Watertown Homeowners Insurance

Your Complete Guide to Watertown, MA, Homeowners Insurance

(Find the right homeowners insurance policy for you)

Watertown was one of the original English Puritan colony settlements nearly 400 years ago. Now the city is part of the large and diverse Greater Boston area. If you’re one of the 35,756 Watertown residents, you’ll want to be sure your beloved home and its contents are protected from any unfortunate events. No matter your home’s age or amenities, you’ll want to be sure you have reliable homeowners insurance

If you’re not sure how to go about getting a homeowners policy, then it’s time to call an insurance agent near you. An independent agent can get you lots of different home insurance quotes from high-quality companies. The best part is that an independent insurance agent won’t charge you any fees for their professional help. 

Price of Homeowners Insurance in Watertown, Massachusetts 

Massachusetts citizens usually pay a bit more for homeowners insurance than other states. However, Watertown home premiums are a bit lower. 

  • US average yearly premium: $1,173
  • Massachusetts average yearly premium: $1,379

Remember, these average premiums are just to give you an idea of the price you might pay. Insurance costs are specific to each home, owner, and area. 

  • Watertown average home values: $577,652
  • Massachusetts average home values: $385,400
  • US average home values: $188,900

Your insurance agent will ask for lots of details about your house. This is information that insurance carriers will use to calculate your insurance pricing: 

  • The homeowner’s credit score 
  • Claims history
  • The home’s age and current market value
  • Your home’s location (e.g., ZIP code, county)
  • Materials used to build the home
  • The home’s use: primary residence, vacation home, rental property
  • The deductible amount selected
  • Freestanding structures on the property (e.g., fences, garages, swimming pools)

Independent insurance agents in Watertown can help you sort through different homeowners policy options offered by reputable carriers. You can be sure to get high-quality homeowners insurance that fits your budget. 

Total Number of Property Crimes in Watertown, Massachusetts 

It’s always best to buy a comprehensive homeowners insurance plan no matter where you live. Property crimes happen everywhere and your house isn’t immune. 

  • Average US burglary rate per 1,000 homes: 4.69
  • Average Watertown burglary rate per 1,000 homes: 1.04

Every American hometown works hard, among their citizens and residents, to make their neighborhoods safe. It’s always important to look out for yourself, your family, and your neighbors by taking action. Here are a few easy ways to keep thieves away: 

  • Lock your windows (home and garage) when you’re asleep or home.
  • Keep lights on even when you aren’t home. Use an automatic timer so you don’t forget. 
  • Use deadbolts on all your outside doors for extra security.
  • Make sure your sliding glass doors have great locks and security gadgets.
  • Install a home security system that includes burglar alarms and cameras.
  • If you’ll be away from home for more than a few days, make sure your mailbox won’t be overflowing with mail. Be sure your grass remains well-kept too. 

Another benefit to securing your home are the policy discounts most insurance companies will be willing to give you. Property insurers like when homeowners have security cameras, burglar alarms, and even fire extinguishers. Talk with your insurance agent about how you might be able to get a premium discount for home safety measures. 

Total Number of Catastrophes in Watertown, Massachusetts 

Watertown is part of Massachusetts’s Middlesex County. The area gets intense seasonal weather that can cause quite a bit of damage, particularly floods. Overall, the total number of natural disasters in the Watertown area is much higher than the national average (13). 

  • Major disaster declarations in Massachusetts: 53
  • Common causes of disasters within the state: floods and storms
  • Total amount of US property losses paid in 2018: $1,354,075

Here’s how Watertown’s worst weather events break down. 

  • Floods: 12
  • Storms: 9
  • Hurricanes: 6
  • Snowstorms: 6

Obviously, no matter what your hometown’s climate is like, it’s a great idea to invest in an excellent homeowners insurance plan. It’s a good idea to be prepared for the costly financial losses associated with risks like harsh weather, crimes, and fires. Not only will having a solid insurance policy give you peace of mind, it’ll also absorb most of the cost from a covered claim. 

Give a local independent insurance agent a call today to talk about your home insurance policy needs. The sooner you do that, then the sooner your home will be protected. When you talk to your local agent, feel free to ask about car insurance and life insurance too. 

Liability Insurance for Watertown, Massachusetts, Homes

Another disaster that homeowners, like yourself, want to avoid are liability claims. That’s why it’s important your home insurance includes personal liability coverage. The liability benefit that most property plans include will pay for legal fees, courts costs, and damage settlements. 

Mishaps and accidents usually happen when you least expect it. Here are some examples of common liability situations that homeowners face: 

  • Your child breaks the neighbor’s SUV window with a baseball.
  • Your dog escapes the backyard and bites a delivery driver.
  • Your best friend is visiting your home and accidentally breaks her foot.
  • An untrimmed tree limb from your property scratches your neighbor’s car.

Check out your policy’s liability limits to be sure the coverage amount is good. Your independent insurance agent can go over your policy limits with you and answer questions. The agent may be able to increase your liability limits, or get you an affordable umbrella policy for extra coverage. 

Start Shopping for Watertown, Massachusetts, Homeowners Insurance 

Shopping around for the right policy at the right price is the best way to get a homeowners insurance plan. Of course, comparing multiple plans and premiums can take a lot of time and get a bit frustrating. You’re busy, so make your life easier by working with a local independent insurance agent. Watertown agents know your community and understand your needs. 

An independent agent will be glad to answer your questions, identify any risks you might encounter, and gather multiple insurance quotes from a variety of reliable insurers. The best part of working with an independent agent is that you don’t have to pay for their professional assistance. 

When you really think about it, shopping for homeowners insurance with an independent insurance agent is the best way to get what you need at the price you want.

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