Gavop's guide to buying homeowners insurance in Amherst Center, 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 | $113,500 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $250,000 | $210,000 | $200,000-$250,000 |
| 3 Bedroom | $297,000 | $240,000 | $200,000-$250,000 |
| 4 Bedroom | $511,000 | $440,000 | $500,000-$600,000 |
| 5 Bedroom | $754,000 | $660,000 | $700,000-$800,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$84 | $848 |
| Home and Two Car | -$149 | $783 |
| Home and Three Car | -$224 | $708 |
| 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 |
| Hampshire County | $2,500 | $1,042 | $3,542 | $757 | $3,257 | $285 |
| Amherst Center, MA | $2,500 | $921 | $3,421 | $669 | $3,169 | $252 |
| South Amherst, MA | $500 | $1,235 | $1,735 | $898 | $1,398 | $338 |
| East Granby, CT | $1,000 | $913 | $1,913 | $664 | $1,664 | $250 |
| Brattleboro, VT | $200 | $639 | $839 | $464 | $664 | $175 |
| Monterey, MA | $700 | $2,050 | $2,750 | $1,490 | $2,190 | $560 |
| Wilmington, VT | $500 | $802 | $1,302 | $583 | $1,083 | $219 |
| Stockbridge, MA | $2,500 | $1,977 | $4,477 | $1,437 | $3,937 | $540 |
| Winsted, CT | $100 | $704 | $804 | $511 | $611 | $192 |
| Hancock, MA | $2,500 | $1,056 | $3,556 | $768 | $3,268 | $289 |
| Sheffield, MA | $100 | $1,161 | $1,261 | $844 | $944 | $317 |
| Townshend, VT | $2,500 | $765 | $3,265 | $556 | $3,056 | $209 |
| Home Insurance Company Amherst Center, MA | Homeowners Insurance Agency Amherst Center, MA | Address | Popularity Score | Distance from Amherst Center (miles) |
|---|---|---|---|---|
| Travelers | Mid State Insurance Agency | 93 Stafford St Ste 2, Worcester, MA, 1603 | 35.9 | |
| Travelers | Ripple Effect Insurance Inc | 335 Main St , Douglas, MA, 1516 | 46.3 | |
| Liberty Mutual Independent | Wiersma Insurance | 781 Main St, Whitinsville, MA, 1588 | 46.1 | |
| Travelers | Ripple Effect Insurance Inc | 335 Main St, Douglas, MA, 1516 | 46.3 | |
| Travelers | Marshall Insurance Agency Inc | 2 S Bolton St, Marlborough, MA, 1752 | 49.8 | |
| Travelers | New Worcester Insurance Agency | 687 Main Street, Worcester, MA, 1610 | 37.3 | |
| Travelers | Axia Insurance Services Inc | 933 E Columbus Ave, Springfield, MA, 1105 | 19.7 | |
| Travelers | Handy - Apple Valley Insurance Agency, Llc | 440 Park Avenue, Worcester, MA, 1610 | 36.4 | |
| Travelers | Coakley Pierpan Dolan & Collins | 296 Main St, Williamstown, MA, 1267 | 40.9 | |
| Travelers | Mccrillis & Keep Insurance Agcy, Inc. | 44 St , Auburn, MA, 1501 | 37.0 |
| 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 | $2,020 | $1,080 |
| Hampshire County, MA | $272,700 | $1,055 | $760 | $1,470 | $710 |
| Amherst Center, MA | $327,100 | $932 | $660 | $1,320 | $660 |
| South Amherst, MA | $309,800 | $1,250 | $840 | $1,780 | $940 |
| East Granby, CT | $288,000 | $924 | $670 | $1,270 | $600 |
| Brattleboro, VT | $211,700 | $647 | $470 | $920 | $450 |
| Monterey, MA | $472,600 | $2,075 | $1,490 | $2,860 | $1,370 |
| Wilmington, VT | $240,900 | $812 | $540 | $1,140 | $600 |
| Stockbridge, MA | $462,000 | $2,001 | $1,440 | $2,760 | $1,320 |
| Winsted, CT | $143,900 | $712 | $490 | $1,020 | $530 |
| Hancock, MA | $248,700 | $1,069 | $780 | $1,530 | $750 |
| Sheffield, MA | $286,400 | $1,175 | $800 | $1,620 | $820 |
| Townshend, VT | $214,300 | $774 | $520 | $1,090 | $570 |