Agawam Homeowners Insurance

Agawam, Massachusetts, is home to more than 28,000 people. If you own a house in this Springfield suburb, there are a few potential risks that can lead to property loss or damage. A good homeowners insurance policy can cover against these hazards.

Local independent agents are available to help you find the best and most affordable coverage. Contact an insurance agent near you to start comparing customized quotes.

How Much Does Homeowners Insurance Cost in Agawam, MA?

On average, home insurance rates in the state of Massachusetts are higher than they are nationally. Shopping around for the best price has the potential to save you a lot of money every year.

• National average yearly premium: $1,211
• Massachusetts average yearly premium: $1,488

Your actual home insurance cost is likely to differ from the average price listed above. This is because rates are calculated according to several factors such as the following.

• The size of your home in square feet
• The year your home was built and the materials used in its construction
• The type of home you are insuring (e.g., single-family detached, multi-family, mobile home, tiny home, rental property, etc.)
• The crime rate and weather risks where your house is located
• Your claims history and credit score
• The size of your deductible
• Whether you are bundling your homeowners coverage with another policy like car insurance or boat insurance

Reviewing a variety of rates lets you choose the homeowners insurance policy that offers the coverage you want at the lowest available price. 

What Are the Risks Faced by Homeowners in Agawam?

Your home insurance policy is designed to cover against most of the damaging risks you are likely to face as a homeowner in Agawam. This includes coverage against the following hazards.

• Accidental fires
• Property crimes
• Hurricanes and tropical storms
• Windstorms
• Thunderstorms
• Hailstorms
• Heavy snows
• Ice accumulation
• Prolonged freezing temperatures

Your policy will include coverage for the structure of your home (this is called dwelling coverage) and for your personal property (this is called contents coverage).

You will want to be sure that your coverage limits in each category are high enough to let you fully rebuild and replace your property if your home is destroyed in a major disaster like a fire.

What about Coverage against Floods in Agawam?

Home insurance policies cover against a lot of risks, but they do not cover flood damage. According to FloodFactor, floods cause about $6 million in damage in Agawam a year, and more than 1,700 properties in this town are at risk.

That is why many residents in Agawam choose to supplement their home coverage with flood insurance. Affordable policies are available through the National Flood Insurance Program (NFIP) and can provide you with up to $250,000 in structural coverage and $100,000 in contents coverage.

NFIP-provided flood insurance policies take 30 days to go into effect, so do not wait until flooding is imminent to purchase your coverage.

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Why Is Liability Insurance Important for Agawam Homeowners?

In addition to covering your home and property, homeowners insurance also gives you personal liability protection.

Your homeowners liability insurance can cover expenses such as court costs, legal fees, settlements, judgments, and damages if you or someone in your household unintentionally causes another person to experience an injury, property damage, or financial losses.

Here are examples of times your homeowners liability insurance can provide coverage.

• If a visitor is severely injured in an accident on your property
• If your dog gets loose and bites someone
• If your child accidentally hits a baseball through the windshield of a car while playing with friends
• If you are accused of libel or slander
• If a dead tree in your yard falls onto your neighbor’s property

If you have a lot to lose, you may want to have even more liability coverage than your home insurance can provide. In this case, you can significantly boost your coverage with an affordable umbrella insurance policy.

Does Agawam Homeowners Insurance Cover against Burglaries?

The burglary rate in Massachusetts is lower than the national rate. However, in Agawam, the risk is higher. Residents of this small city reported 133 burglaries in 2019.

• Number of burglaries per 1,000 homes in the US: 3.76
• Number of burglaries per 1,000 homes in Massachusetts: 2.01
• Number of burglaries per 1,000 homes in Agawam: 4.63

There are things you can do to lower your risk of being targeted by burglars. These include making sure that all entryways to your home are locked and secure, leaving lights on timers when you are away from home, and getting a guard dog.

Among the most effective theft deterrents is a home security system. That is why many insurance companies offer policy discounts to homeowners who have burglar alarms installed in their homes.

It can be very stressful to be the victim of a burglary. If it happens to you, it may help to know that your homeowners insurance can reimburse you for your property losses as well as for any damage done to your home. You will need to have a copy of a police report when you file your claim.

Why Work with a Local Independent Insurance?

Independent insurance agents make it easy to find the best homeowners policy to cover your Agawam home. Because they are free to with several different insurance companies, these agents can save you time and money by comparison shopping on your behalf.  

If you want to be certain that you are getting the coverage you need at a great price, set up an obligation-free consultation with an insurance agent near you. You can start comparing customized quotes right away.