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Cheapest Home Insurance in Lynn, MA

If you're looking for home insurance in Lynn, Massachusetts, you've come to the right place. Home insurance is an important part of protecting your home and personal property, and by shopping around, you can find the best rates and coverage options in Lynn. Home insurance in Lynn covers a variety of risks, including fire, storms, theft, liability, and more. It also provides financial protection in case of an accident or damage to your home. Regarding home insurance, there are several factors to consider, such as the type of coverage you need, the cost of premiums, and the overall level of protection offered.

The average cost of home insurance in Lynn, MA, is $1073. When shopping for home insurance in Lynn, comparing rates from multiple companies is essential. Different insurers offer different coverage options and rates, so it's a good idea to compare multiple quotes before deciding. Additionally, it's important to read your policy's fine print carefully to ensure you understand the coverage you're getting and any exclusions or limitations. There are several factors to consider, such as the home's size, the property's value, the home's location, and the type of coverage needed.

The below chart provides an estimate of the home insurance premium for different policies.

Factors affecting home insurance in Lynn, MA:

1. Home insurance rates by coverage levels

2. Home insurance rates by deductibles

3. Home insurance rates by materials used

4. Home insurance rates by the number of claims

Homeowners insurance in Lynn - Rates by coverage level

A homeowner's insurance policy often does not provide coverage for certain perils, such as floods and earthquakes. Nevertheless, depending on the specifics of the policy, insurance carriers offer optional coverage to address these dangers. Therefore, homeowners should be aware of all the different types of coverage offered before shopping for homeowners insurance in Lynn. For instance, homeowners in Lynn, Massachusetts, who choose $100K in coverage pay $338 for their home insurance.

See the chart below to understand how much homeowners insurance in Lynn, Massachusetts, will cost depending on the level of coverage selected by the policyholders.

Homeowners insurance in Lynn - Rates by deductibles

A homeowner's deductible is the amount they agree to fork up out-of-pocket before their homeowner's insurance company steps in and assists with the balance of the repairs or damages. You are responsible for covering your deductible before the insurance provider covers its share of any claims that arise. Lower rates result from higher deductibles. Homeowners in Lynn, Massachusetts, who want to save money on their house insurance premiums can choose a higher deductible. In Lynn, Massachusetts, homeowners who selected a $1500 deductible for their homeowner's insurance pay $903. A low deductible means that homeowners must pay a higher premium. For instance, in Lynn, Massachusetts residents who choose a $500 deductible for their home insurance pay $1060.

Homeowners insurance in Lynn - Rates by materials used

It is suggested that homeowners utilize strong materials like brick, an ultra-durable polyester canopy, a light aluminum frame, etc. By choosing strong materials, homeowners can relax about small dangers. Bricks are not only attractive but also incredibly strong and weather-resistant. They are a fantastic alternative when purchasing a new home because of their durability. The cost of your homeowner's insurance may drop in Lynn, Massachusetts. For instance, homeowners in Lynn, Massachusetts, who construct their homes with hail- and fire-resistant roofs pay $1052 and $966 in insurance premiums, respectively.

Homeowners insurance in Lynn - Rates by the number of claims

When a covered loss or policy event occurs, the policyholder files a claim with the insurance provider, asking for coverage or payment. The claim should accompany all necessary supporting documents, such as medical bills, loss data, or repair cost estimates. Homeowners with a claim-free history pay less for home insurance than those with one or two claims. For instance, in Lynn, Massachusetts, an insured with no claims can get coverage for as little as $923. In Lynn, Massachusetts, homeowners with one or two claims pay $1170 and $1223 in premiums, respectively.

Top Home Insurance Companies in Lynn, MA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 18.42%
GEICO A++ 16%
Liberty Mutual A 10.26%
Allstate A+ 9%
Travelers A++ 3.86%

Top State Farm Home Insurance Agents in Lynn, MA

Homeowners Insurance Agents Agent Address Contact Details
Jonathan Gray 137 Main Street (Rt. 28)
1867
(844)246-6663
Michael Hester 118 York St
www.hesteragency.com 03909-1314
(207) 363-8902
Mark Jaschen 72 River Park St
2194
Ruth Ann Murphy 300 Worcester Rd
1702
John Dominianni 4258 Washington Street
2131
(617)245-6415
Kay Patel 981 WORCESTER ST
www.kaysf.com 2482
781-431-9800
Joe D'Orazio 68 WATERTOWN ST
www.joedorazio.com 2472
617-924-7474
Stan White 255 Park Ave Ste 1000
www.stanwhite.net 1609
Shelley Anderson 400 West Cummings Park #6725
1801
Wayne Young 800 South Street Suite 600
www.wayneyoungins.net 2453

Top Allstate Home Insurance Agents in Lynn, MA

Homeowners Insurance Agents Agent Address Contact Details
Kimberly J. Hayes 30 GROVE STREET
1907
978-346-7200
Sharie Withers 29 Home Depot Dr
2360
Steven M. Marcus 420 Washington St
2184
(781)241-9958
Michelle Hassani 252 Boston Tpke
1545
(508) 756-4310
Jane Pennington 213 MAIN STREET STE 1
1749
978-568-8700
Ray Davis Jr. 56 Webster Street
3104
Tom Vujatov 61 Highland Avenue
2949
Donald Rains 2 Franklin Commons
1702
(508) 875-3488
Lorin M. Granger 27 WATER ST
1880
781-245-0888
Monica Titley 148 W GROVE ST
2346
(508) 947-3036

Top GEICO Home Insurance Agents in Lynn, MA

Homeowners Insurance Agents Agent Address Contact Details
Steve Allen 6 Congress Street
1757

Email:sallen@geico.com
Jerry Sorrels 309 DANIEL WEBSTER HWY
3054
603-424-9901
Email:jsorrels@geico.com

Top Liberty Mutual Home Insurance Agents in Lynn, MA

Homeowners Insurance Agents Agent Address Contact Details
Larry Chester Lutcf 800 WEST MAIN ST
2322
508-586-2973
Lauren Andreadis 2 EASTERN AVE
1615
508-831-9200
Steven W Kemph 109 W Foster St
2176
John D. Perez 93 WASHINGTON ST
3820
978-433-2728
Dion W Morant 646 Washington St Ste 4
2375
(508) 205-7211
Tyler Mccabe 292 Central St
1906
Lisa Barnes 40 FENWOODD ST
1701
508-877-0078
Janee Ferrari 195 UNION ST
1510
978-365-4577
Shawn Stiger 144 Gould St. Suite 152
2494
Sherree Taves 664 Armistice Blvd
2861

Top Travelers Home Insurance Agents in Lynn, MA

Homeowners Insurance Agents Agent Address Contact Details
Van Syckel Inc 51 Pullman Street
www.vansyckelinc.com 1606
(844)246-8336
Email:info@vansyckelinc.com
Iii-Stewart Agency Inc 404 MAIN ST STE 1
www.stewartagency.com 1887
978-657-0209
Email:greg@stewartagency.com
Wheatland Insurance Center Inc 545 Main Street
www.wheatlandins.com 1505

Email:wheatland@wici.net
Insurance Office Of America 287 LINDEN ST
2482
781-235-3100
Illinois Protector Insurance Agency Inc 5 WHITTIER ST 4TH FL
1701
508-656-1400
J Michael Dick And Associates Inc 319 BROADWAY
2151
781-289-6700
Tog Insurance Brokerage Group Inc 144 Cohannet St
www.obermaninsurance.com 2780

Email:MKAUFMAN@OBERMAN.COM
Simpson Insurance Inc 10 Union St
1760
(508)242-7449
Michael K Mcfadden Agency Inc 377 South Willow Street Suite B1-5
www.mcfaddenagency.com 3103
(603) 391-0670
The Insurance Shop Inc 337 Hubbardston Road
www.myinsshop.com 1541

Email:Leila@myinsshop.com

Homeowners Insurance Comparison for the Cheapest Premiums in Lynn, MA

TravelersAllstateLiberty Mutual
Median Home Value ($) 251,460251,460251,460
Construction year 194319471942
Home Coverage ($) $175000-$200000$150000-$175000$150000-$175000
Total Premium ($) $1668$1072$1446

Lynn, MA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 22%
GEICO upto 15%
Liberty Mutual upto 17%
Travelers upto 6%