Bender Hatch Insurance
281 Main Street, Charlestown, MA 02129
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281 Main Street, Charlestown, MA 02129
View this agency's profile to learn more about their services.
30 Park St, Suite 2, Charlestown, MA 02129
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Charlestown residents.
Your complete guide to auto, home, and renters insurance in Charlestown, Massachusetts. Learn about 2025 coverage requirements, costs, and local agents.
Home InsuranceCharlestown home insurance averages $2,271/year. Learn about waterfront flood risks, historic row house coverage, and how to protect your $1.1M property.
Car InsuranceCharlestown auto insurance guide: new 2025 requirements, why rates are high, MA's hybrid no-fault system, and smart ways to lower your costs.
As of July 1, 2025, Massachusetts requires $25,000/$50,000 in bodily injury coverage, $30,000 in property damage coverage, $8,000 in Personal Injury Protection (PIP), and uninsured motorist coverage matching your bodily injury limits. These requirements increased from previous minimums of $20,000/$40,000/$5,000, marking the first increase since 1988.
Homeowners insurance in Charlestown typically costs $1,500 to $1,800 annually for $300,000 in dwelling coverage, which is about 15% below the national average. However, costs can vary significantly based on your home's age, construction type, and location within the neighborhood, especially if you own a historic property requiring specialized coverage.
While not everyone in Charlestown needs flood insurance, properties in low-lying areas near the waterfront or Navy Yard should strongly consider it. Standard homeowners policies exclude flood damage, and even areas outside high-risk flood zones can experience flooding during severe nor'easters. Check FEMA's flood maps and consult with a local agent to assess your risk.
Renters insurance isn't legally required in Massachusetts, but many landlords in Charlestown require it as a condition of your lease. Even if it's not required, it's a smart investment at just $15-$25 per month. It protects your belongings, provides liability coverage if someone is injured in your unit, and covers additional living expenses if your apartment becomes uninhabitable.
Historic homes in Charlestown often require higher replacement cost coverage because rebuilding with period-appropriate materials and craftsmanship costs more than modern construction. You may need specialized coverage that accounts for custom millwork, original architectural details, and materials that are no longer readily available. Work with an agent experienced in historic properties to ensure you have adequate coverage.
Yes, bundling your auto and home or renters insurance with the same carrier typically saves 15-25% on your premiums. For example, if you're paying $1,500 for home insurance and $1,200 for auto insurance separately, bundling could save you $400-$600 annually. Ask your agent about multi-policy discounts when shopping for coverage.
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