Lapointe Insurance
10 North Main Street, 1st Floor, Suite 1, Fall River, MA 02720
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Fall River households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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10 North Main Street, 1st Floor, Suite 1, Fall River, MA 02720
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10 N Main St, Ste 1, Fall River, MA 02720
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10 North Main Street, 1st Floor, Suite 1, Fall River, MA 02720
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1468 Pleasant St, Fall River, MA 02723
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1320 N Main St, Fall River, MA 02720
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41 Reservoir St, Fall River, MA 02723
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1228 Pleasant St., Fall River, MA 02723
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411 Columbia Street, Fall River, MA 02721
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155 North Main Street, Fall River, MA 02720
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1000 North Main Street, Fall River, MA 02720
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Learn about insurance coverage options specific to Fall River residents.
Fall River homeowners pay $1,625/year for insurance. Learn about nor'easter coverage, flood risks, historic mill conversions, and how to protect your home.
Car InsuranceFall River auto insurance averages $1,529/year. Learn about MA's 25/50/30 minimums (effective July 2025), PIP coverage, and Route 24 driving risks.
General Insurance EducationFall River insurance rates, 2025 auto coverage changes, flood risks, and South Coast considerations. Get local quotes and protect your property.
Car InsuranceFall River drivers pay $1,800-$2,400/year for car insurance. Learn what affects your rate on MA's South Coast and how to save $500+ annually.
If you live near the Taunton River, in a low-lying area, or anywhere that experiences street flooding during heavy rain, yes—you absolutely need flood insurance. Standard homeowners policies don't cover flood damage, and Fall River has documented drainage issues that cause regular flooding. Flood insurance through the National Flood Insurance Program typically costs $400-$1,000 per year and takes 30 days to activate, so don't wait until a storm is forecasted.
Fall River homeowners pay about $1,625 per year compared to the state average of $1,320 because of three main factors: coastal location with exposure to nor'easters and storm damage, very old housing stock (median built in 1945) that's more expensive to repair or rebuild, and documented flooding issues from inadequate storm drainage. Your specific rate depends on your home's age, location, and condition.
If you own a condo unit in a converted mill, you need an HO-6 condo policy, not a standard homeowners policy. The building's master policy covers the structure and common areas, while your policy covers your personal belongings, interior improvements, and liability. Make sure you understand whether your building uses a 'walls-in' or 'walls-out' approach to determine where the master policy ends and your coverage begins.
Yes, but with important limitations. Your standard policy covers wind damage (roof damage, siding torn off, trees falling on your house) and water damage if rain is driven through your roof or windows by wind. However, if water enters from the ground up during flooding, that requires separate flood insurance. Many Fall River homeowners learned this the hard way during storms that overwhelmed the city's drainage system.
Massachusetts offers the MPIUA (Massachusetts Property Insurance Underwriting Association), also called the FAIR Plan, which serves as the insurer of last resort. If private insurers decline coverage—often because of old electrical or plumbing systems, multiple claims, or high-risk locations—the FAIR Plan ensures you can still get coverage to meet mortgage requirements. It's typically more expensive than private insurance, but it's better than being uninsured.
No, Massachusetts has no law requiring homeowners insurance. However, if you have a mortgage, your lender will require it. The good news is that Massachusetts law protects you—lenders cannot force you to use a specific insurer or require you to insure your home for more than its replacement cost, so you're free to shop around for the best rates.
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