Home Insurance Mass – Whether you’re buying a home in Massachusetts with cash or buying a home with a mortgage, you need insurance. Many lenders won’t let you move into your new home unless you first show you have insurance. Good insurance protects you from damage caused by storms and natural disasters and reduces the amount of money you have to pay for necessary repairs.
A look at how Massachusetts home insurance companies calculate insurance rates will give you a good idea of why you pay what you do or how much you pay when you buy a property.
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Although you might think that your insurer will set your rate based on the age of your home and its total value, there are other factors that go into calculating your policy. Insurers often look at the size of the home and the cost of remodeling. For example, if you have a 1,000-square-foot home and it costs $200 per square foot to fix it, you’ll need to multiply these two numbers. This indicates that you need at least $200,000 in property coverage.
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Insurers always check your physical condition before making an offer. Your location helps determine your risk for future applications. For example, the distance between your home and the nearest fire station or water hydrant can affect the premium paid for your insurance policy.
Although Massachusetts has some beautiful old homes, they can be more expensive to insure because they are prone to repairs. An older home with galvanized or cast iron pipes can suffer water damage if the pipes freeze and break in the winter. Older homes often lack some of the modern features that newer homes have, such as security systems and fire prevention devices. Some historic homes have knob-and-tube wiring, which is a fire hazard. There are insurers who even refuse to cover houses with this type of wiring.
Another factor that determines your insurance rate is your deductible. Your deductible is a separate amount that you pay only when you file an insurance claim. Amounts will vary, but in general, a higher deductible will lower your premiums. Having a higher deductible is fine as long as you have emergency cash available to cover that first deductible in the event of an insurance claim.
Now that you know some of the variables insurers use to calculate the homeowner’s insurance policy you need, you can find the right price to meet your personal home insurance needs. Getting a Massachusetts home insurance quote is easy when you work with MAPFRE. Check out some of MAPFRE’s home insurance products and discuss your home insurance needs with an authorized agent when requesting a quote.
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Please note: This content is not intended to describe specific coverage provided by MAPFRE Insurance. No coverage is provided, limited or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of a conflict between this provision and your policy. For information about your policy, please review your individual policy agreement and speak with your insurance agent.
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How Is Home Insurance Calculated In Massachusetts?
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From 1960 to 1966, when he moved to Falmouth, he worked in the Boston claims office of the old Boston Colony Insurance Company.
After 14 years at a local agency, Art opened his own agency in 1980. In 1988 he purchased Everitt W. Noyes Insurance Agency in North Falmouth. In 1990 he purchased Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office.
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Today, the agency’s Falmouth office serves the insurance needs of more than 500 businesses and more than 4,000 individuals throughout Massachusetts and beyond.
Arthur was named “Outstanding Citizen of the Year” by the Falmouth Chamber of Commerce for his years of dedicated service, leadership, and accomplishments that have made Falmouth and Cape Cod a very special place to live, an honor that came with a House Citation. State Senate and House of Representatives. Arthur has also received similar community awards such as the Falmouth Heritage Award. Arthur has held various positions in the past such as Chair of the Falmouth Beautification Council and Chair of the Plan Review Committee for the City of Falmouth.
Cape & Plymouth Business was proud to honor Davidson O. Calfee as one of the region’s top young and dynamic business leaders with a “40 Under 40 Award” on June 16, 2010!
Born and raised on Cape Cod, Davidson studied Eagle Scout platinum customer service techniques and earned a bachelor’s degree in hotel and restaurant management. Shortly after they asked him to direct the graduating class of 2002 at the Conrad N. College of Hotel and Restaurant Management. Hilton at the University of Houston, TX. Davidson quickly learned about home and flood insurance during Tropical Storm Allison in 2001 in Houston, when the entire city of Houston, Texas was under water.
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Davidson was studying more about the insurance industry when Hurricane Katrina destroyed his home and property on the Mississippi Gulf Coast in September 2005 with high winds, storm surges and tidal waves.
Learning from her past experiences with natural disasters and hurricanes, Davidson developed a natural passion for helping the residents of her hometown of Cape Cod, Massachusetts, understand them.