Fisher Agency
222 Forbes Rd , #101, Braintree, MA 02184
Whole Life
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Braintree households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
222 Forbes Rd , #101, Braintree, MA 02184
44 Adams St, Braintree, MA 02184
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541 Washington St, Braintree, MA 02184
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25 Garden Park, #2, Braintree, MA 02184
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Learn about insurance coverage options specific to Braintree residents.
Braintree home insurance averages $1,500-$2,000/year. Learn about flood zones, wind deductibles, and coastal coverage for South Shore homeowners.
General Insurance EducationComplete insurance guide for Braintree, MA covering 2025 auto requirement changes, flood risks, and home coverage. Get rates and tips for Norfolk County.
Car InsuranceComplete guide to auto insurance in Braintree, Massachusetts. Learn about MA's 20/40/5 minimums, PIP options, and how I-93 location affects your rates.
While it's not required by lenders outside of Special Flood Hazard Areas, it's worth considering. More than 20% of flood claims come from outside high-risk zones, and Braintree experiences flooding from spring snowmelt, heavy rain, and coastal storms. Flood insurance is relatively affordable outside high-risk areas and provides protection your standard homeowners policy doesn't cover.
A wind deductible is a separate, higher deductible that applies specifically to wind and hurricane damage, common in coastal areas like Braintree. Instead of a flat dollar amount like $1,000, it's typically 1-5% of your dwelling coverage. So on a $500,000 home with a 2% wind deductible, you'd pay $10,000 out of pocket before insurance covers wind damage.
Your dwelling coverage should reflect the cost to rebuild your home, not its market value. With Braintree's median home value around $645,000, you likely need dwelling coverage of $400,000-$700,000 or more, depending on your home's size and construction quality. Your agent can help you calculate replacement cost based on your home's specific features and current construction costs in the area.
Yes. Norfolk & Dedham and Quincy Mutual are regional insurers with strong reputations in the South Shore area and competitive rates averaging $477-$819 annually for basic coverage. National carriers like State Farm also offer good rates in Massachusetts. Working with an independent agent gives you access to multiple companies so you can compare coverage and pricing.
Insurance companies scrutinize roofs over 15-20 years old and outdated electrical or plumbing systems because they increase claim risk. You may face higher premiums, reduced coverage, or difficulty getting coverage from preferred insurers. Updating these systems not only makes your home safer but can qualify you for discounts and better coverage options.
Absolutely. Most insurers offer multi-policy discounts of 15-25% when you bundle home and auto coverage. This is one of the easiest ways to reduce your insurance costs. Just make sure you're still getting competitive rates and adequate coverage—a bundle only makes sense if both policies meet your needs.
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