Bettencourt Insurance Group, INC
11 C Broadway Rd (Suite C), Dracut, MA 01826
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Dracut households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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11 C Broadway Rd (Suite C), Dracut, MA 01826
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7 Broadway Rd, Dracut, MA 01826
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11 C Broadway Rd, Dracut, MA 01826
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101 Broadway Road, Unit 21, Dracut, MA 01826
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Learn about insurance coverage options specific to Dracut residents.
Complete 2025 insurance guide for Dracut, MA. Learn about new auto requirements, home insurance costs, flood risks, and local agents in Merrimack Valley.
Home InsuranceDracut homeowners pay $1,543/year for insurance. Learn about winter weather risks, Merrimack River flooding, and coverage options for your home.
Massachusetts increased minimum auto insurance requirements on July 1, 2025—the first increase since 1988. Property damage coverage jumped from $5,000 to $30,000, and bodily injury limits increased to $25,000/$50,000. These changes resulted in roughly 36% higher premiums for minimum coverage, with statewide averages around $711 annually.
If your property is in a Special Flood Hazard Area and you have a federally-backed mortgage, flood insurance is mandatory. Even if you're not required to buy it, consider that the Merrimack Valley experienced major flooding in 2010, and FEMA's July 2025 map updates identified new flood risks. Nearly one-third of flood claims come from properties outside mapped high-risk zones.
Dracut homeowners typically pay $1,500-$2,000 annually for home insurance with standard coverage levels. This is below the national average of $2,423. Your actual cost depends on your home's age, value, location within Dracut, and the coverage limits you choose.
The new minimums cover $25,000 per person for injuries and $30,000 for property damage, but serious accidents can easily exceed these limits. With Dracut's median household income over $111,000, you have assets worth protecting. Most financial advisors recommend coverage that exceeds your net worth to avoid personal liability.
Yes, most insurers offer 15-25% discounts for bundling auto and home policies. You can also save with good credit, claims-free history, defensive driving courses, home security systems, and certain home improvements like impact-resistant roofing. Ask your local agent about all available discounts—they can add up to significant savings.
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