Longmeadow Homeowners Insurance

Your Complete Guide to Longmeadow, MA Homeowners Insurance

Find the right homeowners insurance policy for you.

Longmeadow, MA is home to more than 15,000 people. If you own a house in this historic Massachusetts city, you will want to be sure to protect your investment with a reliable home insurance policy. When you are shopping for Longmeadow home insurance, ask a local independent insurance agent for help. 

Cost of Homeowners Insurance in Longmeadow, MA

Massachusetts is the 10th most expensive state for home insurance in the US. The average cost of homeowners coverage in the state is higher than the national average. But in Longmeadow, many homeowners may pay a lot less than in other areas of the state. 

  • National average yearly premium: $1,173
  • Massachusetts average yearly premium: $1,379
  • Longmeadow average yearly premium: $822

Your homeowners insurance premiums will likely vary from the average cost in your state. That’s because rates are determined according to your unique home and coverage needs. Insurance companies calculate individual home insurance rates based on the age, size, value, and building materials of your home, and the type of home you have. Insurance companies also evaluate the crime rate and weather hazards in your city or ZIP code.

The amount of coverage you need and the deductibles you choose also impact your Longmeadow home insurance rates. Fortunately, many policyholders qualify for discounts if they bundle multiple insurance policies with the same insurance company. Consider bundling your car insurance or life insurance with your home insurance in order to get the best rates. 

Burglary Rate in Longmeadow, MA

Longmeadow is a very safe city, with a burglary rate that is significantly lower than the national average. 

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Massachusetts: 2.82
  • Number of burglaries per 1,000 homes in Longmeadow: 0.82

No matter where you live, you can’t take your home’s safety for granted. It’s important to take precautions to safeguard your home from burglaries, break-ins, and vandalism. And if you experience a burglary in your home, a reliable homeowners insurance policy can help you get back on your feet quickly. Home insurance helps you pay for damage to your home, as well as repairing or replacing stolen or damaged possessions. 

Catastrophic Events in Massachusetts

  • Number of declared disasters in Massachusetts: 46
  • Most common reasons for disasters in the state: Severe Storms and Hurricanes
  • Average number of tornadoes per year in Massachusetts: 1.4
  • Average amount of property damage per year in Massachusetts: $808,147,000
  • 1 in 15 insured homes has a claim each year

Longmeadow is not immune to natural disasters. The most common causes of disasters in the area are severe storms and tornadoes. The area also experiences heavy snow and rain that can easily cause damage to a home. The property coverage included in your home insurance includes coverage for both the structure of your home and its contents (your personal possessions). It is important that you purchase a policy with adequate coverage for both, so you can rebuild your home and replace your belongings should the worst happen. 

Liability Insurance for Longmeadow Homeowners

Homeowners insurance provides policyholders with liability insurance. It is designed to cover you for claims of negligence and lawsuits that you may face as a property owner. If your dog bites a neighbor, or a guest trips inside your home and is injured, you will likely be expected to pay for medical bills or other expenses related to the incident. What’s more, these types of incidents often lead to lawsuits. 

Your liability insurance pays for the injured party’s medical expenses, as well as court costs, attorney fees, and any settlements or judgments levied against you. If you have liability risks beyond what your home insurance policy can cover, talk to an independent agent about how an umbrella policy can supplement your other coverage, and offer extensive protection of your assets if you are sued. 

Second Home and Vacation Home Insurance

Houses that do not serve as primary residences have additional risk factors that may make a traditional homeowners insurance policy insufficient. Special policies like landlord insurance for rental properties and vacant home insurance for unoccupied or seasonal homes offer better protection. But because of the varied and increased risks of second homes, this coverage may actually cost more than the coverage for your primary residence. If you are a Longmeadow resident who owns a second home or a vacation home, a local independent agent can help you find the customized coverage you need. 

Why Work with an Independent Insurance Agent?

Independent insurance agents are available to help you with your personal insurance needs. A local agent can answer questions about coverage, get competitive quotes, and help you make an educated choice for the policy that meets your needs and budget. 

Contact an agent in Longmeadow to learn more. 

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

©2020, Consumer Agent Portal, LLC. All rights reserved.

http://www.naic.org/prod_serv/AUT-PB-14.pdf
https://www.census.gov
http://www.city-data.com