Check out the most popular Home Insurance agencies & companies in Chelsea, MA & compare the best quotes from them.

Get Quotes From The Best & Compare

Average Cost of Homeowners Insurance in Chelsea, MA

In the USA, the national average premium is $1224. The cost of homeowners insurance varies significantly based on your home’s location and state laws. Based on the research conducted by Catoxo, the average cost of homeowners insurance in Chelsea, MA, is $1157.85, which is lower than the national average premium.

Considering that, the cost of the insurance is set after scrutinizing certain factors. A few such factors are:

Therefore, it is necessary to understand the applicable homeowners insurance in Chelsea, MA, to maintain the balance as per your needs.

Average Cost of Homeowners Insurance in Chelsea Based on the Material Used

Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.

For instance, homes built with fire resistive brick are offered at a premium of $1008 in Chelsea, whereas homes built with Masonry and Brick are offered at $1100. Thus, the premium charged will be higher if you use low-quality materials to construct your house.

Refer to the chart below to know the applicable rates based on the material used to build the house. 

Average_Cost_of_Homeowners_Insurance_in_Chelsea_MA

Apart from that, homeowners in Chelsea, MA, can take advantage of discounts to reduce the cost of their house insurance. One such way is to maintain claim-free history. Homeowners who have a claims-free history with their home insurance company can receive discounts on their premiums. By providing a history of zero claims, homeowners have to pay a premium of $1019, where the discount is $138.85. In contrast, policyholders with one and two claims have to pay a premium of $1263 and $1309, respectively. So, the higher the number of claims, the higher the premium added to the insurance.

Homes with advanced level security features like fire extinguishers, smoke detectors, new locks are less prone to burglaries and damage. Therefore, homeowners insurance companies in Chelsea encourage homeowners to install home safety devices by offering discounts as incentives. Homes in Chelsea with deadbolts and fire extinguishers pay $1043 on home insurance rates. In addition, homes equipped with fire alarms and smoke detectors pay $1100 and $1008, respectively, on homeowners insurance.

Top Home Insurance Companies in Chelsea, MA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
GEICO A++ 16%
Liberty Mutual A 10.26%
Allstate A+ 9%
Erie A+ 7%
Travelers A++ 3.86%

Top Travelers Home Insurance Agents in Chelsea, MA

Homeowners Insurance Agents Agent Address Contact Details
Stahlka Agency Inc 14 North Main Street
1949
Kiac Insurance Agency 86 EAST MAIN ST
1581
508-366-8736
Ea-Dan Rivers Insurance 83 Parkhurst Rd Unit 10
1824
(978) 710-7040
Total Dollar Management Effort Ltd 68 Pleasant St
www.totaldollar.com 1950

Email:info@totaldollar.com
Yellow Key Insurance Agency Inc 224 Main Street Suite 2A
3079
(603)259-4499
Tim Huber Insurance 250 Copeland St Ste 2
2169
Tag- Scott Bagwin 230 Squire Road
2151
Warren Insurance 152C South Main St
1949
(781)241-9959
Think Bank Employees Po Box 3543
1961
The Jmj Agency Llc 335 Stafford Road Fall\u00a0River
www.jmjagencyllc.com 2721

Email:jmjagency@yahoo.com

Top Allstate Home Insurance Agents in Chelsea, MA

Homeowners Insurance Agents Agent Address Contact Details
Morgan Scheibel 175 FEDERAL ST STE 510
2110
(800) 595-9417
Toby Pierce & Associates Ltd 400 Resoervoir Ave Ste 2B
2907
Kevin Mlynarek 1 Wall Street
1803
Hub Intl Northwest 1207 COMMERCIAL ST
2189
781-337-3381
Southern Harvest 114 Harvard St
2446
(617)245-6413
Mohamad Maaz 1 PLUMMERS COR
1588
(508) 234-6333
Wbbk Inc. 1200 Salem St #121
1940
Lawrence Turek 163 FRONT ST
2738
508-378-1166
Valarie Gavin 375 Airport Road Fall\u00a0River
2720
Thune Insurance Network 557 Central Street
1852

Top Erie Home Insurance Agents in Chelsea, MA

Homeowners Insurance Agents Agent Address Contact Details
Spiegelhoff Insurance Group Inc. P O Box 514
1752
Hubbard Insurance Agency 253 WASHINGTON ST
www.hubbardinsurance.biz 2719
781-331-5200
Laurel Highlands Insurance Group 414 MAIN ST
1608
508-757-0950
Intra-State Insurance Corp 464 HIGH ST
2155
781-391-1630
Lorin Walls Insurance Agency Inc. 923A MAIN ST
www.lorinwallsins.com 1880
781-944-9800
J Moore Insurance Agency 403 FRANKLIN ST
2176
781-665-9100
Lawson & Associates Insurance Services Llc 928 ASHLEY BLVD
lawsonis.com 2745
508-993-6828
E J Coyne & Company Inc. 16 E Washington St
2760
(508) 695-1011
Thomas J Dolbow 607 North Avenue #12
1880
Warner Insurance Agency Llc 2 S Bolton St
1752

Top Liberty Mutual Home Insurance Agents in Chelsea, MA

Homeowners Insurance Agents Agent Address Contact Details
Jon Carver 260 W EXCHANGE ST WEST EXCHANGE CENTER
2903
401-353-0300
Osei Sampah Lutcf 950 HIGHLAND AVE
2494
781-444-3050
Brandon Roberts 220 Main St Ste C
03079-3185
603-898-5220
Joe Clay Jr. 300 FIRST AVE STE 100
2494
781-431-2500
Sunset D Ravenell 1045 Avenue
2888
Jane Ortiz Lutcf 81 COMMONWEALTH AVE
1742
978-369-0110
Hien V. Tran 133 PORTLAND STREET
2114
617-773-8887
Oscar Vega 2194 MAIN ST
1742
(978) 369-0677
Morgen Jackson 2288 MASSACHUSETTS AVE
2140
(617) 945-2075
Eduardo Saguier 36 Larch St
3102
(603) 627-9535

Top GEICO Home Insurance Agents in Chelsea, MA

Homeowners Insurance Agents Agent Address Contact Details
Jerry Sorrels 309 DANIEL WEBSTER HWY
3054
603-424-9901
Email:jsorrels@geico.com
Steve Allen 6 Congress Street
1757

Email:sallen@geico.com

Homeowners Insurance Comparison for the Cheapest Premiums in Chelsea, MA

TravelersErieAllstate
Median Home Value ($) 327,470327,470337,470
Construction year 194419411942
Home Coverage ($) $500000-$600000$900000-$1000000$700000-$800000
Total Premium ($) $3631$5776$5428

Chelsea, MA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Travelers upto 8%
Allstate upto 19%
Erie upto 20%
Liberty Mutual upto 18%
GEICO upto 17%