Gavop's guide to buying homeowners insurance in Northampton, 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.
| Northampton, MA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Calvin Ter, Village Hill Rd, Olive St, Haydenville Rd, Green St, Woodmont Rd, Conz St, Sheffield Ln, Eastern Ave, Heading Ave | $216,500 | $180,000 | $175,000-$200,000 | $223,000 | $180,000 | $200,000-$250,000 |
| Brisson Dr, Water St, Allen Pl, Old Ferry Rd, Black Birch Trl, View Ave, Moser St, Brookside Cir, Munroe St, N Elm St | $147,000 | $140,000 | $150,000-$175,000 | $214,500 | $190,000 | $200,000-$250,000 |
| Burts Pit Rd, Mont View Ave, Rainbow Rd, Isabella St, Woodland Dr, Marian St, Straw Ave, Ventures Field, Finn St, Chapel St | $127,500 | $110,000 | $125,000-$150,000 | $196,000 | $160,000 | $200,000-$250,000 |
| Kensington Ave, Lonsdale Ave, Laurel Park, Villone Dr, Wilder Pl, Hinckley St, Loudville Rd, Birch Hill Rd, Service Center Rd, Manhan St | $124,500 | $110,000 | $125,000-$150,000 | $174,000 | $160,000 | $175,000-$200,000 |
| Dewey Ct, Masonic St, New South St, Jewett St, Lake St, Glendale Ave, Sanderson Ave, Westhampton Rd, Forest Glen Dr, E Center St | $188,000 | $170,000 | $175,000-$200,000 | $315,000 | $270,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $836 |
| Home and Two Car | -$154 | $754 |
| Home and Three Car | -$227 | $681 |
| 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 | $1,500 | $1,042 | $2,542 | $757 | $2,257 | $285 |
| Northampton, MA | $2,000 | $898 | $2,898 | $652 | $2,652 | $245 |
| Granby, MA | $300 | $917 | $1,217 | $666 | $966 | $251 |
| Franklin County, MA | $1,000 | $961 | $1,961 | $698 | $1,698 | $263 |
| North Granby, CT | $500 | $1,510 | $2,010 | $1,097 | $1,597 | $413 |
| Colrain, MA | $2,000 | $947 | $2,947 | $689 | $2,689 | $259 |
| Brookfield, MA | $500 | $996 | $1,496 | $724 | $1,224 | $272 |
| Ellington, CT | $1,000 | $842 | $1,842 | $612 | $1,612 | $230 |
| Leicester, MA | $100 | $851 | $951 | $618 | $718 | $232 |
| Holden, MA | $500 | $843 | $1,343 | $613 | $1,113 | $230 |
| Thompson, CT | $700 | $883 | $1,583 | $642 | $1,342 | $241 |
| Home Insurance Company Northampton, MA | Homeowners Insurance Agency Northampton, MA | Address | Popularity Score | Distance from Northampton (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Oconnor & Co Insurance Agency Inc | 16 Village St, Dudley, MA, 1571 | 44.6 | |
| Travelers | Mancuso-Nowak Insurance Agency | 252 Boston Turnpike, Shrewsbury, MA, 1545 | 47.9 | |
| Liberty Mutual Independent | Knight-Dik Insurance Agency | 446 Main Street, Worcester, MA, 1608 | 44.9 | |
| Travelers | Babineau Insurance Agency | 546 Electric Avenue, Fitchburg, MA, 1420 | 46.9 | |
| Travelers | Forrest Insurance Agency | 603 N Main St , East Longmeadow, MA, 1028 | 18.5 | |
| Travelers | Horizon Insurance Llc | 1062 Pleasant St, Worcester, MA, 1602 | 42.4 | |
| Travelers | Marsh & Mclennan Agency Llc | C/O Protetor Group 975 Merriman Ave, Leominster, MA, 1453 | 48.7 | |
| Travelers | Coakley-P-D-C Ins Agcy Inc | 296 Main St, Williamstown, MA, 1267 | 36.8 | |
| Travelers | Goss & Mclain Insurance Agcy | 1767 Northampton St, Holyoke, MA, 1040 | 8.8 | |
| Liberty Mutual Independent | Northeast Insurance Agency Inc | 567 Southbridge St, Auburn, MA, 1501 | 43.5 |
| 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 | $2,000 | $970 |
| Hampshire County, MA | $272,700 | $1,055 | $730 | $1,510 | $780 |
| Northampton, MA | $318,000 | $909 | $630 | $1,250 | $620 |
| Granby, MA | $262,300 | $928 | $670 | $1,280 | $610 |
| Franklin County, MA | $226,600 | $972 | $660 | $1,350 | $690 |
| North Granby, CT | $368,400 | $1,528 | $1,080 | $2,170 | $1,090 |
| Colrain, MA | $203,500 | $959 | $650 | $1,360 | $710 |
| Brookfield, MA | $224,300 | $1,008 | $690 | $1,380 | $690 |
| Ellington, CT | $249,700 | $852 | $590 | $1,210 | $620 |
| Leicester, MA | $231,300 | $861 | $610 | $1,220 | $610 |
| Holden, MA | $294,600 | $853 | $620 | $1,220 | $600 |
| Thompson, CT | $204,000 | $894 | $640 | $1,220 | $580 |