Brookline Homeowners Insurance

What Your Brookline, MA Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Brookline is a town in Massachusetts’ Norfolk County. It is located within the Greater Boston area, so it affords residents all the benefits of urban living with more of a small-town feel. Brookline, MA is broken up into several smaller and distinct neighborhoods, and the approximately 58,000 people who live here enjoy a low crime rate, an expansive park system and a number of cultural events, such as the free outdoor summer concert series. This town also includes several institutions of higher learning, which adds to its cultural opportunities. 

If you are among the many proud homeowners in this forward-thinking town, you will want to be sure to protect your investment with a suitable Brookline home insurance policy. An independent insurance agent can help you find an ideal home insurance policy at an affordable price. These agents are free to work with a number of reputable insurance providers to gather a selection of Brookline homeowners insurance quotes for policies that have been customized to meet your coverage needs. Find an agent in or near Brookline, MA 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.

Overall, Massachusetts residents pay home insurance rates that exceed the national average. This is due largely to higher property values in this state. You can refer to the figures above to get a general idea of what your rates might be, but your actual Brookline homeowners insurance quotes are based on a number of different considerations, including but not limited to factors such as the following:

  • The location, age and value of your house as well as the building materials used in its construction
  • The type of house you are insuring (e.g., single-family detached home, townhouse, condominium, manufactured home, etc.)
  • The use of the property you are insuring: primary residence, vacation home or second home
  • The amount of contents coverage you wish to buy
  • The amount of your deductible

Our agents can help you obtain and compare Brookline homeowners insurance quotes from a variety of reputable insurance companies. That way, you can select the policy that offers the best value for your money.

Second Home and Vacation Home Insurance

If you are among the Brookline residents who own a second home or a vacation home, you need to purchase homeowners insurance policies for your additional property as well. Houses that do not serve as primary residences typically have different coverage considerations, as will condos and beach houses.

Vacation homes that are located in areas with very high severe-weather risks or that are left empty and unattended for long stretches of time throughout the year have higher property damage risks that can increase their coverage costs. Second homes that are used as rental properties, such as to house some of the area’s many college students, have higher liability risks and need to be covered by a landlord insurance policy. Your agent can review the coverage needs of your extra properties with you and can make appropriate policy recommendations.

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, and it is even lower in Brookline. Recently, for example, residents of this town reported just 92 burglaries, which equates to about 1.55 burglaries for every 1,000 households — about one-quarter of the national rate. It can be very stressful to discover that you have been a victim of a property crime, such as burglary, but knowing that your Brookline home insurance policy compensates you for your losses may offer you some comfort. Talk to your agent to learn how installing a burglar alarm system may earn you a discount on your homeowners insurance.

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

While your risk of experiencing a tornado in this town is very low, your Brookline homeowners insurance policy provides you with coverage against many of the hazards you are likely to face. These typically include loss or damage caused by catastrophes, such as accidental fires, hurricanes and tropical storms. Some policies may require you to specifically request coverage against major hazards, like hurricanes, so it is important that you review each potential home policy carefully with your agent before making a selection. It is equally important that you ensure that your policy includes a sufficient amount of property coverage.

What Are the Risks in Brookline, MA?

Residents of Brookline are most likely to experience property loss and damage to their homes caused by hurricanes, tropical storms, and floods. Hurricanes that form over the Atlantic Ocean can make landfall along the Eastern Seaboard. Even if they have weakened into less intensive storms by the time they hit Brookline, these weather events can damage roofs, siding, fences, sheds, and other personal property. Your local agent can help you ensure that the policy you choose includes coverage against hazards, such as these, that pose a threat in this area.

Furthermore, the heavy rains, as well as spring thaws, that these storms bring frequently also lead to flash flooding in the Boston area, including the town of Brookline. However, home insurance policies do not cover flood damage. Your agent can help you supplement your Brookline home insurance policy with flood insurance through the National Flood Insurance Program (NFIP) so that you have coverage against this potentially very damaging hazard.

Compare Brookline Home Insurance Quotes

When it comes to purchasing coverage for your house in Brookline, you have several insurance providers from which you can choose. Comparison shopping enables you to find a suitable policy at the most affordable rate, but it can be a time-consuming and sometimes confusing chore. This is why so many Massachusetts residents find it beneficial to work with an agent. These agents can recommend appropriate coverage limits, detect and eliminate coverage gaps, and obtain customized quotes from a variety of competing insurance providers. That way, you can easily find the best policy to meet your coverage and budgetary needs. 

Find an agent with an office near you to learn more about Brookline homeowners insurance.

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