Salem Homeowners Insurance

What Your Salem, MA Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for me.

Salem, MA is best known for the witch trials of 1692, but there’s so much more to this beautiful coastal city just north of Boston. In modern-day Salem, you’ll find a blend of historical sites and numerous restaurants, coffee shops, and boutiques. The Retailers Association of Massachusetts recognized Salem as the state’s best shopping district. Overall, this city is a beautiful place to live and work in. Just make sure you’re covered with a reliable home insurance plan.

Salem’s high risk for hurricanes and heavy winter snowfall make home insurance especially important. Our Independent Insurance Agents offer personal support to each resident searching for coverage for a home in Salem. Whether you’re looking for a homeowners insurance policy for your downtown condo or your single-family home, our friendly agents can help. 

Cost of Homeowners Insurance in Massachusetts

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

Home insurance rates are notoriously high in Massachusetts, but that doesn’t mean you have to pay too much for homeowners coverage. Each home is unique, and your premium varies depending on your home’s size, age, and location. Our Independent Insurance Agents can help you save on homeowners insurance by providing multiple rate quotes. This gives you the chance to compare prices and benefits and find a plan that feels comfortable for your budget.

Salem Second Home and Vacation Home Insurance

Each year, more than a million tourists visit Salem, making it a perfect place to invest in a second home or vacation property. Our Independent Insurance Agents are experts at finding the best home insurance coverage for second homes. Whether you own a remote cabin or a downtown studio, our friendly agents will help you find a policy that will best protect your investment. 

Number of Thefts in Massachusetts

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

With the high tourist traffic in Salem comes a greater risk for crime. There is a steady flow of traffic coming in and out of town, and far too often, local homes are robbed or vandalized. Vacation homes in Salem are especially at risk because they are often left unattended for several days or weeks at a time, leaving ample opportunity for vandals and thieves to break in. If you own a home in Massachusetts, make sure you choose a homeowners insurance plan that includes comprehensive coverage against theft and break-ins.

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 has some of the nation’s most unpredictable weather, with a high risk for hurricanes in the summer and heavy snow in the winter. High winds, lightning, hail, and tornadoes are all threats to local homes. When cold weather rolls around, you have to worry about heavy snowfall, roof damage, falling limbs, and burst pipes. The only way to really fully protect your home against catastrophes is with home insurance.

What Are the Risks in Salem?

As a coastal city, Salem is considered a high-risk hurricane zone. Hurricane Andrea crossed through Salem, doing major damage to local homes. Salem also has an elevated risk for home damage in the winter, with annual snowfall averaging 52 inches. As the snow melts in the spring, flash flooding is common. Throughout the year, homeowners benefit from the peace of mind that comes with having a reliable home insurance policy.

Compare Salem Home Insurance Quotes

Choosing a homeowners insurance policy in Salem starts with a call to our experienced Independent Insurance Agents. Our friendly agents will go over your options, provide multiple rate quotes and help you compare benefits to find a plan that is right for you. Saving money on home insurance begins by requesting a free rate quote. 

Contact an agent today to get your free quote and to learn more about how to save on Salem home insurance. 

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