Borden Insurance Agency
960 Kempton St, New Bedford, MA 02740
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960 Kempton St, New Bedford, MA 02740
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962 Kempton Street, New Bedford, MA 02740
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700 Pleasant St, New Bedford, MA 02740
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811 Ashley Boulevard, New Bedford, MA 02745
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195 Kempton St P O Box 1901, New Bedford, MA 02741
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195 Kempton St, New Bedford, MA 02741
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4 Welby Rd, Ste 101, New Bedford, MA 02745
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96 Rockdale Ave, New Bedford, MA 02740
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1847 Acushnet Ave, New Bedford, MA 02746
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949 Ashley Blvd, New Bedford, MA 02745
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Learn about insurance coverage options specific to New Bedford residents.
New Bedford homeowners face unique coastal risks. Learn about insurance costs, flood coverage requirements, hurricane protection, and finding the right policy.
General Insurance EducationComplete insurance guide for New Bedford, MA residents. Learn about 2025 auto insurance changes, coastal flood coverage, and protecting your South Coast home.
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Yes, most likely. Standard homeowners insurance doesn't cover flood damage at all. If you have a mortgage on a property in a FEMA high-risk flood zone, your lender will require separate flood insurance. Even if you're not required to carry it, flood insurance is worth considering given New Bedford's coastal location and nor'easter exposure. Policies typically cost between $400 and $2,000 annually depending on your flood zone.
New Bedford homeowners typically pay close to the state average of around $2,008 per year for standard coverage. However, coastal properties often pay higher premiums than inland Massachusetts homes due to hurricane and nor'easter exposure. Waterfront properties and homes requiring high dwelling coverage can see premiums ranging from $2,500 to $3,500 or more annually when you factor in higher wind deductibles and flood insurance requirements.
A wind and hail deductible is a separate, higher deductible that applies specifically to damage from hurricanes, tropical storms, and severe wind events. In coastal areas like New Bedford, insurers typically require these deductibles, which are calculated as a percentage of your dwelling coverage—usually 1% to 5%. If your home is insured for $300,000 with a 2% wind deductible, you'll pay the first $6,000 out of pocket for wind damage before insurance coverage begins.
The hurricane barrier provides excellent protection for properties within its coverage area, which spans about 1,400 acres across New Bedford, Fairhaven, and Acushnet. While this protection is valuable, it doesn't automatically guarantee lower insurance rates. Your premium depends on multiple factors including your home's age, proximity to water, flood zone designation, and claims history. However, homes behind the barrier may have better access to coverage compared to properties in more exposed coastal areas.
Generally, yes. Historic properties often require specialized materials, skilled craftsmen, and adherence to preservation standards for repairs, which increases rebuilding costs. Older homes also typically cost about $900 more annually to insure than newer construction in Massachusetts. If you own a historic home, make sure your policy includes adequate replacement cost coverage that accounts for period-appropriate restoration rather than standard modern construction costs.
Many national insurance carriers are reducing their exposure in coastal areas nationwide due to increasing hurricane risks, rising claim costs, and climate change concerns. Some companies are canceling existing policies or refusing to write new ones for properties within a certain distance of the coast. This doesn't mean coverage is unavailable, but it does mean working with local independent agents who know which carriers are still actively writing coastal policies in the New Bedford area is essential.
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