Center Insurance Agency
171 Washington Street, North Easton, MA 02356
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171 Washington Street, North Easton, MA 02356
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163 Washington St, Suite 5, North Easton, MA 02356
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167 Washington St, North Easton, MA 02356
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105 Washington St, Ste 6, North Easton, MA 02356
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105 Washington St., Ste. 6, North Easton, MA 02356
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Learn about insurance coverage options specific to North Easton residents.
North Easton's historic homes need specialized coverage. Learn about guaranteed replacement cost, ordinance coverage, and rates for Richardson-era properties.
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North Easton homeowners typically pay around $1,518 per year for home insurance, which is the Massachusetts state average. However, if you own a historic home built before 1920, expect to pay 20-40% more due to the specialized materials and craftsmanship required for repairs. Your actual rate depends on your home's age, condition, recent updates, and the coverage limits you choose.
Yes, historic homes require specialized coverage that standard policies don't provide. You need guaranteed or extended replacement cost coverage to rebuild with period-appropriate materials, plus ordinance or law coverage to handle the costs of bringing your home up to modern building codes after a covered loss. Homes built before 1975 that maintain their architectural integrity may qualify for HO-8 policies specifically designed for older properties where replacement cost exceeds market value.
Ordinance or law coverage pays for the cost of bringing your home up to current building codes after a covered loss. If a fire damages 60% of your historic North Easton home, building inspectors will require you to upgrade electrical, plumbing, and other systems to 2026 standards during the rebuild. These mandatory upgrades can cost $50,000-$100,000 or more, and standard policies don't cover them without this endorsement.
Only if you have guaranteed or extended replacement cost coverage. Standard policies might pay to replace damaged stonework with modern materials, but they won't cover the specialized stonemasons and historical craftspeople needed to match H.H. Richardson's Romanesque style. Make sure your policy specifically states it will restore—not just replace—historic architectural features, and get this in writing from your insurer before you buy.
If standard insurers won't cover your home due to age or condition issues, Massachusetts offers the FAIR Plan as a last resort option. This state program provides basic property coverage for homes that can't obtain insurance in the standard market. The coverage is more limited and can be more expensive, but it protects you while you make necessary improvements to qualify for traditional insurance.
Always insure for replacement cost, not market value, especially in North Easton where many historic homes would cost significantly more to rebuild than they're worth on the market. With median home prices at $685,000, your home might sell for that amount, but rebuilding it with period-appropriate materials could easily cost $850,000 or more. Use a professional appraiser who understands historic properties to determine the correct rebuild value.
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