Gavop's guide to buying homeowners insurance in Suffolk County, 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 | $119,000 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $247,500 | $220,000 | $250,000-$300,000 |
| 3 Bedroom | $423,000 | $380,000 | $400,000-$500,000 |
| 4 Bedroom | $639,500 | $520,000 | $500,000-$600,000 |
| 5 Bedroom | $585,000 | $550,000 | $600,000-$700,000 |
| Employment Status | Credit Score | Income Level | Other Details | Monthly Home Insurance Rate |
|---|---|---|---|---|
| Part Time Job | 650-699 Credit Score | $25 to 50,000 | 1 Pet, Non-Smoker | $1,440 |
| Unemployed | 500-549 Credit Score | <$25,000 | 3 Pets, Smoker | $260 |
| Retired | Up to 499 Credit Score | No Income | More than 3 Pets at home, Smoker | $250 |
| 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 |
| Massachusetts | $300 | $930 | $1,230 | $800 | $1,100 | $130 |
| Suffolk County, MA | $1,500 | $1,010 | $1,510 | $850 | $2,350 | $-840 |
| Suffolk County, MA | $2,500 | $1,230 | $1,730 | $1,020 | $3,520 | $-1,790 |
| Braintree Town, MA | $100 | $1,370 | $1,470 | $1,090 | $1,190 | $280 |
| Lincoln, MA | $2,500 | $1,640 | $2,140 | $1,360 | $3,860 | $-1,720 |
| Taunton, MA | $400 | $1,080 | $1,480 | $900 | $1,300 | $180 |
| Lancaster, MA | $2,500 | $1,250 | $1,750 | $1,100 | $3,600 | $-1,850 |
| Dighton, MA | $200 | $1,150 | $1,350 | $960 | $1,160 | $190 |
| Boylston, MA | $1,000 | $1,290 | $1,790 | $1,140 | $2,140 | $-350 |
| Pepperell, MA | $500 | $1,130 | $1,630 | $990 | $1,490 | $140 |
| Wareham Center, MA | $700 | $1,000 | $1,500 | $810 | $1,510 | $-10 |
| Johnston, RI | $300 | $900 | $1,200 | $730 | $1,030 | $170 |
| East Merrimack, NH | $2,000 | $870 | $1,370 | $740 | $2,740 | $-1,370 |
| Home Insurance Company Suffolk County, MA | Homeowners Insurance Agency Suffolk County, MA | Address | Popularity Score | Distance from Suffolk County (miles) |
|---|---|---|---|---|
| Travelers | Ralph J Galante Insurance Agency Inc | 1939 Massachusetts Avenue, Cambridge, MA, 2140 | 6.5 | |
| Travelers | Ralph J Galante Insurance Agency Inc | 1939 Massachusetts Ave., Cambridge, MA, 2140 | 6.5 | |
| Travelers | Lopriore Insurance Agency | 426 Main St Ste 2, Stoneham, MA, 2180 | 10.9 | |
| Travelers | Michals Insurance Agency Inc | 85 Main St Ste 101, Watertown, MA, 2472 | 8.8 | |
| Travelers | Stanton Insurance Agency Inc | 230 2nd Ave Suite 105 , Waltham, MA, 2451 | 13.1 | |
| Allstate | Carlos Cubia | 345 Boylston St Ste 301, Newton, MA, 2459 | 8.3 | |
| Liberty Mutual Independent | William L Goodrich Insurance Agency Inc | 424 Adams St Ste 102, Milton, MA, 2186 | 5.1 | |
| Liberty Mutual Independent | The Bostonian Group Insurance Agency Inc | 500 Boylston St, Boston, MA, 2116 | 3.1 | |
| Liberty Mutual Independent | Kaplansky Insurance Agency | 253 Washington St, Weymouth, MA, 2188 | 8.6 | |
| Travelers | Polito Insurance Agency | 231 Bussey St , Dedham, MA, 2026 | 9.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $335,500 | $1,240 | $890 | $1,710 | $820 |
| Suffolk County, MA | $362,600 | $1,670 | $1,150 | $2,300 | $1,150 |
| Suffolk County, MA | $362,600 | $1,160 | $840 | $1,600 | $760 |
| Braintree Town, MA | $369,900 | $1,220 | $880 | $1,720 | $840 |
| Lincoln, MA | $837,200 | $2,010 | $1,350 | $2,750 | $1,400 |
| Taunton, MA | $260,000 | $1,200 | $860 | $1,660 | $800 |
| Lancaster, MA | $311,700 | $1,500 | $1,100 | $2,120 | $1,020 |
| Dighton, MA | $321,700 | $1,450 | $1,060 | $2,000 | $940 |
| Boylston, MA | $373,800 | $1,680 | $1,190 | $2,300 | $1,110 |
| Pepperell, MA | $327,300 | $1,010 | $680 | $1,390 | $710 |
| Wareham Center, MA | $255,000 | $1,150 | $830 | $1,630 | $800 |
| Johnston, RI | $237,400 | $1,380 | $920 | $1,900 | $980 |
| East Merrimack, NH | $204,100 | $840 | $670 | $1,040 | $370 |