Chicopee Homeowners Insurance
(Find the right homeowners insurance policy for you.)
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
For the quiet life at the crossroads of New England, Chicopee, MA is hard to beat. With day trips for hiking in the Berkshires or shopping in Boston both close at hand, you don’t have to give up much to live here. Homes are reasonably priced, especially compared to the coast, and more and more people are arriving every day to take advantage of the good life. Owning a home in Chicopee means insuring a home. While the choices you have to make aren’t too daunting, a few simple things can make a big difference in the cost of your Chicopee home insurance.
Understanding the choices you have to make is a lot simpler when you talk to an Independent Insurance Agent. Because agents are based right here, they know the best carriers handling Chicopee and can shop around for multiple quotes – so you can compare and rest easy knowing you have the most affordable insurance for your home. Insuring a home is a bit more expensive than average in Massachusetts, as shown in these statistics from recent years:
- Nationally, homeowners spent $1,034 per year on insurance.
- In Massachusetts, the average was $1,150.
- The state was 11th overall in cost.
Every policy is as unique as your home, so your cost depends on a number of factors. A larger home is more expensive to insure simply because replacing it costs more. The condition of your home is also important as are many other factors. There are also many things you can do to keep your liability and insurance costs low.
Second Home and Vacation Home Insurance
A second home in the Berkshires is a great getaway from the city, but you still have to insure it. Usually, they should be insured to the same level as a primary residence, but owners often elect to keep their costs down by cutting back on insurance. The most common way is to not insure the contents of the home, thereby leaving the cost of repairing or replacing lost items to the homeowner. The biggest concern for second homes is that no one is around all the time to keep an eye on them. Your insurance will be much lower on a home occupied only part of the year if you have a security system in place and a trusted neighbor or security guard in the community.
Number of Thefts in Massachusetts
Massachusetts has a low rate of home burglaries. The average state reported 37,814 burglaries in recent years, there were only 30,735 in Massachusetts. Homeowners insurance covers damage to your house due to a burglar breaking into the home. You can opt for additional coverage to protect your belongings, too. That can be covered at either current value or at replacement value, based on your needs.
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Number of Catastrophes in Massachusetts
The weather is quite mild in Massachusetts, especially this close to the mountains. With only a few storms, widespread damage from a catastrophe is very rare:
- Recently, only 140 recorded catastrophes were reported in Massachusetts.
- Only 2 tornadoes were reported the same year.
- About 1 in 15 insured homes have a claim every year.
When a storm does hit, the cleanup is a long and tiring process. Along with coverage and cost, one of the most important aspects of your insurance is its ability to pay out quickly after the storm so that you can get back on your feet again. Because our Independent Agents live here in Chicopee, when disaster strikes they will know which companies you can trust to help you get back on your feet and enjoying the good life again.
What Are the Risks in Chicopee?
Beyond storms and theft, there are many risks to owning a home that you may not be aware of. If your home has a trampoline, it could be regarded as an “attractive nuisance,” which could injure someone, whether you invited them onto your property or not. There are many things you can do to keep the cost of homeowners insurance low such as installing a fence, however. One other thing that you need to be sure of is protecting your home against flooding from a thunderstorm. This is not usually covered by a standard homeowners policy and has to be purchased separately.
Compare Chicopee Home Insurance Quotes
For all the choices you have to make to find the homeowners insurance that fits your lifestyle and your budget, the best place to start is with your Independent Agent. Your agent will obtain multiple quotes from reliable companies that insure homes in Chicopee so that you can compare and find the best homeowners insurance for yourself.