Coastal Home Insurance in Cohasset, Massachusetts

Your waterfront view in Cohasset shouldn’t cost you a fortune to insure. We’ve partnered with national and regional carriers who provide affordable insurance options for coastal homeowners.

We’re your local insurance agency. We know the Cohasset community and the issues affecting it, because we live here too! We’ve provided comprehensive coastal home insurance, auto insurance and business insurance to individuals and families in Cohasset, Massachusetts for over fifty years. Reach out to our nearby office in Braintree to get started.

Coastal Homeowners Insurance for Massachusetts

One factor that will typically impact your homeowners insurance is your home’s distance from the coast. Most carriers require higher levels of coverage for homes located 3 miles or less from the coast.  Coastal homes face greater exposures to a variety of risks, such as harsh weather from Nor’easters, hurricanes, and blizzards. To account for these exposures, coastal home insurance policies can include hurricane deductibles, separate wind deductibles, or named-storm deductibles.

Private Client Group Insurance

Did you know we have a dedicated Private Client Group that works with high-net-worth individuals and families? Standard insurance policies may not be able to offer a sufficient amount of coverage for individuals or families who have a substantial amount of assets. Visit our Private Client Group website for more information.

Home Insurance Discounts for Cohasset, Massachusetts

Looking for discounts for insurance for your home? Reach out to our Braintree office to learn more about these potential offers:

  • Multi-policy discount: Many insurance carriers will offer discounts for having more than one policy through them, such as bundling your home and auto quotes together with the same insurance company.
  • Pay in full discount:  You typically will save money on your insurance policy by paying your 12-month premium in full. Check with your insurance carrier to see if they offer this option.

Home on coastal inlet in Cohasset, Massachusetts

Home Insurance Terms   

A homeowners insurance policy will typically refer to dwelling coverage, personal property, other structures, and liability. Here is what each of those are referring to.

  • Dwelling coverage commonly refers to the actual structure of your home, which may include things like an attached porch or connected garage
  • Personal property refers to your belongings- Your furniture, appliances, jewelry, sporting equipment, and additional items you own
  • Other structures can mean structures not attached to your home, such as a shed, a detached garage
  • Loss of use can provide compensation for things like eating out and temporary housing if you are unable to live in your home due to a covered loss
  • Liability coverage can provide coverage if someone is injured on your property

Other Insurance Coverages for Cohasset

Our local office in Braintree can help you find coverage options for your home, but we also can assist you with coverage for your cars, boat, RV, and more. We also offer commercial insurance coverages for businesses including commercial auto insurance, workers’ compensation, and cyber liability. Reach out today to see how we can assist you with your insurance needs.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

Have Questions? Reach Out to Our Team. 

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