Massachusetts Home Insurance Coverages

How Much Will You Pay to Insure Your Home in Massachusetts?

This will depend on a number of different factors. The size and location of your home, as well as what coverages you choose, can all go in to calculating the price of your Massachusetts home insurance policy.

What Does Home Insurance Cover?

Homeowners Insurance typically helps to pay costs that can result from a range of perils such as the ones listed below. Contact your local office to speak with an agent to discuss coverage options and what circumstances are usually covered.

Fire

A standard homeowners insurance policy usually includes coverage for damage from fire and smoke.

Theft

Coverage for losses from theft are included on most standard homeowners insurance policies.

Water Damage

Water damage from something such as a burst pipe is typically covered by a standard homeowners insurance policy, as long as the damage is not caused by a lack of maintenance.

Plumbing Issues

A burst pipe or failed water heater is typically covered by a standard homeowners insurance policy, as long as the damage is not caused by improper or insufficient maintenance.

Ways to Save on Home Insurance in Massachusetts

Looking to save on how much you pay for your home insurance?

Shop Around

We work with dozens of companies, from nationally known names to New England based companies to give you options.

Bundle Coverages

Ask your local insurance agent if you can reduce your premium by buying multiple coverages from the same carrier, such as home and auto.

Additional Discounts

Your local insurance agent may also know about additional discounts for security devices, such as installing an alarm systems.

Does My Massachusetts Home Need Flood Insurance?

You can use this flood map from FEMA to see if your home is in an area with moderate or low flood risk. Typically, most homeowners insurance does not cover damages caused by floods. In addition, your mortgage lender may require you to carry flood insurance, depending on which flood zone you live in.

About Cross Insurance

Cross Insurance is a family owned insurance agency with branches throughout the Northeast. Established at the kitchen table of Woodrow Cross in 1954, today we have become one of New England’s largest independent insurance intermediaries. Since our founding, we have successfully acquired over 150 operations, increasing our footprint on the Northeast. With over 1,100 employees and counting, our experienced team is ready to provide insurance options for you.

We believe in building winning partnerships to protect your team for tomorrow. Whether your team is your family, business, or employees, you can depend on Cross Insurance to provide you with options for your insurance solutions.