There are nearly 19,000 people living in the seaside town of Scituate, MA. Whether you have purchased a house here as your primary residence or you own a vacation home along the coast, a good homeowners insurance policy can protect the investment you have made in your property.
When you are shopping for homeowners insurance, a local independent agent can help. These agents can provide you with trustworthy guidance and advice and can shop around to find you suitable coverage at a competitive price. Find an insurance agent near you to get started.
How Much Does Homeowners Insurance Cost in Scituate, MA?
Home insurance rates in the state of Massachusetts are higher than the national average. This makes shopping around for the best rate all the more beneficial.
- National average yearly premium: $1,211
- Massachusetts average yearly premium: $1,488
Your actual home insurance quotes are likely to differ a bit from the average rate listed above. This is because prices are calculated on a case-by-case basis. They are based on several factors such as the following.
- Your home’s value, age, and square footage.
- The type of house you are insuring (e.g., single family detached, mobile home, condo, townhouse, rental property, vacation home, etc.)
- The crime rate and weather risks where your home is located
- Your claims history and credit score
- The size of your deductible
- Whether you are bundling your home insurance with other policies like car insurance or boat insurance
When you review a variety of homeowners insurance quotes, you can be sure that the policy you are choosing is offered at a reasonable price.
What Damaging Events Are Covered by Scituate Homeowners Insurance?
Your homeowners insurance policy is designed to cover against most of the risks you are likely to face as a property owner in Scituate. Some of the hazards that may cause property damage in this town include: the following.
- Hurricanes and tropical storms
- High winds
- Heavy snows and blizzards
- Ice accumulation
- Property crimes like burglary and vandalism
- Accidental fires
Fortunately, each of these risks is covered by most standard homeowners insurance policies.
You will want to be sure that your coverage limits for the structure of your home (dwelling insurance) and your personal property (contents insurance) are high enough to enable you to fully rebuild your house and replace your property if your home is destroyed in a catastrophic event.
A Word about Flood Damage in Scituate, MA
Given this town’s proximity to the coast, is particularly important that Scituate homeowners are aware that flood damage is not covered by homeowners insurance. This is true even if the flood is caused by a covered hurricane.
According to FloodFactor.com, nearly 470 properties in this town are currently at risk for flood damage, and the risk is on the rise. Already, floods are causing Scituate residents an average of $955,900 a year in property damage.
Fortunately, you can supplement your homeowners coverage with flood insurance through the National Flood Insurance Program (NFIP). The NFIP can provide up to $250,000 in structural coverage and $100,000 in contents coverage in an affordable flood insurance policy.
Flood insurance takes 30 days to go into effect, so do not wait until a hurricane or tropical storm is on the way to purchase your coverage.
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What Is Loss of Use Coverage?
Loss of use insurance is a standard part of every homeowners insurance policy, It is designed to cover your temporary living expenses if your home is rendered uninhabitable due to damage caused by a covered event.
This coverage can pay for hotel or a temporary rental home. It can also provide you with a meal allowance if your accommodations do not include a kitchen. In some cases, it will even cover your additional mileage if you must drive further to get to and from work.
Coverage can continue until your home is brought back up to code and it is safe to return.
Why Is Liability Insurance Important for Scituate Homeowners?
In addition to covering your property, you homeowners insurance provides you with a significant amount of personal liability protection. This can be very beneficial if you or someone in your household accidentally causes injuries, property damage, financial losses, or other harm to others.
Homeowners liability insurance can pay your court costs, legal fees, mediation expenses, settlements, judgements, and other associated costs if you or someone in your household is sued for a covered event.
Here are some examples of times when where your insurance can help.
- A visitor is seriously injured in an accident on your property.
- Your child hits a baseball through your neighbor’s picture window while playing in your backyard.
- You accidentally strike someone with a golf ball while hitting the links at the Hatherly Country Club.
- Your dog gets out of your house and bites someone.
- You are accused of libel or slander.
Most home insurance policies offer up to $300,000 in personal liability coverage. If you want more protection than your home insurance can provide, umbrella insurance policy is an affordable way to boost all your liability coverage.
Does Scituate Homeowners Insurance Cover against Burglaries?
Few things are more stressful than having your privacy invaded and your belongings stolen in a burglary. Fortunately, your homeowners insurance can provide a bit a relief by covering your losses and property damage.
The good news is that the burglary rate in Massachusetts is lower than the national average, and in Scituate, it is even lower. There were only 7 burglaries reported in this town in 2019.
- 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 Scituate: 0.37
Property crimes have been steadily declining in this town over the last decade. In 2009, Scituate residents reported 66 burglaries. This declining crime rate can have a positive influence on your homeowners insurance rates.
Why Work with an Independent Insurance Agent?
Independent agents are free to work with several different insurance providers. This means they can shop around to help you find the coverage you need at the best available at a competitive price.
Set up an obligation-free consultation with an insurance agent near you to discover how easy it can be to find the best and most affordable car insurance policy.