Barnstable Homeowners Insurance

What Your Barnstable, MA Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

With a population of approximately 45,000 people, the Town of Barnstable is the largest community on Massachusetts’ Cape Cod. Residents of this town enjoy attractive residential areas, lovely seaside wharves, an abundance of dining and entertainment venues, and good public and private schools where they can send their children. In fact, the National Civic League awarded the Town of Barnstable, MA their All-America City Award. If you are one of the proud homeowners in this vibrant cape town, you will want to be sure to protect your investment with a suitable Barnstable home insurance policy.

Our independent insurance agents are available to help you find the best policy at a competitive price. These agents can work with a number of reputable insurance providers to gather a selection of customized Barnstable homeowners insurance quotes that you can compare together. Find an agent in or near Barnstable to learn more.

Cost of Homeowners Insurance in Massachusetts

  • National yearly premium average: $1,034
  • Massachusetts yearly premium average: $1,150
  • 11th most expensive premium in the U.S.

Massachusetts residents pay higher-than-average rates for their home insurance coverage, but that doesn’t mean you can’t find Barnstable homeowners insurance coverage at a reasonable price. Though the figures above can give you a general idea of what your rates might be, your actual costs are based on a number of different factors, including but not limited to the following:

  • The value of your home and the amount of coverage you wish to buy
  • The building materials used in the construction of your house
  • The ZIP code in which your house is located
  • The use of the home you are insuring: primary residence, vacation home or second home
  • The type of house you are insuring (e.g., detached single-family home, beach house, condominium, manufactured home, etc.)
  • The amount of your deductible
  • Your qualification for any available policy discounts

Our agents can help you obtain and compare Barnstable homeowners insurance quotes from a variety of reputable insurance companies. That way, you can choose the policy that is offered at the best price.

Second Home and Vacation Home Insurance

Some people in Barnstable own more than one home. If you own a second home or a vacation home, it too will need to be covered by homeowners insurance. Houses that are not primary residences typically have different coverage considerations to take into account, so you want to be sure to discuss these properties with your agent.

Also, be aware that if you rent out your extra homes, whether to long-term occupants or to vacationing visitors, you have additional liability risks. In this case, you need to be sure to cover the property with a landlord insurance policy. Your local agent can review the circumstances surrounding each of your home properties and can make appropriate coverage recommendations. They can also help you find an affordable policy designed to provide all the coverage you need.

Number of Thefts in Massachusetts

  • National number of burglaries: 37,814
  • Massachusetts number of burglaries: 30,735

The burglary rate in Massachusetts is lower than the national average; however, the crime rate in Barnstable is higher than in most of the state. In recent years, residents of this town reported 223 burglaries, which equates to about 5.01 burglaries for every 1,000 households, which is still lower than the national rate of 5.43 for that year.

You can take preventive steps to protect your property, such as making sure that your doors and windows are securely locked and that your entryways are well lit and unobstructed. If you install a burglar alarm system in your home, you may even qualify for a discount on your homeowners insurance. In the event that you are the victim of a property crime, your Barnstable homeowners insurance policy compensates you for your losses.

Number of Catastrophes in Massachusetts

  • Number of catastrophes in Massachusetts: 140
  • Number of tornadoes in Massachusetts: 2
  • 1 in 15 insured homes has a claim each year

Residents of Barnstable have a very low risk of tornado damage. However, other catastrophes, such as accidental fires and hurricanes, can lead to excessive damage to your home and the property you keep inside it. That is why it is imperative that the Barnstable home insurance policy you purchase includes a sufficient amount of property coverage, both for the structure and for the contents of your home.

Most home insurance policies have caps on how much coverage they will allow for certain categories of property such as jewelry or electronics. If you own property in excess of these limits, you can still get coverage by purchasing additional endorsements to meet your full coverage needs. Your agent can help you determine whether such endorsements are necessary as well as whether actual value or replacement cost coverage is a better option for you.

What Are the Risks in Barnstable, MA?

Residents of Barnstable should be sure that their home policies include coverage against hurricanes, tropical storms, and other severe storms. As many as 37 hurricanes have brought damaging winds and rains to this town since 1930. While storms, in general, are covered by home insurance policies, many insurers will require you to purchase special endorsements in order to be covered against hurricanes. Your local agent will be aware of your hurricane risk and can ensure that your policy provides the coverage you need.

These storms often lead to area flooding. Unfortunately, as many homeowners often discover too late, flood damage is not covered by home insurance policies. This can be devastating news for homeowners who suffer expensive losses and have no recourse for compensation. While FEMA may help with low-interest loans, these funds must still be paid back. Fortunately, you have the option of supplementing your Barnstable home insurance policy with flood insurance through the National Flood Insurance Program (NFIP). Your agent can help you secure an affordable flood insurance policy.

Compare Barnstable Home Insurance Quotes

When it comes to purchasing a home insurance policy for your house in Barnstable, you have several insurance providers from which you can choose. Comparison shopping allows you to find a great policy at a competitive rate, but many homeowners find it to be time-consuming and frustrating when they do it on their own. Savvy homeowners, on the other hand, turn to an agent for help. These agents can help by recommending appropriate coverage amounts, identifying and eliminating coverage gaps, and gathering quotes from a variety of insurance providers. That way, it is easy for you to find an affordable policy that meets all of your coverage needs. 

Find an agent with an office near you to learn more about finding the best Barnstable homeowners insurance policy.

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