340 | $650 |
| Cochituate, MA | $608,400 | $1,027 | $750 | $1,420 | $670 |
| Providence, RI | $181,100 | $1,014 | $700 | $1,410 | $710 |
| Wellesley, MA | $1,042,300 | $1,045 | $700 | $1,430 | $730 |
| Holyoke, MA | $182,700 | $876 | $620 | $1,250 | $630 |
| Bristol, RI | $318,800 | $994 | $720 | $1,420 | $700 |
| Stoneham, MA | $438,700 | $1,008 | $730 | $1,380 | $650 |
| Nashua, NH | $248,200 | $905 | $720 | $1,120 | $400 |