Archer Insurance Agency
271 Cabot St, Beverly, MA 01915
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Beverly households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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271 Cabot St, Beverly, MA 01915
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107 Dodge St, Beverly, MA 01915
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129 Dodge St, Beverly, MA 01915
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186 Cabot St, Ste 203, Beverly, MA 01915
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Learn about insurance coverage options specific to Beverly residents.
Navigate Beverly's 2025 auto insurance changes, coastal home insurance risks, flood zones, and local agencies. Your complete North Shore insurance guide.
Home InsuranceBeverly homeowners face unique insurance needs with coastal flooding, nor'easter risk, and historic homes. Get the coverage you need for North Shore living.
Car InsuranceBeverly, MA auto insurance guide: 2025 coverage requirements, costs, no-fault rules, Route 128 commuter tips, and savings strategies for North Shore drivers.
As of July 1, 2025, Massachusetts requires $25,000 per person and $50,000 per accident for bodily injury liability, $30,000 for property damage liability, $25,000/$50,000 for uninsured motorist coverage, and $8,000 in personal injury protection (PIP). These are the first increases since 1988 and apply to all new policies or renewals after that date.
If your property is in a FEMA Special Flood Hazard Area and you have a federally-backed mortgage, flood insurance is required. Many properties along Beverly Cove, Beverly Farms waterfront, and near Bass River fall into these zones. Even if you're not required to carry it, flood insurance is worth considering since standard homeowners policies don't cover flood damage and 25% of claims come from moderate-to-low risk areas.
Beverly homeowners near the coast typically pay 25-50% more than inland properties due to hurricane, nor'easter, and coastal storm risks. While Massachusetts' average home insurance costs about $1,518 annually, coastal Beverly properties often pay $2,000 to $3,000 or more. You'll also face percentage-based wind/hurricane deductibles, typically 1-5% of your dwelling coverage.
Local Beverly agencies like Sterling Insurance, Duffy Insurance, and Cross Insurance understand North Shore-specific risks better than national online carriers. They know which neighborhoods flood, how to handle coastal property coverage, can shop multiple carriers on your behalf, and provide personalized service when you need to file a claim. For complex coastal property needs, local expertise is invaluable.
A hurricane deductible is a percentage-based deductible (usually 1%, 2%, or 5% of your dwelling coverage) that applies specifically to wind and hurricane damage in coastal areas like Beverly. If you have a $750,000 home with a 2% hurricane deductible, you pay the first $15,000 of storm damage out of pocket before insurance kicks in. Lower percentages cost more in premiums but reduce your out-of-pocket risk after major storms.
While Massachusetts now requires $25,000/$50,000 bodily injury liability, that's often not enough if you cause a serious accident. Medical bills and lost wages from severe injuries easily exceed $50,000. Most insurance experts recommend at least $100,000/$300,000 in auto liability coverage, and if your assets exceed those limits, add a $1-2 million umbrella policy for comprehensive protection at relatively low cost.
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