Lehr & Barnes Insurance Agcy
306 N Main St, Cohasset, MA 02025
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306 N Main St, Cohasset, MA 02025
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200 N Main St, Cohasset, MA 02025
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861 Chief Justice Cushing Hwy, Cohasset, MA 02025
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Learn about insurance coverage options specific to Cohasset residents.
Get comprehensive home insurance for your Cohasset property. Learn about flood coverage requirements, historic home protection, and coastal risk coverage options.
General Insurance EducationComplete insurance guide for Cohasset, MA covering flood insurance, coastal home coverage, 2025 rate increases, and waterfront property protection.
Car InsuranceGet Cohasset auto insurance that protects coastal vehicles and assets. Learn about MA's new 25/50/30 minimums, no-fault rules, and why coastal living affects rates.
While not legally required, flood insurance is highly recommended even outside designated zones. Cohasset's coastal location means flooding is a constant threat from coastal storms, high tides, and nor'easters. More than 20% of flood insurance claims come from properties outside high-risk zones. Standard homeowners insurance doesn't cover any flood damage, so one severe storm could cost you tens of thousands out of pocket.
Home insurance costs in Cohasset vary significantly based on property value, coastal proximity, and coverage limits. For a median-value home around $1.4 million, expect to pay $3,000-$6,000 annually for homeowners insurance, plus another $1,200-$2,000 for flood coverage if required. High-value waterfront estates often pay considerably more, especially with enhanced coverage for historic features and coastal exposures.
Historic homes require specialized coverage because standard replacement cost policies don't account for period-appropriate materials, custom craftsmanship, or historical accuracy. Original wide-plank floors, hand-hewn beams, slate roofs, and custom millwork cost significantly more to repair or replace than modern equivalents. High-value or historic home policies provide agreed value coverage and higher replacement cost limits to properly protect these unique properties.
It depends on the type of damage. Wind damage from hurricanes and nor'easters is typically covered, though you may face a separate wind deductible of 1-5% of your dwelling coverage. However, flooding caused by these storms requires separate flood insurance—your standard policy won't pay for it. Storm surge, coastal flooding, and wave damage all fall under flood coverage, not homeowners insurance.
FEMA's updated flood maps added thousands of Cohasset properties to designated flood zones, which can trigger mandatory flood insurance requirements if you have a federally backed mortgage. Even if not required, being in a flood zone typically increases flood insurance premiums. Check your property's current flood zone status and consider getting flood coverage before it becomes mandatory—rates are often better when you purchase voluntarily.
Replacement cost coverage pays to rebuild or repair your home at current construction costs without deducting for depreciation, while actual cash value subtracts depreciation based on age and wear. For Cohasset's high-value and historic homes, replacement cost coverage is essential—depreciated value won't come close to covering the actual cost of restoring a historic property or rebuilding with quality materials. Extended replacement cost adds an extra 25-50% cushion beyond your dwelling limit.
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