Chelsea Homeowners Insurance

Find the right homeowners insurance policy for you.


It's not hard to fall in love with Chelsea, MA. Settled in 1624, this small historic town offers everything from a vibrant creative community to entrepreneurial ventures to a strong community involvement. The 37,670 residents are proud to call Chelsea home and should do everything in their power to ensure their residences are protected from unwelcome risks that living in a coastal town presents. 

That's where our Independent Insurance Agents can help. Our local, experienced agents want to keep your most prized possession safe. Whether your home sees a devastating hurricane or encounters an unwelcome break-in, your Chelsea home insurance policy should effectively cover and compensate you. Let us tell you more about the kind of risks you face as a homeowner.

  • National yearly premium average: $1,304
  • Massachusetts yearly premium average: $1,150
  • 11th most expensive premium in the U.S.

Massachusetts homeowners should expect to pay a bit more when it comes to protecting their home, but do you know when you're overpaying? Your homeowners insurance should be personalized and take into account your home's location, building materials, and claims history — not just be based on a standard rate. To discuss what your current Chelsea homeowners policy covers and how you can receive new coverage at an affordable price, talk to an agent today.

Second Home and Vacation Home Insurance in Massachusetts

Chelsea is an incredible place to purchase a second home or spend valuable vacation days with family. Its location across the Mystic River near Boston gives the peace and quiet of a small town with the potential for big-city entertainment. But did you know you need the same protection for these secondary properties as for your main home? They may be more difficult to ensure and need extra protection since you're not inhabiting the home nearly as often, but our local agents can find you the best coverage on the market.

Number of Thefts in Massachusetts

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

The Bay State is home to a surprisingly high number of unwelcome home break-ins, but your comprehensive Chelsea homeowners insurance should compensate you in a timely manner if something devastating happens. While security systems and leaving porch lights on can help prevent a burglary, proper coverage is the only way to ensure you're protected. Let an insurance agent talk to you about what the right homeowners policy should cover when it comes to damaged property and stolen items.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Number of Catastrophes in Massachusetts

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

Mother Nature can be unrelenting at times, causing unexpected storms that cause incredible devastation. Are you covered in the event of a tornado or hurricane? Because of Chelsea's relationship with the Atlantic Ocean and northern exposure to cold weather, catastrophes should be a primary concern when it comes to safeguarding your home. When something big hits, know you're insured with 360 degrees of protection and an agent by your side.

What Are the Risks in Chelsea?

Did you know that 31 hurricanes have hit the Chelsea area since 1930? Hurricanes bring strong winds, high pressure and potential flooding — making them the biggest risk for homeowners. Other potential damaging natural weather includes winter storms, which bring feet of snow, hail and frozen pipes. But don't let the facts scare you; when you know the risks, you can prepare your home for the worst.

Compare Chelsea Home Insurance Quotes

Our Independent Insurance Agents know the ins and outs of homeownership. Our experienced agents will talk to you about your current plan, asses your risks and find you a number of quotes to choose from. Our agents aren't tied down to one carrier, so they can work with a number of companies to find you the most personalized coverage that fits your budgetary needs. 

Contact an agent today to find the right Chelsea homeowners insurance policy.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn