Lynn Homeowners Insurance

What Your Lynn, MA Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Located just 10 miles north of downtown Boston, you’ll find the beautiful city of Lynn, MA nestled along the Atlantic Ocean and Massachusetts Bay. Lynn is a growing city; it’s a wonderful place to live and work in, but it also comes with a few serious risks. Locals have nicknamed Lynn the “City of Sin” thanks to a high crime rate. With burglaries a looming threat along with unpredictable coastal weather, homeowners just can’t afford to skimp when it comes to Lynn home insurance.

Finding the best homeowners insurance is simple with help from our experienced Independent Insurance Agents. Our friendly agents offer one-on-one support. They can answer your questions, help you compare rates and coverage benefits, and match you with a plan that will protect your home from the biggest threats in Lynn.

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

Homeowners in Massachusetts can expect to pay a little more than the national average for homeowners insurance. However, rates can vary drastically depending on your home's location, its size and age, and its extra risk factors, like close proximity to the beach or flood zones. Our Independent Insurance Agents can help you save money on your home insurance by offering multiple rate quotes. You can compare premiums and choose a plan that works for your budget.

Lynn Second Home and Vacation Home Insurance

With easy access to downtown Boston and the beautiful scenery of the Massachusetts Bay, Lynn is a great place to invest in a second home. Over the years, the number of vacation homes in the area has been slowly growing, and this poses a unique challenge when it comes to home insurance. Finding the best coverage is especially important if you own a second home in Lynn because you might not be on the property at all times to monitor its condition. A small faucet leak can turn into a major flood before you ever realize there is a problem. Our Independent Insurance Agents can guide you toward the best coverage options that are designed to protect vacation homes or investment properties.

Number of Thefts in Massachusetts

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

You can lock your doors and install security systems. You might even live in a gated community. But ultimately, there is no guarantee that you won’t become the victim of a burglary. With Lynn’s worrisome crime rate, homeowners have to really stop and think about this threat. Homeowners insurance is a great step toward peace of mind. If you do get robbed in the middle of the night, you can rest easy knowing that your home insurance will pay to replace any stolen items and repair damage done to your house during the break-in. 

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

Massachusetts offers some of the most beautiful scenery in New England, but it comes with a high risk. Coastal storm systems are a constant worry for Massachusetts residents, and harsh winters only bring more risks. With 1 out of 15 homeowners filing a claim each year, it’s clear that home insurance is something you can’t skimp on if you want to protect your property in Massachusetts.

What Are the Risks in Lynn?

Lynn homeowners face several elevated risk factors. Crime is always a looming problem, and break-ins are particularly worrisome for those who own vacation homes in the Massachusetts Bay area. Lynn also has a high risk for hurricanes, with 30 recorded storms crossing through the city since 1930. Fire is another risk that you have to consider. In the early 1980s, Lynn saw several massive fires that destroyed dozens of downtown buildings and left property owners with losses totaling tens of millions of dollars.

Compare Lynn Home Insurance Quotes

It’s clear that homeowners insurance is important in Lynn, but how can you find an affordable policy? Our Independent Insurance Agents can point you toward the most affordable plans and provide quotes on multiple policies. Our friendly agents will help you compare quotes and find a policy that is right for your property and budget. Whether you’re shopping for home insurance for your downtown condo or you are looking for coverage for a vacation home near the beach, our Independent Insurance Agents can help. 

Contact an agent today for a free quote on Lynn homeowners insurance.

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