Excel Nursing Services
4 Stony Hill Rd, Wilbraham, MA 01095
View this agency's profile to learn more about their services.
Loading...
City directory
Wilbraham 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.
4 Stony Hill Rd, Wilbraham, MA 01095
View this agency's profile to learn more about their services.
2341 Boston Rd, Wilbraham, MA 01095
View this agency's profile to learn more about their services.
85 Post Office Park, Wilbraham, MA 01095
View this agency's profile to learn more about their services.
40 Post Office Park, Box 207, Wilbraham, MA 01095
View this agency's profile to learn more about their services.
40 Post Office Park, Unit 207, Wilbraham, MA 01095
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Wilbraham residents.
Complete guide to auto, home, and flood insurance in Wilbraham, Massachusetts. Learn about 2025 rate changes, local risks, and how to save on coverage.
Home InsuranceWilbraham homeowners pay ~$1,232/year for insurance. Learn about tornado coverage, nor'easter risks, flood protection, and how to get the right policy.
Car InsuranceMassachusetts raised minimums to 25/50/30 in 2025. Learn what Wilbraham drivers need beyond state requirements for Route 20 commutes.
As of July 1, 2025, Massachusetts requires $25,000 per person and $50,000 per accident for bodily injury coverage, $30,000 for property damage liability, and $8,000 for personal injury protection (PIP). These minimums increased significantly from the previous limits that had been in place since 1988, with property damage coverage jumping from just $5,000 to $30,000.
Homeowners in Wilbraham typically pay between $1,500 and $2,250 annually for a standard home insurance policy with $350,000 in dwelling coverage. This is below the national average of $2,777, making Massachusetts relatively affordable for home insurance. However, rates vary significantly based on your home's age, condition, claims history, and specific location within Wilbraham.
Yes, you should seriously consider it. Standard homeowners policies don't cover flood damage, and more than 20% of flood insurance claims come from areas outside high-risk flood zones. Wilbraham experiences significant snowfall and spring thaws that can cause flooding, and just one inch of water can cause $25,000 in damage. Flood insurance through NFIP typically costs a few hundred dollars annually and has a 30-day waiting period, so don't wait until spring to buy coverage.
The best approach is to get quotes from both. Local agents understand Hampden County's specific risks and can provide personalized service, especially valuable when filing claims. However, online carriers sometimes offer lower rates or different coverage options. Get quotes from at least three sources—a local independent agent, a direct online carrier, and a national broker—then compare not just price but coverage limits, deductibles, and customer service reputation.
An umbrella policy provides additional liability coverage beyond your auto and home insurance limits, typically $1 million or more. It protects your assets if you're sued after a serious accident where damages exceed your primary policy limits. For Wilbraham residents with the area's median household income of $124,004, an umbrella policy costs just $200-300 annually and provides significant peace of mind and financial protection against catastrophic liability claims.
Bundle your auto and home insurance with the same carrier to save 15-25%, increase your deductible if you have emergency savings to cover it, and shop around every 2-3 years since rates vary dramatically between carriers. Also ask about discounts for being claims-free, having home security systems, paying annually instead of monthly, and maintaining good credit. Finally, review your coverage annually to ensure you're not paying for coverage you don't need or missing discounts you've become eligible for.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network