Dorchester Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

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.


A few miles south of Boston's city center lies Dorchester, MA: an international community thriving in one of the most historically significant areas on the East Coast. The neighborhood's residents take pride in calling Dorchester home, and the families that plant their roots here deserve to have the most comprehensive homeowners insurance available. Our Independent Insurance Agents are available to match your specific homeowner needs with the right insurance policy. Whether you've lived here for decades or recently moved in, let our agents find you the most comprehensive coverage that meets your financial needs.

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

While Massachusetts sees high premiums when compared with national rates, homeowners insurance doesn't have to be expensive. Your policy should be based on a multitude of personal factors, such as your home's age, location, risk factors, and building materials. Even your marital status, claims history and desired deductible play a role. Let an independent insurance agent assess your risks and find a Dorchester homeowners policy that gives you 360 degrees of protection at an affordable price.

Dorchester Second Home and Vacation Home Insurance

Whether you want a place away from the inner city or simply love to vacation in Dorchester's historic hub, a second or vacation home needs just as much protection as your primary residence. Because there's a high chance that the home will be vacant or you'll be renting it out to others, you need the proper insurance to safeguard you against the unexpected. Our agents can talk to you about an umbrella policy or added coverage specifically designed for your second or vacation home.

Number of Thefts in Massachusetts

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

Although Dorchester is located outside of the city, it still sees its fair share of crime. Burglaries and break-ins may be the last thing you think you need protection against, but it's a reality you need to think about. The right Dorchester homeowners insurance policy compensates you for damaged physical property and stolen personal property so you don't have to take a big financial hit. An agent will find comprehensive coverage so you don't have to worry.


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 insured homes has a claim each year

Weather is incredibly unpredictable and can wreak havoc on homes without warning. Considering that 6% of prepared homeowners file a claim due to catastrophic weather, you need proper coverage that you feel comfortable with. Whether your windows break, roof is destroyed or basement becomes flooded, let an agent advocate for you when it comes to insurance compensation.

What Are the Risks in Dorchester?

Because Dorchester is located in a high-risk hurricane region, it's hard to deny the importance of protecting against natural disasters. Simply being aware that bad weather is on its way doesn't prevent storm damage. Winter weather can even cause serious destruction when it comes to wind damage, hail storms or heavy snow.

Compare Dorchester Home Insurance Quotes

Our Independent Insurance Agents are homeowners themselves, meaning they intrinsically know the risks involved and the coverage needed to protect your own home. Talk to our friendly, local agents about your specific needs and your previous home insurance policies so we can set you up with something better. You'll receive a number of quotes and insurance companies to choose from since we aren't tied down to a single carrier. It's customized service at its best and gives you comprehensive coverage that fits your budgetary needs.

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