Home Buying in Westford>Question Details

Jack, Home Buyer in Chelmsford, MA

cost of home insurance

Asked by Jack, Chelmsford, MA Tue Mar 5, 2013

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There are so many things that will affect the cost of your insurance. The size and location of the house are big. Your credit score will be looked at closely. Beyond those two major things there are a ton of other things that will be evaluated when you get insurance. I would suggest talking to your current insurance company to see if there is any way you can bundle your car insurance to your home. I know a lot of people save money that way, you might be able to bundle other types of insurance too. You never know if you don't ask.
0 votes Thank Flag Link Thu Apr 9, 2015
I would give you a ballpark estimate, but honestly there are just too many factors. You'll be better off researching a few insurance companies and having them quote you a price. Then you can pick between them. The only answers you'll find on this site will be guesses. http://woodhomeinsurance.com/homeinsurance.html
0 votes Thank Flag Link Wed Apr 1, 2015
This is a complicated question to answer simply. There are a lot of factors that come to play when it comes to insurance. The best way to figure out this question would be to contact a few insurance agencies and see what they have to say. Explain your situation and they will be able to tell you how to go about getting an estimate. Good luck Jack. http://www.estabrookchamberlain.com/homeowners_insurance.html
0 votes Thank Flag Link Tue Mar 31, 2015
There are a lot of different factors that go into how much home insurance costs. The size of your home, risk factors in your area, and what kind of coverage you want will all change the cost by quite a bit. If you think about it, it's really important to get it, though. The insurance is there to cover expenses if anything ever goes wrong with your place. That's a big deal, especially since a house is such a big investment. I should probably look over my own policy again soon. http://www.unitedsecurityagency.com/ins-wv/insurance/persona…
0 votes Thank Flag Link Thu Mar 26, 2015
Massachusetts has many home insurance companies. 6 of the top 7 home insurers are based in
Massachusetts. Massachusetts rates are high despite the competition. Most companies offer discounts, so shop around for your best deal.
0 votes Thank Flag Link Wed Mar 25, 2015
The cost of home insurance will depend on several things, including where you live and what kind of house you own. You can also choose different packages, and they will have varying costs. If you are trying to find some home insurance that fits your budget then I would recommend getting a few quotes from different providers before choosing one.
0 votes Thank Flag Link Mon Mar 23, 2015
Lewis is right, it all depends on where you live. There are some places that charge a lot more for insurance because there is a great risk of things such as tornadoes or hurricanes. I think that no matter where you live though, it is always important to have it. You never know when an accident could happen. http://insurance-agency.amfam.com/CO/timothy-brown/
Flag Wed Apr 1, 2015
Insurance rates vary quite a bit depending on the size and location of your home. If you're looking to get home insurance, I'd shop around and get quotes on the rates and coverage plans they offer for your place. If any of your friends have suggestions, I'd check those people out as well. I hope this helped. http://ebertagency.com/Page.aspx?page=Personal%20Insurance
0 votes Thank Flag Link Fri Mar 20, 2015
Contact a local insurance agent and get a quote. Shop around if you're not satisfied, it never hurts to get multiple quotes. Just make sure that the coverage your getting is the same.
0 votes Thank Flag Link Tue Jan 20, 2015
The quote tip is the best. Don't go with the first estimate you get. And make sure you know exactly what you're getting with the insurance you end up going with. If you live in an area that's prone to flooding or hurricanes, the insurance is different. http://www.nauinsurance.com
Flag Tue Feb 24, 2015
The cost of homeowners insurance is going to be different for every single homeowner. I just recently bought a new home and bought insurance for it as well. I didn't have insurance for my last house and it made me very nervous. I was going to make sure that I had insurance this time around. I think that it is absolutely imperative that a homeowner insure arguably their biggest investment.

0 votes Thank Flag Link Fri Jan 16, 2015
Wally is right, you've got to contact an insurance agent. The rates are going to be different based on a lot of different things. Depending on where you live as well will make a big impact on the price you have to pay. It's a lot more expensive to live by the eastern coast than to live more inland where you don't have to worry about hurricanes for example. http://www.preparedins.com/homeowners/
Flag Tue Feb 24, 2015
It really depends. The price and location of the house greatly effect rates. You can also choose different amounts of coverage. Obviously, the more you pay for the more you get. http://www.gaylerinsuranceagency.net/services
0 votes Thank Flag Link Fri Dec 12, 2014
The cost of homeowner's insurance will vary greatly. Obviously, the biggest factor is your home's value. Location, age, credit score, marital status, etc. will also make a difference. The only way to get an accurate quote is to call an agent. I would suggest getting multiple estimates.

0 votes Thank Flag Link Mon Dec 8, 2014
It really depends on the factors behind it. They'll evaluate your credit, crime rate near your house, and your history with insurance among other things. Once everything is considered they'll have a variety of coverages for different prices. Your best bet to get the best price possible is to know exactly what you want your insurance policy to be. With that information get as many quotes as you can and pick a trustworthy company offering you something that you're willing to pay.
0 votes Thank Flag Link Thu Nov 20, 2014
Home insurance< is on of those things that just brings peace of mind. Its just smart to be prepared. You never know when it may come in handy. I'd rather have it and not have to use it then have a disaster happen and not be able to cope.

0 votes Thank Flag Link Thu Oct 16, 2014
Most banks will require home insurance coverage for a mortgage. I don't know any homeowners that don't have a plan. A home is to big of an investment to leave unprotected. The cost of coverage will depend on a number of factors including the location, size, and age of the home.

Flag Fri Oct 17, 2014
The answer to that question has a lot of variables that you would need to "plug in" to get accurate information. How big is the home? What area are you living in? How much coverage are you looking to get? Those are just a few of the questions you will need to answer. Talk to a company and get some starting numbers.
Michael Foster http://www.axisinsuranceutah.com/home/
0 votes Thank Flag Link Wed Aug 27, 2014
There is really only one thing to do here...research. Take a couple hours on a Saturday, and call around to the various insurance companies. The internet-based companies like GEICO and Progressive tend to be the cheapest, but they can sometimes fall short in service. Also, generally you'll receive a discount for having all of your insurances in one place, so make sure you check with your auto and/or life insurance carrier to see if they offer multi-policy discounts. I get 20% off all 3 of my insurances for bundling them together.
0 votes Thank Flag Link Fri Aug 1, 2014
Well, I am good at research, so I am going to go with your suggestion. I like the idea of being able to compare all of the available options. This is a major expense, and I don't want it to be more than it has to.

Flag Sat Sep 20, 2014
Cost varies quite dramatically depending on many factors. Is home in a high fire hazard area? Hi crime area? Flood zone? The list goes on and on. Your best bet is to call at least three different insurance agencies.You will get three different priced quotes. It will be your job to try and compare "apples to apples" with the different policies. Your first step is contacting an insurance agent.
0 votes Thank Flag Link Tue Mar 5, 2013
It really depends. What type of home do you have, what is the sq footage, coverage.......... best is to call a few companies to get a few estimates.
Web Reference: http://wenrealty.com
0 votes Thank Flag Link Tue Mar 5, 2013
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