Francis J Larovere Ins Agency Inc.
492 Broadway, Everett, MA 02149
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492 Broadway, Everett, MA 02149
View this agency's profile to learn more about their services.
475 Broadway, Everett, MA 02149
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Everett residents.
Everett homeowners face unique risks from rainfall, windstorms, and earthquakes. Get the right coverage at the best price with our expert guide.
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The average home insurance premium in Everett ranges from $1,200 to $2,000 annually, depending on your home's value, age, construction type, and coverage limits. Homes near the waterfront or in flood zones typically pay more due to increased weather-related risks. Your specific rate will also depend on factors like your deductible, credit score, and claims history.
No, standard home insurance policies exclude earthquake damage. You need to purchase separate earthquake coverage, which typically costs $800 to $3,000 annually in Everett with deductibles ranging from 10-25% of your coverage limit. Given Everett's proximity to the Cascadia Subduction Zone and Seattle Fault, earthquake insurance is worth considering if you couldn't afford to rebuild without it.
If your home is in a FEMA high-risk flood zone and you have a mortgage, flood insurance is mandatory. Even outside high-risk zones, flood coverage is worth considering since about 25% of flood claims come from moderate or low-risk areas. Standard home insurance doesn't cover flooding from storms, heavy rainfall, or storm surge, so flood insurance fills a critical gap for many Everett homeowners.
Common discounts include bundling home and auto insurance (15-25% savings), installing monitored security systems (5-15%), upgrading to impact-resistant roofing (10-20%), and raising your deductible (15-30%). You may also qualify for discounts for being claims-free for several years, having a newer home, or being a long-term customer with the same insurer.
Everett's persistent rainfall makes water damage the most common claim for homeowners. Your policy covers sudden water damage from events like burst pipes or storm damage, but excludes gradual damage from poor maintenance. Regular roof inspections, gutter cleaning, and promptly fixing leaks are essential both for protecting your home and ensuring claims aren't denied for lack of maintenance.
Always choose replacement cost coverage, which pays to rebuild your home at current construction costs without depreciation. Actual cash value coverage deducts depreciation, leaving you underfunded for repairs. In Everett, where construction costs run $150-$250 per square foot, replacement cost coverage ensures you can fully rebuild after a covered loss. Consider adding extended replacement cost coverage for an extra 25-50% cushion if disaster strikes.
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