Gavop shows you how to buy homeowners insurance in Gardner, MA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $77,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $153,500 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $278,500 | $230,000 | $250,000-$300,000 |
| 4 Bedroom | $240,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $448,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $648 |
| Superior Protection Discount | -$68 | $686 |
| Fire & Security Discount | -$68 | $686 |
| Hail Resistant Roof Discount | -$15 | $738 |
| Newly Constructed Home Discount | -$158 | $595 |
| 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 |
| Worcester County | $1,000 | $1,012 | $2,012 | $735 | $1,735 | $276 |
| Gardner, MA | $2,500 | $744 | $3,244 | $541 | $3,041 | $203 |
| Shelburne, MA | $500 | $1,080 | $1,580 | $785 | $1,285 | $295 |
| Bedford, MA | $2,000 | $1,011 | $3,011 | $735 | $2,735 | $276 |
| Burlington, MA | $700 | $1,092 | $1,792 | $794 | $1,494 | $298 |
| Springfield, MA | $2,000 | $806 | $2,806 | $586 | $2,586 | $220 |
| Medfield, MA | $200 | $1,025 | $1,225 | $745 | $945 | $280 |
| North Andover, MA | $100 | $1,062 | $1,162 | $772 | $872 | $290 |
| Somerville, MA | $2,500 | $1,549 | $4,049 | $1,125 | $3,625 | $423 |
| Home Insurance Company Gardner, MA | Homeowners Insurance Agency Gardner, MA | Address | Popularity Score | Distance from Gardner (miles) |
|---|---|---|---|---|
| Travelers | Kw Insurance Agency Llc | 414 Washington St, Dedham, MA, 2026 | 47.8 | |
| Travelers | J J Bodner Insurance Agency Of Boston Inc | 8 Clarendon Street, Boston, MA, 2116 | 49.7 | |
| Travelers | Guard Insurance Agency | 279 Mount Auburn St, Watertown, MA, 2472 | 44.3 | |
| Allstate | Linda Brady | 413 Mount Auburn St, Watertown, MA, 2472 | 44.6 | |
| Travelers | Fitzgerald & Quill Insurance | 110 High Street, Clinton, MA, 1510 | 19.4 | |
| Travelers | Fred C Church Inc | 41 Wellman St, Lowell, MA, 1851 | 34.0 | |
| Travelers | Central Square Insurance Agency Inc | 875 Massachusetts Ave, Cambridge, MA, 2139 | 47.5 | |
| Travelers | Schortmann Insurance Agency Inc | 601 High St Suite 100, Dedham, MA, 2026 | 47.7 | |
| Travelers | Fitzgerald & Quill Insurance | 110 High Street , Clinton, MA, 1510 | 19.4 | |
| Travelers | Kw Insurance Agency Llc | 1361 Cambridge St, Cambridge, MA, 2139 | 47.7 |
| 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 | $1,990 | $1,050 |
| Worcester County, MA | $260,800 | $1,024 | $730 | $1,420 | $690 |
| Gardner, MA | $175,200 | $753 | $550 | $1,040 | $490 |
| Shelburne, MA | $257,700 | $1,093 | $730 | $1,500 | $770 |
| Bedford, MA | $605,900 | $1,024 | $710 | $1,420 | $710 |
| Burlington, MA | $465,900 | $1,105 | $740 | $1,540 | $800 |
| Springfield, MA | $148,600 | $816 | $550 | $1,150 | $600 |
| Medfield, MA | $633,500 | $1,038 | $710 | $1,430 | $720 |
| North Andover, MA | $457,800 | $1,075 | $780 | $1,520 | $740 |
| Somerville, MA | $558,300 | $1,567 | $1,050 | $2,210 | $1,160 |