Gavop shows you how to buy homeowners insurance in Manchester-by-the-Sea, 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 | $242,500 | $220,000 | $200,000-$250,000 |
| 2 Bedroom | $408,000 | $380,000 | $400,000-$500,000 |
| 3 Bedroom | $701,500 | $630,000 | $500,000-$600,000 |
| 4 Bedroom | $718,500 | $590,000 | $700,000-$800,000 |
| 5 Bedroom | $1,113,500 | $960,000 | $900,000-$1,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$93 | $940 |
| Home and Two Car | -$176 | $857 |
| Home and Three Car | -$258 | $774 |
| 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 | $2,000 | $1,334 | $3,334 | $969 | $2,969 | $365 |
| by, MA | $2,000 | $1,020 | $3,020 | $741 | $2,741 | $279 |
| Stoneham, MA | $400 | $996 | $1,396 | $724 | $1,124 | $272 |
| Medford, MA | $700 | $1,252 | $1,952 | $910 | $1,610 | $342 |
| Woburn, MA | $200 | $1,426 | $1,626 | $1,037 | $1,237 | $390 |
| Methuen Town, MA | $2,500 | $867 | $3,367 | $630 | $3,130 | $237 |
| Framingham, MA | $400 | $1,326 | $1,726 | $963 | $1,363 | $362 |
| East Pepperell, MA | $2,000 | $1,092 | $3,092 | $793 | $2,793 | $298 |
| Cordaville, MA | $100 | $2,207 | $2,307 | $1,604 | $1,704 | $603 |
| Mansfield, MA | $2,500 | $967 | $3,467 | $703 | $3,203 | $264 |
| Home Insurance Company by, MA | Homeowners Insurance Agency by, MA | Address | Popularity Score | Distance from by (miles) |
|---|---|---|---|---|
| Travelers | Charles River Insurance Brokerage | 5 Whittier St 4th Fl, Framingham, MA, 1701 | 37.0 | |
| Travelers | Babson Elwell & Davis Inc | 44 Blackburn Center, Gloucester, MA, 1930 | 7.1 | |
| Travelers | Carroll K Steele Ins Agency Inc | 32 Pleasant St, Gloucester, MA, 1930 | 6.2 | |
| Travelers | Fortunato Insurance Agency Inc | 39 Woodbury Street, Beverly, MA, 1915 | 5.4 | |
| Travelers | Fravel Insurance Agency | 6 High Street, Danvers, MA, 1923 | 8.9 | |
| Travelers | Avalon Risk Management | 27 Congress St Ste 407, Salem, MA, 1970 | 7.3 | |
| Liberty Mutual Independent | Richard Robinson Sheppard Ins Llc | 152 Conant St Ste 304, Beverly, MA, 1915 | 7.5 | |
| Travelers | Carroll K Steele Ins Agency Inc | 32 Pleasant St, Gloucester, MA, 1930 | 6.2 | |
| Travelers | Benevento Insurance Agency Inc | 497 Humphrey St, Swampscott, MA, 1907 | 9.9 | |
| Travelers | Carroll K Steele Ins Agency Inc | 31 Broadway, Rockport, MA, 1966 | 9.7 |
| 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 | $1,990 | $1,050 |
| Essex County, MA | $373,400 | $1,350 | $930 | $1,880 | $950 |
| by, MA | $763,600 | $1,033 | $730 | $1,460 | $730 |
| Stoneham, MA | $438,700 | $1,008 | $740 | $1,420 | $680 |
| Medford, MA | $443,100 | $1,267 | $850 | $1,740 | $890 |
| Woburn, MA | $394,900 | $1,444 | $1,000 | $2,010 | $1,010 |
| Methuen Town, MA | $305,000 | $877 | $630 | $1,250 | $620 |
| Framingham, MA | $371,200 | $1,342 | $980 | $1,840 | $860 |
| East Pepperell, MA | $262,200 | $1,105 | $800 | $1,570 | $770 |
| Cordaville, MA | $531,200 | $2,234 | $1,610 | $3,110 | $1,500 |
| Mansfield, MA | $386,800 | $979 | $680 | $1,350 | $670 |