Rockland Homeowners Insurance

Finding the best policy is easy when you work with a local independent insurance agent.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


More than 17,000 people live in the town of Rockland, MA. If you own a house in this historic Boston suburb, you can benefit from having the protections of a solid homeowners insurance policy.

Local independent agents can help you find the right coverage for your Rockland home. These agents are free to work with several competing insurance providers to help you find the best and most affordable policy. Find an insurance agent near you to get started.

How Much Does Homeowners Insurance Cost in Rockland, MA?

Average homeowners insurance rates in Massachusetts are higher than the national median.

  • National average yearly premium: $1,211
  • Massachusetts average yearly premium: $1,488

Your actual costs will be calculated according to the following number of factors.

  • The size, age, and value, of your house
  • The type of house you are covering (e.g., single-family detached, condo, townhouse, manufactured home, rental property, vacation home, etc.)
  • How many stories your house has, and whether it includes a basement
  • The crime rate and weather risks where your house is located
  • Your claims history and credit score
  • The size of your deductible

Typically, if you bundle your home insurance with other policies such as car insurance or boat insurance, you can qualify for discounted rates. When you take the time to compare quotes from competing providers, you can be certain that you are getting your policy at a reasonable price.

Rockland Homeowners Insurance Covers Your Property

Homeowners insurance is designed to cover the cost to rebuild, repair, or replace your property if it is damaged by a covered event.

Here are some of the damaging risks that could affect properties in Rockland.

  • Property crimes
  • Accidental fires
  • Harsh winter weather, including
    • Heavy snows
    • Ice accumulation
    • Prolonged freezing temperatures
  • Severe storms, including
    • Electrical storms
    • Windstorms
    • Microbursts
    • Hailstorms

Fortunately, each of these hazards is covered by most home insurance policies. In fact, in 2019 alone, insurance companies paid out more than $8 million in insurance claims to Massachusetts’s homeowners.

You will want to be sure that your coverage limits for structural (dwelling insurance) and personal property (contents insurance) are high enough to allow you to fully rebuild, repair, or replace damaged property if your home is severely damaged by a covered event.

What about Coverage against Floods in Rockland, MA?

Homeowners insurance does not cover flood damage. Unfortunately, many people do not discover this until it is too late.

If your house is in a FEMA-designated flood zone, your mortgage company will require you to carry flood insurance until your loan is paid in full. Otherwise, this insurance is optional.

Even those in low-risk areas bear some risk. FEMA reports that 20% of all flood insurance claims are for homes outside of flood zones. They also warn that just one inch of rainwater in your home can result in up to $25,000 in damage. A flood insurance policy may therefore be a good investment.

Affordable flood insurance policies are available through the National Flood Insurance Program (NFIP). These policies take 30 days to go into effect.


Save on Home Insurance

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

What Is Loss of Use Insurance?

If a covered disaster like a hurricane or structure fire renders your home uninhabitable, loss of use insurance can help. This coverage is included as a standard part of every homeowners insurance policy.

Loss of use insurance is designed to pay for your temporary living accommodations while your house is being repaired or rebuilt following damages caused by a covered event. This coverage can continue until your house is brought back to code and you can go home.

Why Do Homeowners in Rockland Need Liability Insurance?

Anyone can make a mistake. Accidents and errors in judgement can sometimes lead to very expensive lawsuits. The good news is that your homeowners insurance provides you with a significant amount of personal liability coverage.

Homeowners liability insurance is designed to absorb expenses like court costs, legal defense fees, mediation costs, settlements, judgements, and other related expenses if you or someone in your household is unintentionally responsible for injuries, financial losses, or property damage to others.

The following are some examples of situations in which your homeowners liability insurance can come in handy. 

  • A visitor slips on an icy walkway while approaching your house and is severely injured.
  • Your dog gets loose and bites a neighbor.
  • You accidentally hit someone with a disc while playing a friendly game at South Shore Disc Golf.
  • Someone accuses you of libel or slander.

Most homeowners insurance policies offer up to $300,000 in personal liability coverage. If you would like to have more liability coverage than your home insurance company can provide, you can supplement your coverage with an affordable umbrella insurance policy.

What Is the Burglary Risk in Rockland, MA?

Burglaries can cause a lot of stress and anxiety. In addition to your loss of property, there is the unease associated with having had your privacy invaded. Fortunately, if you are the victim of a property crime, your homeowners insurance can compensate you for your losses.

  • Number of burglaries per 1,000 homes in the US: 3.76
  • Number of burglaries per 1,000 homes in Massachusetts: 2.01
  • Number of burglaries per 1,000 homes in Rockland: 0.90

In 2019, there were only 19 burglaries reported in Rockland, which accounts for the low current burglary rate shown above. However, in 2018, there were 101 reported burglaries in this town, so it is important to be cautious.

You can lower your risk of becoming the victim of a burglary by taking precautions such as ensuring that all your doors and windows are secure and locked and putting lights on timers when you are away.

Home security systems are among the most effective theft-deterrents, particularly if they are set up to make automatic calls to authorities if an alarm is triggered. Many insurance companies offer discounts to policyholders who have alarm systems installed in their homes.

Why Work with an Independent Insurance Agent?

Independent agents in the Rockland area are available to answer all of your coverage-related questions. These agents can also obtain a variety of customized homeowners insurance quotes on your behalf so that you can be certain that you are getting your policy at a competitive price.

Contact an insurance agent with an office near you to learn more. You will soon discover how easy it can be to find the best homeowners insurance.

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