Homeowners Insurance in Scituate, Massachusetts

Scituate is one of the most beautiful coastal tows on the South Shore of Massachusetts.  Located midway between Boston and Plymouth, with beautiful marshes and beaches, and accessibility to Boston, it’s easy to see why people choose to live in Scituate.

However, with its proximity to the coast, communities like Scituate have to contend with Mother Nature’s wrath regularly and have different insurance needs than residents of non-coastal areas. Homeowners insurance can help protect you, your home and your belongings from harsh weather and unforeseen circumstances.

Getting a Quote for Homeowners Insurance 

If you’re ready to discuss homeowners insurance, reach out to our local insurance agents in Marshfield. We represent top insurance companies who are experienced in providing coverage to coastal homeowners living in seaside towns like Scituate, Cohasset, Hull, and Duxbury. We’re a part of the Scituate community, so we know the issues affecting it. We’ve provided insurance protection to homeowners in Scituate, Massachusetts for over fifty years.

Old Scituate Lighthouse at the entrance of Scituate Harbor in town of Scituate, Massachusetts MA, USA

Coastal Home Insurance in Scituate, Massachusetts 

How far your home is from the coast is one of the factors that determines whether or not you’ll need additional protection, as many carriers require additional coverage for homes located 3 miles or less from the coast.

Coastal homes require higher levels of protection than what a standard home insurance policy provides, because they face increased risk.  Seaside homes in Scituate are exposed to hurricanes, Nor’easters, and blizzards. Therefore, coastal home insurance policies can include separate wind deductibles, named-storm deductibles or hurricane deductibles. If wind blows a tree onto your roof, or an ice dam causes water damage inside your home, you need an appropriate amount of homeowners insurance to protect your coastal Scituate home. Visit our local office in Marshfield or request a complimentary quote on our website. We look forward to working with you!

How Much is Homeowners Insurance in Scituate, Massachusetts? 

The value of your home, the amount of coverage you choose, and your claims history are some of the factors that will determine how much you will pay for homeowners insurance in Scituate. One way to get a picture of how much you will pay is to request a personalized quote. We are a local insurance agency that works with dozens of different insurance carriers, which means more options for our clients. Reach out to our local office in Marshfield, Massachusetts today to request a quote for your home.

Home Insurance Discounts for Massachusetts   

Looking for discounts for insurance for your home? Reach out to our Marshfield 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 Insurance Terms 

A homeowners insurance policy will typically include dwelling coverage, personal property, other structures, and liability coverage. 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 or 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 Scituate 

Our local office in Marshfield 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.

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