Dolan & Maloney Insurance Agency, LLC
141 Turnpike Rd, Westborough, MA 01581
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141 Turnpike Rd, Westborough, MA 01581
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200 Friberg Parkway, Suite 2002, Westborough, MA 01581
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45 East Main St, Suite 9, Westborough, MA 01581
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16 East Main St, Westborough, MA 01581
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Learn about insurance coverage options specific to Westborough residents.
Complete insurance guide for Westborough, MA. Learn about 2025 auto minimums, protecting $689K+ homes, and coverage for tech corridor residents.
Car InsuranceComplete guide to auto insurance in Westborough, Massachusetts. Understand new 2025 minimums, no-fault coverage, and how I-90/I-495 location affects rates.
As of July 1, 2025, Massachusetts requires $25,000 per person and $50,000 per accident for bodily injury, $30,000 for property damage, $8,000 for personal injury protection (PIP), and $25,000/$50,000 for uninsured motorist coverage. These are the first changes since 1988, but most Westborough drivers should carry significantly higher limits given the area's affluence and traffic patterns.
No, Massachusetts does not legally require homeowners insurance, but your mortgage lender will mandate it as a condition of your loan. Given that Westborough's median home value is around $689,000, adequate coverage is essential to protect your investment from fire, theft, liability claims, and other covered perils.
Standard homeowners policies exclude flood damage entirely. While not all Westborough properties are in high-risk flood zones, the area's location at a major highway interchange with drainage systems means flood risk exists. A flood policy typically costs $400-$700 annually for lower-risk properties and provides coverage that your homeowners policy won't.
Umbrella insurance provides $1-5 million in additional liability coverage that sits on top of your auto and homeowners policies. For $150-$300 per year, it protects you when claims exceed your standard policy limits—critical in an affluent area like Westborough where lawsuits can easily surpass typical $300,000 liability caps. It also covers claims like libel and slander that standard policies exclude.
Standard homeowners policies limit coverage for business property and may exclude business-related claims entirely. If you work from home—common in Westborough's tech corridor—you need either an in-home business endorsement or a separate business owner's policy to cover your equipment, liability, and business interruption. Without this coverage, claims related to your business activities will likely be denied.
Drivers carrying minimum coverage can expect premiums to increase approximately 36% due to the new higher limits that took effect July 1, 2025. This is the first increase to Massachusetts compulsory minimums since 1988, reflecting decades of inflation in medical costs, vehicle repairs, and legal settlements. Higher coverage limits beyond the minimums will also see proportional increases.
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