D. Francis Murphy Insurance Agency
200 Main Street, Marlborough, MA 01752
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Marlborough households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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200 Main Street, Marlborough, MA 01752
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190 East Main St, Marlborough, MA 01752
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771 Boston Post Rd E, Marlborough, MA 01752
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158 Main St, Marlborough, MA 01752
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14A Winthrop Street, Marlborough, MA 01752
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190 Main St, Marlborough, MA 01752
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Learn about insurance coverage options specific to Marlborough residents.
Compare auto, home & life insurance in Marlborough, MA. Average rates, 2025 law changes, local agents & coverage tips for MetroWest residents.
Home InsuranceHome insurance in Marlborough, MA averages $1,733/year. Compare rates, understand flood risks, and learn how your home's age affects coverage costs.
Marlborough drivers typically pay around $98 per month for auto insurance, which is significantly below the national average of $168 per month. However, your specific rate depends on factors like your driving record, age, credit score, vehicle type, and annual mileage. With Massachusetts' managed competition system, rates vary widely between insurers, so shopping around with multiple carriers can save you hundreds annually.
In July 2025, Massachusetts increased minimum auto insurance coverage requirements for the first time since 1988. The new minimums require $25,000 per person and $50,000 per accident for bodily injury liability (up from $20,000/$40,000), plus $30,000 for property damage (up from $5,000). This resulted in an average 36% increase in minimum coverage costs, bringing basic annual premiums to around $711 statewide.
Marlborough has a moderate flood risk designation, meaning flood insurance isn't mandatory for most homeowners. However, the area is at risk from 500-year flood events, and standard home insurance doesn't cover flood damage. With severe weather becoming more unpredictable—some recent storms dumped over seven inches of rain in 24 hours regionally—purchasing a separate flood policy through the National Flood Insurance Program or a private insurer is worth considering for added protection.
Home insurance in Massachusetts averages between $2,008 and $2,251 annually, about $415 below the national average. For a standard policy with $300,000 in dwelling coverage and a $1,000 deductible, expect to pay around $133 per month or $1,595 yearly. MetroWest area rates can vary based on property value and proximity to Boston, with homes in nearby high-value communities potentially facing higher premiums.
Local independent agents offer distinct advantages over buying directly online. They can shop your coverage with multiple carriers simultaneously to find the best price and coverage combination, understand local risks specific to Marlborough and MetroWest, and provide personalized service when you need to file a claim or adjust coverage. Marlborough has six local agencies that work with numerous carriers, making it easy to get competitive quotes while benefiting from local expertise.
Massachusetts insurers offer various discounts that can significantly reduce your premiums. Bundling auto and home insurance with one carrier typically saves 15-25% on both policies. Other common discounts include safe driver programs that track your habits through an app (15-30% savings), good student discounts for teen drivers, higher deductibles (10-15% savings), and maintaining good credit. Ask your agent about all available discounts specific to your situation and carriers.
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