Bonacorso Insurance Inc.
10 Cedar St Unit, #32, Woburn, MA 01801
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10 Cedar St Unit, #32, Woburn, MA 01801
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636 Main St, Woburn, MA 01801
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629 Main St, Woburn, MA 01801
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15 Cabot Rd, Woburn, MA 01801
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445 Main Street, Suite 1, Woburn, MA 01801
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Learn about insurance coverage options specific to Woburn residents.
Woburn home insurance costs $1,500-$2,250/year. Learn about nor'easter risks, flood coverage, and how to protect your Middlesex County home.
Car InsuranceNavigate Woburn's new auto insurance minimums (25/50/30), no-fault system, and I-93/I-95 traffic risks. Get coverage tips for Middlesex County drivers.
Most Woburn homeowners pay between $1,500 and $2,250 annually for home insurance, depending on their home's age, value, and coverage levels. Massachusetts averages around $1,595 to $2,251 per year, which is about 24% below the national average. Older homes in established neighborhoods typically face higher premiums due to outdated systems, while newer properties in corporate park areas often get lower rates.
No, standard home insurance policies do not cover flood damage from heavy rain, snowmelt, or nor'easters. You need separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. In Massachusetts, flood insurance typically costs between $700 and $1,200 annually, and there's a 30-day waiting period before coverage begins.
Woburn experiences nor'easters between October and May, which bring heavy snow, wind, rain, and potential flooding. While wind damage and rain driven through your roof are covered by standard policies, groundwater flooding is not. The city has experienced significant flooding events, including basement flooding in March 2010 that triggered a presidential disaster declaration.
The 80% rule means your insurance policy should cover at least 80% of your home's replacement cost (not market value). If you underinsure your home, the insurance company may only pay a portion of your claim, even for partial losses. For example, if your home costs $400,000 to rebuild but you only carry $200,000 in coverage, you'll face penalties when filing claims.
State Farm offers some of the lowest rates in Massachusetts at around $702 per year on average. Norfolk & Dedham, Amica, and Plymouth Rock also offer competitive rates. However, the cheapest option for you depends on your specific home, location, and coverage needs, so it's important to get quotes from multiple carriers and compare coverage levels, not just price.
Yes, flood insurance is worth considering even outside designated flood zones. Nearly 25% of all flood claims come from moderate- to low-risk areas, and climate change is increasing the frequency of severe weather events in Massachusetts. Since standard home insurance doesn't cover flood damage and there's a 30-day waiting period for flood policies, it's better to have coverage before you need it.
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