Congress Insurance Agency, Inc.
131 Broad St, Lynn, MA 01901
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131 Broad St, Lynn, MA 01901
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317 Broadway, Lynn, MA 01904
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365 Boston St, Lynn, MA 01905
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Learn about insurance coverage options specific to Lynn residents.
Complete insurance guide for Lynn, Massachusetts residents. Learn about 2025 auto requirements, coastal flood risks, homeowners coverage, and North Shore protection.
Car InsuranceLynn auto insurance averages $2,300-$2,400/year. Learn Massachusetts' 2025 coverage changes, PIP requirements, and how to save on North Shore premiums.
As of July 2025, Massachusetts requires 25/50/30 coverage: $25,000 per person and $50,000 per incident for bodily injury liability, $30,000 for property damage liability, $25,000/$50,000 for uninsured motorist bodily injury, and $8,000 for personal injury protection (PIP). These limits increased for the first time in nearly 40 years and typically raise minimum coverage premiums by about 36%.
Yes, flood insurance is highly recommended for Lynn residents due to the city's coastal location on the North Shore. Lynn is identified as one of the most vulnerable areas along the Massachusetts coast for storm surge flooding and sea level rise. Standard homeowners policies don't cover flooding, and even properties outside designated flood zones can experience flood damage. If you have a federally backed mortgage in a flood zone, it's required.
Massachusetts homeowners insurance averages between $1,226 and $2,432 annually depending on coverage levels, which is below the national average. However, coastal properties in Lynn typically pay higher premiums due to hurricane and storm surge risks. Your actual cost depends on your home's value, location, claims history, and chosen coverage limits. Homes with one recent claim average $1,850 per year—16% higher than claims-free homes.
Renters insurance covers your personal belongings, liability protection if someone is injured in your rental unit, and additional living expenses if your apartment becomes uninhabitable due to covered events like fire or water damage. It typically costs $15-30 monthly and is essential since your landlord's insurance only covers the building structure, not your possessions or liability.
Since 2008, Massachusetts has operated under a managed competition framework that allows insurance companies to set their own rates rather than using fixed state-mandated pricing. This means different insurers can charge significantly different amounts for identical coverage. Shopping around and comparing quotes from multiple carriers is the most effective way to find competitive rates for your specific situation.
Your dwelling coverage should be based on replacement cost—what it would cost to rebuild your home from the ground up—not your home's market value. With Lynn's median home values between $509,000 and $600,000 and fluctuating construction costs, work with your insurance agent to calculate accurate replacement cost coverage. Many homeowners are underinsured because they base coverage on purchase price rather than current rebuilding costs.
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