Gavop's guide to buying homeowners insurance in Hadley, 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 | $93,500 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $246,000 | $230,000 | $200,000-$250,000 |
| 3 Bedroom | $259,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $534,500 | $470,000 | $500,000-$600,000 |
| 5 Bedroom | $780,500 | $680,000 | $700,000-$800,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$80 | $809 |
| Home and Two Car | -$142 | $747 |
| Home and Three Car | -$213 | $676 |
| 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 | $700 | $1,042 | $1,742 | $757 | $1,457 | $285 |
| Hadley, MA | $1,000 | $879 | $1,879 | $639 | $1,639 | $240 |
| East Granby, CT | $300 | $913 | $1,213 | $664 | $964 | $250 |
| East Windsor, CT | $400 | $884 | $1,284 | $642 | $1,042 | $242 |
| Sandisfield, MA | $700 | $1,192 | $1,892 | $866 | $1,566 | $326 |
| Holden, MA | $400 | $843 | $1,243 | $613 | $1,013 | $230 |
| Hartford County, CT | $1,000 | $1,063 | $2,063 | $773 | $1,773 | $291 |
| West Stockbridge, MA | $300 | $1,364 | $1,664 | $992 | $1,292 | $373 |
| Thompson, CT | $2,000 | $883 | $2,883 | $642 | $2,642 | $241 |
| Chaplin, CT | $200 | $1,024 | $1,224 | $744 | $944 | $280 |
| Mansfield Center, CT | $2,000 | $1,108 | $3,108 | $805 | $2,805 | $303 |
| Home Insurance Company Hadley, MA | Homeowners Insurance Agency Hadley, MA | Address | Popularity Score | Distance from Hadley (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Oconnor & Co Insurance Agency Inc | 16 Village St, Dudley, MA, 1571 | 40.8 | |
| Travelers | Mainstream Insurance Agency Inc | 704 Southbridge Street, Worcester, MA, 1610 | 39.6 | |
| Travelers | Marc Alkes Insurance | 1405 Main St, Worcester, MA, 1603 | 37.5 | |
| Travelers | Leitao Insurance Agency | 564 Center St, Ludlow, MA, 1056 | 13.4 | |
| Travelers | Crimmins Graveline Insurance | 1382 Main St, Palmer, MA, 1069 | 18.5 | |
| Travelers | Forrest Insurance Agency | 603 N Main St , East Longmeadow, MA, 1028 | 19.1 | |
| Travelers | Handy - Apple Valley Insurance Agency, Llc | 440 Park Ave, Worcester, MA, 1610 | 38.8 | |
| Travelers | Welsh & Parker Insurance | 131 Coolidge Street 131 Coolidge Street, Hudson, MA, 1749 | 49.5 | |
| Travelers | Northwood Eshbaugh Insurance Agcy Inc | 300 W Main St, Northborough, MA, 1532 | 46.8 | |
| Travelers | G M Abodeely Ins Agcy Inc | 10 W Main St, Westborough, MA, 1581 | 49.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $960 | $2,000 | $1,040 |
| Hampshire County, MA | $272,700 | $1,055 | $760 | $1,490 | $730 |
| Hadley, MA | $310,100 | $889 | $600 | $1,270 | $670 |
| East Granby, CT | $288,000 | $924 | $670 | $1,270 | $600 |
| East Windsor, CT | $204,300 | $895 | $600 | $1,230 | $630 |
| Sandisfield, MA | $296,500 | $1,206 | $870 | $1,650 | $780 |
| Holden, MA | $294,600 | $853 | $590 | $1,180 | $590 |
| Hartford County, CT | $235,300 | $1,076 | $740 | $1,520 | $780 |
| West Stockbridge, MA | $345,500 | $1,381 | $940 | $1,910 | $970 |
| Thompson, CT | $204,000 | $894 | $640 | $1,280 | $640 |
| Chaplin, CT | $195,300 | $1,036 | $700 | $1,480 | $780 |
| Mansfield Center, CT | $222,700 | $1,121 | $750 | $1,560 | $810 |