Of all the cities that make up Greater Boston, none has all the amenities of Braintree, MA. This city's residents still feel that they know everyone just as they have throughout its long history, even though it's a small town that only recently became a genuine city. A short hop into the city on the Red Line and a short hike over to the Blue Hills Reservation – what more could you ask for? If you own a home in Braintree, home insurance may not be the first thing on your mind. But it’s important to understand your policy to be sure you have the coverage you need at the best possible price.
An Independent Insurance Agent, who knows the area and the insurance companies that offer the best policies, is critical for many reasons. Once your agent understands the coverage you need, either for your primary home or for a vacation home, the agent will get you quotes from many different carriers to find the best price on insurance that fits your lifestyle.
Massachusetts home insurance rates are driven by high construction costs. That makes your policy just a bit more expensive than you might expect. Homeowners spent $1,034 per year on insurance recently in the U.S., but the average is $1,150 in Massachusetts, 11th overall. Every homeowners insurance policy is as unique as the home it is protecting. These are the things that determine the cost of your insurance:
- Location - Braintree has lower crime than other towns.
- Size - A bigger home costs more to replace.
- Home's Age - Older homes are more likely to have electrical fires or plumbing breaks.
- Type of Construction - Wooden homes are more likely to suffer damage in a catastrophe.
Your Independent Agent can find the company that fits best with your home and its condition along with any other factors that are unique to your situation.
Braintree Second Home and Vacation Home Insurance
Second homes are pretty rare around Braintree. And there are some who don’t live here year-round, opting for a winter home in a warmer climate. You may opt not to cover the contents of your second home as heavily as you would your primary residence. It can be more expensive to cover a second home because of the potential for theft when you are not around to protect it. Many people don’t have the same insurance on their vacation home and take on the risk themselves, keeping their insurance cost lower. A conversation with an Independent Agent will help you understand what you are taking on yourself so that you have the best insurance for your situation.
Number of Thefts in Massachusetts
Your homeowners insurance policy also covers loss from theft, such as break-ins. Overall, Massachusetts has a surprisingly low reported number of thefts compared with the national average:
- Across the U.S., the average state reported 37,814 burglaries.
- In Massachusetts, the number is only 30,735 per year.
Protection against theft is still important, and it’s one of the most important parts of Braintree home insurance. There are many things you can do to minimize the cost of this coverage, however, such as installing a home security system. In addition, the cost of insurance against theft is usually more affordable in a multifamily dwelling because there are more people around to keep an eye on things.
Number of Catastrophes in Massachusetts
The weather in the South Shore area is particularly mild, just as it is throughout the state:
- Recently, there were only 140 catastrophes reported in Massachusetts.
- Of these, two were tornadoes.
- About 1 in 15 insured homes have a claim every year.
Weather is not a big problem, but when a nor’easter strikes, you have a problem. While it's not something that happens all the time, when one hits, the damage is widespread. It is critical to have the right insurance at an affordable price so that you are prepared when the storm hits.
What Are the Risks in Braintree?
Like any other city, Braintree has unique considerations for homeowners insurance, and it varies from one home to the next. For example, a backyard trampoline is a potential “attractive nuisance” that has to be protected in case someone is injured in it and files a suit. Some areas of the city have higher crime than others, and it may be important to have protection against theft.
Compare Braintree Home Insurance Quotes
The most important thing to do is to review your needs with an Independent Insurance Agent. These agents take the time to get to know your property and your lifestyle to find the best homeowners insurance for your budget. Living in Braintree, agents know the area and the reliable insurance carriers. This can help them find a policy that is right for you.