Did you know that protecting your home in Massachusetts is different from other states? Our unique weather and historic homes mean we need special insurance coverage. Let’s break down your choices in simple terms. Whether you live in a modern house in Worcester or a historic Victorian in Dorchester, understanding your options is super important.
THE BIG NATIONAL COMPANIES
MAPFRE Insurance leads the pack as our state’s largest home insurance provider. They’re like the local expert who knows all about New England homes. They’re especially good at handling those annoying ice dam problems that plague our roofs in winter.
State Farm comes in second place. Think of them as the tech-savvy option. Their mobile app makes everything easy, and you can save up to 25% when you bundle your home and car insurance together.
Liberty Mutual, born right here in Boston, offers great coverage options too. Their online tools are some of the best around, and they really know Massachusetts weather.
Progressive might be famous for their car insurance, but they’re also solid when it comes to home insurance. They make it super easy to get a quote online, and they offer nice discounts when you bundle with auto insurance.
OUR LOCAL HEROES
Vermont Mutual has been protecting New England homes for over 150 years! They work through local agents who really understand our area. Their deep knowledge of regional risks makes them particularly good at handling claims related to our tough New England weather.
Arbella Insurance shines when it comes to historic homes in Massachusetts. Their local agents really understand what it takes to protect older properties. Plus, they often offer great deals when you combine your car and home insurance.
Safety Insurance has been here for over 100 years! They know our building codes like the back of their hand, and they’re excellent with older homes.
Plymouth Rock offers something special too – they won’t raise your rates after your first accident. They’re also really good with coastal properties, which is super important if you live near the ocean.
MORE GREAT CHOICES
Hanover Insurance, based right here in Worcester, MA, brings over 160 years of experience to the table. They offer some really nice perks like identity theft protection and equipment breakdown coverage in their home policies.
Safeco Insurance, part of the Liberty Mutual family, offers some of the most flexible coverage options around. They’re great if you want to customize your policy, and their RightTrack program can help you save money.
Travelers Insurance stands out with their really strong coverage for high-value homes. They offer great options like extra coverage for green homes and identity theft protection.
Norfolk & Dedham Group, another local Massachusetts company, really gets our unique insurance needs. They’ve been protecting Massachusetts homes since 1825!
The Massachusetts Property Insurance Underwriting Association (MPIUA), better known as the FAIR Plan, is super important to know about. This is Massachusetts’s insurance safety net – they provide coverage when you can’t get it from regular insurance companies.
TAKE ACTION NOW
Don’t wait until there’s a problem to think about insurance. Our team at Vargas & Vargas Insurance understands Massachusetts homes inside and out. We’ve been helping homeowners like you find the right coverage for years.
Want to make sure your home is properly protected? Call us today at 617-298-0655. Our friendly experts will help you understand your options and find the best coverage for your specific situation. We’re here to work for you, not the insurance companies!
