Gavop's guide to buying homeowners insurance in Harvard, 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.
| Harvard, MA - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Craggs Rd, Buena Vista St, Cameron Rd, Westcott Rd, Queenstown St, Grove Pond Rd, Lundy Ave, Finns Rd, Ann Lees Rd, Slough Rd | $805,000 | $690,000 | $900,000-$1,000,000 | $412,500 | $380,000 | $400,000-$500,000 |
| Orchard Hill, Warren Ave, Saratoga Blvd, Givry St, Poor Farm Rd, Green Hill Rd, Auman St, Park Ln, Ann Lee Rd, Warner Rd | $868,000 | $730,000 | $700,000-$800,000 | $617,000 | $580,000 | $600,000-$700,000 |
| Still River Depot Rd, Feinburg St, Harvard Rd, Davao Cir, Sycamore St, Ohlin Ln, Mirror Lake Rd, Birch Cir, Bates St, Sawyer Ln | $835,000 | $690,000 | $700,000-$800,000 | $483,000 | $440,000 | $500,000-$600,000 |
| Woodchuck Hill Rd, Lafayette St, Cleaves Hill Rd, Haskell Ln, Withington Ln, Lancaster County Rd, W Bare Hill Rd, Lundy Ln, Sherman Ave, Jacob Gates Rd | $732,500 | $680,000 | $700,000-$800,000 | $301,500 | $250,000 | $350,000-$400,000 |
| Tahanto Trl, Old Schoolhouse Rd, Pond Rd, Harris Ln, Corn Rd, Antietam St, Ayer Rd, Bulge Rd, Pattee Rd, Grant Rd | $500,500 | $420,000 | $500,000-$600,000 | $401,500 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$175 | $993 |
| Superior Protection Discount | -$117 | $1,051 |
| Fire & Security Discount | -$105 | $1,063 |
| Hail Resistant Roof Discount | -$35 | $1,133 |
| Newly Constructed Home Discount | -$315 | $853 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,537 |
| Hail Damage | $4,759 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,386 |
| Home Insurance Company Harvard, MA | Homeowners Insurance Agency Harvard, MA | Address | Popularity Score | Distance from Harvard (miles) |
|---|---|---|---|---|
| Travelers | Stanton Insurance Agency Inc | 230 2nd Ave, Waltham, MA, 2451 | 18.4 | |
| Travelers | Francis E Provencher Insurance | 530 Rogers St, Lowell, MA, 1852 | 17.8 | |
| Liberty Mutual Independent | The Howe Insurance Agency | 4 Punchard Ave, Andover, MA, 1810 | 25.2 | |
| Travelers | D Francis Murphy Insurance Agency Inc | 201 Main St, Groton, MA, 1450 | 7.3 | |
| Travelers | Lemire Insurance Agency Llc | 213 Main Street Ste 1, Hudson, MA, 1749 | 7.9 | |
| Travelers | Gallant Insurance Agency Inc | 87 Main St, Pepperell, MA, 1463 | 11.1 | |
| Travelers | Dekay Insurance Agency | 651 E Broadway, So Boston, MA, 2127 | 30.5 | |
| Liberty Mutual Independent | Kaplansky Insurance Agency | 14 Nason St #101, Maynard, MA, 1754 | 8.5 | |
| Travelers | Rice Insurance Agency | 177 Milk St 306, Boston, MA, 2109 | 29.2 | |
| Travelers | Lemire Insurance Agency Llc | 213 Main St Ste 1, Hudson, MA, 1749 | 7.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $1,000 | $2,020 | $1,020 |
| Worcester County, MA | $260,800 | $1,024 | $700 | $1,440 | $740 |
| Harvard, MA | $544,000 | $1,168 | $830 | $1,610 | $780 |
| Stow, MA | $474,800 | $1,140 | $760 | $1,580 | $820 |
| Hudson, MA | $319,700 | $913 | $630 | $1,290 | $660 |
| Andover, MA | $603,700 | $1,301 | $900 | $1,780 | $880 |
| Reading, MA | $491,200 | $1,137 | $780 | $1,570 | $790 |
| Malden, MA | $359,700 | $1,296 | $880 | $1,840 | $960 |
| Franklin Town, MA | $403,000 | $938 | $680 | $1,340 | $660 |
| West Bridgewater, MA | $327,200 | $932 | $670 | $1,280 | $610 |
| Sunderland, MA | $282,000 | $1,162 | $790 | $1,590 | $800 |