Hays Insurance Agency
36 Hawthorne Ave, Methuen, MA 01844
View this agency's profile to learn more about their services.
City directory
Methuen households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
36 Hawthorne Ave, Methuen, MA 01844
View this agency's profile to learn more about their services.
156 Haverhill Street, Methuen, MA 01844
View this agency's profile to learn more about their services.
147 Lowell St, Methuen, MA 01844
View this agency's profile to learn more about their services.
95 Ayer Street, Methuen, MA 01844
View this agency's profile to learn more about their services.
302 Broadway, Ste 2, Methuen, MA 01844
View this agency's profile to learn more about their services.
13 Branch St, Unit 215, Methuen, MA 01844
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Methuen residents.
Methuen homeowners pay $1,518/year on average for insurance. Learn about flood risks near Merrimack River, triple-decker coverage, and how to save money.
Car InsuranceMethuen drivers need 25/50/30 coverage plus PIP. Learn about MA's at-fault system, I-93 risks, and how to save on car insurance in the Merrimack Valley.
Massachusetts doesn't require homeowners insurance by law, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, insurance protects you from catastrophic financial loss if fire, storms, or other disasters damage your property. Given Methuen's median home value of nearly $600,000, going without coverage puts your entire investment at risk.
No, standard homeowners insurance policies specifically exclude flood damage caused by rising water from rivers, streams, or heavy rainfall. Given Methuen's location along the Merrimack River, you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Even if you're not in a high-risk flood zone, the 2006 flood event showed that unexpected flooding can happen.
Triple-deckers and multi-family homes typically cost more to insure than single-family homes because they're larger, more complex, and present greater liability exposure. If you rent out units, you'll likely need a landlord or dwelling fire policy rather than standard homeowners insurance. These policies cost more but provide appropriate coverage for rental operations, including protection against tenant-caused damage and lost rental income.
While specific Methuen data isn't published, Massachusetts homeowners pay an average of $1,518 annually for home insurance, well below the national average of $2,777. Your actual cost depends on your home's value, age, construction type, and proximity to flood zones. Shopping around can save hundreds—State Farm averages around $702 per year in Massachusetts while other insurers charge significantly more for identical coverage.
Older homes can face higher premiums or coverage restrictions due to outdated electrical, plumbing, heating, and roofing systems. Insurers worry about knob-and-tube wiring, galvanized pipes, and aging roofs that increase claim likelihood. However, updating these systems not only makes your home safer but often qualifies you for insurance discounts, potentially offsetting the renovation costs over time.
Yes, especially for older homes in established neighborhoods with aging sewer and drainage infrastructure. Water backup coverage protects you when drains or sewers back up and flood your home—damage that standard policies exclude. For a relatively small additional premium (often $50-150 annually), you get coverage that can save thousands when a backed-up sewer line floods your finished basement or first floor.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network