Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Hampden County, MA agent.

Hampden County, MA Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Hampden County MA home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Massachusetts. Our agents specialize in the best rates for Hampden County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Hampden County Coastal Home Insurance

Because Hampden County is considered a coastal area, it is important to know that flood protection is crucial for homes in Hampden County that are prone to hurricanes and tropical storms. We recommend you speak with us if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your basic homeowners (HO-3) policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Hampden County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Rates in Hampden County

Did you know the average home insurance premium for the state of Massachusetts is $1667 a year. That's $138.92 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Hampden County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Hampden County MA. Simply give us a call now at 1-855-976-2656

For all Hampden County, MA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Hampden County? Simply enter your zip code to get your Massachusetts homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Hampden County, MA Housing Demographics

With 463,490 residents living within the Hampden County area there are over 192,175 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 115,961 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Hampden County.

DemographicValues
Total Occupied Households179,927
Family Households (families)115,961
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units192,175

Hampden County, MA Coastal Wind, Hail & Flood Information

For all homeowners living in Hampden County (FIPS: 25013), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Massachusetts is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Hampden County, MA, it's important that you look into hurricane and windstorm insurance options.

Hampden County, MA Home Insurance Average Premiums

Local Hampden, MA homeowners insurance quotes comparison

$1,211 /yr.

Massachusetts's Average Home Insurance Rates Overall

For the state of Massachusetts, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 8 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$759 /yr.
Current Average Cost:$1,211 /yr.
Maximum Range:$1667 /yr.

Hampden County, MA Coastal Wind, Hail & Flood Information

Hampden is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Massachusetts Homeowners Insurance News & Information

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

Discounts For Homeowners in Hampden County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Massachusetts homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Hampden County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Hampden County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Hampden County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Hampden County Housing & Real Estate Data

Details:Statistics
Total Housing Units192175
Occupied Housing Units179927
Vacant Housing Units12248
Vacant Housing Units for Rent4393
Vacant Housing Units Rented Not Occupied210
Vacant Housing Units For Sale1717
Vacant Housing Units Sold Not Occupied390
Vacant Housing Units For Seasonal Occasional Use1795
Vacant Housing Units All Other Vacants3743
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent6
Housing Tenure Occupied Units179927
Housing Tenure Occupied Units Owner Occupied111719
Housing Tenure Occupied Units Owner Occupied Population289392
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied68208
Housing Tenure Occupied Units Renter Occupied Population159307
Housing Tenure Occupied Units Renter Occupied Average Household Size2