Compare up to 12 quotes for your home in Hampden County, MA! It's easy and only takes a minute!
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.
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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.
Demographic | Values |
---|---|
Total Occupied Households | 179,927 |
Family Households (families) | 115,961 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 192,175 |
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
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 Rating | Annual 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
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Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
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Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]
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Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]
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Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
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The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
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 Units | 192175 |
Occupied Housing Units | 179927 |
Vacant Housing Units | 12248 |
Vacant Housing Units for Rent | 4393 |
Vacant Housing Units Rented Not Occupied | 210 |
Vacant Housing Units For Sale | 1717 |
Vacant Housing Units Sold Not Occupied | 390 |
Vacant Housing Units For Seasonal Occasional Use | 1795 |
Vacant Housing Units All Other Vacants | 3743 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 6 |
Housing Tenure Occupied Units | 179927 |
Housing Tenure Occupied Units Owner Occupied | 111719 |
Housing Tenure Occupied Units Owner Occupied Population | 289392 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 68208 |
Housing Tenure Occupied Units Renter Occupied Population | 159307 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |