Gavop's guide to buying homeowners insurance in Franklin County, 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.
| Franklin County, MA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Adams Rd, Claybrook Rd, Dunnell Rd, Papoose Lake Dr, Middletown Hill Rd, 5th St, Cemetery Hill Rd, Keets Rd, Blanker Ln, Gass Lite Ln | $245,000 | $200,000 | $250,000-$300,000 | $116,500 | $110,000 | $125,000-$150,000 |
| Kulessa Cross Rd, State St, Solon St, Putney Rd, Richardson Rd, 4th St, Greenough Crossing Rd, Lee Rd, Hillside Rd, Temple Ave | $329,500 | $260,000 | $350,000-$400,000 | $252,500 | $220,000 | $200,000-$250,000 |
| Atherton Rd, Westwood Rd, Princeton Ter, Hockanum Rd, Oak Knoll Dr, Howard St, Drummer Hill Rd, Stage Rd, Wholey Rd, Saban Rd | $207,000 | $170,000 | $175,000-$200,000 | $201,500 | $160,000 | $175,000-$200,000 |
| Mineral Rd, Sammy Ln, Horton Rd, Bear Mountain Trl, Northfield Rd, Reservation Rd, W Oxbow Rd, Chestnut Hill Rd, State Farm Rd, Bungalow Ave | $231,500 | $200,000 | $200,000-$250,000 | $153,000 | $130,000 | $125,000-$150,000 |
| Plains Rd, Wheeler Pond Rd, York Rd, Court Sq, Little Mohawk Rd, N Prescott Rd, Green St, Fournier Rd, Harrison Ave, Dickinson Hill Rd | $134,000 | $120,000 | $150,000-$175,000 | $193,500 | $170,000 | $175,000-$200,000 |
| Hillcrest Dr, Strowbridge Rd, Memorial St, Revere Cir, Burrows Tpke, Revere Hill Rd, Robbins Rd, Russell St, River Rd S, Shadow Ln | $194,500 | $170,000 | $200,000-$250,000 | $125,500 | $120,000 | $100,000-$125,000 |
| Old Stage Rd, Thompson Rd, Jesse Wood Ln, Bardwell Ferry Rd, Pinnacle Ln, Old Orchard Rd, Laurel Lake Rd, Colrain Rd, Cummington Rd, E Guinea Rd | $238,500 | $200,000 | $200,000-$250,000 | $226,500 | $200,000 | $200,000-$250,000 |
| Vassar Way, Fargo Dr, Central St, Osborne Rd, Cooke St, Gates Rd, Court Sq, Bass Rd, State Rte 8 A, Evergreen Dr | $182,500 | $160,000 | $150,000-$175,000 | $159,000 | $150,000 | $125,000-$150,000 |
| Howes Rd, Intervale Rd, Clement St, Gaida Dr, Cornwell Rd, Buckland Rd, Eden Rd, Lyman Hill Rd, Cooleyville Rd, Eden Trail Rd | $211,000 | $200,000 | $175,000-$200,000 | $127,500 | $110,000 | $100,000-$125,000 |
| Shutesbury Rd, Poplar Mountain Rd, Mount Hermon School Rd, Williamsburg Rd, Bellus Rd, Grant Way, Allen St, Haywood St, Norwood St, Roosevelt St | $220,500 | $180,000 | $175,000-$200,000 | $199,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $807 |
| Superior Protection Discount | -$88 | $885 |
| Fire & Security Discount | -$88 | $885 |
| Hail Resistant Roof Discount | -$29 | $943 |
| Newly Constructed Home Discount | -$263 | $710 |
| 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 |
| Franklin County | $1,000 | $961 | $1,961 | $698 | $1,698 | $263 |
| Franklin County, MA | $1,000 | $961 | $1,961 | $698 | $1,698 | $263 |
| Goshen, MA | $100 | $1,132 | $1,232 | $823 | $923 | $309 |
| Baldwinville, MA | $2,000 | $917 | $2,917 | $666 | $2,666 | $251 |
| Clarksburg, MA | $1,000 | $893 | $1,893 | $649 | $1,649 | $244 |
| New Braintree, MA | $100 | $1,115 | $1,215 | $811 | $911 | $305 |
| Stratton, VT | $2,000 | $1,050 | $3,050 | $763 | $2,763 | $287 |
| North Granby, CT | $300 | $1,510 | $1,810 | $1,097 | $1,397 | $413 |
| Leominster, MA | $1,500 | $973 | $2,473 | $707 | $2,207 | $266 |
| Clinton, MA | $300 | $886 | $1,186 | $644 | $944 | $242 |
| Home Insurance Company Franklin County, MA | Homeowners Insurance Agency Franklin County, MA | Address | Popularity Score | Distance from Franklin County (miles) |
|---|---|---|---|---|
| Travelers | Mancuso-Nowak Insurance Agency | Joe Mancuso 252 Boston Turnpike, Shrewsbury, MA, 1545 | 48.9 | |
| Allstate | Sarah Brody-Isbill | 492 Washington St, Auburn, MA, 1501 | 47.5 | |
| Travelers | Bair Insurance | 6 Main Street, Charlton, MA, 1507 | 44.4 | |
| Travelers | Bair Insurance | 6 Main Street, Charlton, MA, 1507 | 44.4 | |
| Travelers | Horizon Insurance Llc | 1062 Pleasant St, Worcester, MA, 1602 | 43.4 | |
| Travelers | Handy - Apple Valley Insurance Agency, Llc | 440 Park Avenue, Worcester, MA, 1610 | 45.3 | |
| Travelers | Centennial Insurance Agcy Inc | 863 Montgomery St, Chicopee, MA, 1013 | 27.7 | |
| Travelers | Small Business Insurance Agency Inc | 542 Main St, Worcester, MA, 1608 | 46.1 | |
| Travelers | Insurance Marketing Agencies | 306 Main Street, Worcester, MA, 1608 | 46.0 | |
| Travelers | Robert P Powers Insurance Agency Inc | 10 Institute Road, Worcester, MA, 1609 | 45.8 |
| 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 | $1,950 | $920 |
| Franklin County, MA | $226,600 | $972 | $660 | $1,350 | $690 |
| Franklin County, MA | $226,600 | $972 | $660 | $1,370 | $710 |
| Goshen, MA | $276,600 | $1,146 | $840 | $1,570 | $730 |
| Baldwinville, MA | $189,600 | $928 | $680 | $1,270 | $590 |
| Clarksburg, MA | $178,200 | $904 | $610 | $1,280 | $670 |
| New Braintree, MA | $270,700 | $1,129 | $810 | $1,600 | $790 |
| Stratton, VT | $374,000 | $1,063 | $780 | $1,510 | $730 |
| North Granby, CT | $368,400 | $1,528 | $1,080 | $2,170 | $1,090 |
| Leominster, MA | $231,700 | $985 | $670 | $1,360 | $690 |
| Clinton, MA | $248,100 | $896 | $650 | $1,260 | $610 |