Harry L. Bubb Associates
70 E Forrest Ave, Shrewsbury, PA 17361
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Shrewsbury households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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70 E Forrest Ave, Shrewsbury, PA 17361
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Shrewsbury residents.
Shrewsbury home insurance guide covering nor'easter risks, Lake Quinsigamond properties, and coverage for diverse housing. Get quotes and save today.
Possibly. About 25% of flood insurance claims come from moderate-to-low risk areas, and standard homeowners policies never cover flood damage regardless of where you live. With FEMA recently raising flood elevations for Lake Quinsigamond from 358.8 to 364.1 feet, risk zones have shifted. Even if you're not in a high-risk area, getting a quote costs nothing and helps you understand your actual exposure. Flood policies average $1,078 to $1,435 annually in Massachusetts.
The new minimum coverage requirements taking effect July 1, 2025, could increase average minimum premiums by about 36%, or roughly $255 per year for bare-bones coverage. The biggest change is property damage liability jumping from $5,000 to $30,000 per accident. If your policy renews after July 1, you'll automatically get the higher limits and see the rate increase. This is an excellent time to shop around and compare quotes from multiple carriers.
Local independent agents offer significant advantages in Shrewsbury, especially regarding Lake Quinsigamond flood risks and Worcester County's specific challenges. They can quote multiple carriers at once, help you understand the 2025 coverage changes, and recommend appropriate coverage levels based on real local experience. Oak Tree Insurance, Murphy Insurance, Mancuso-Nowak, and other local agencies have decades of combined experience serving this community.
Worcester County homeowners typically pay between $1,575 and $1,788 annually for standard homeowners insurance, averaging around $1,681 per year. This works out to roughly $135 to $149 monthly. Your actual cost depends on your home's value (Shrewsbury's median is $555,500), coverage limits, deductibles, and discounts. Inland locations like Shrewsbury generally have lower rates than coastal Massachusetts communities.
Absolutely, and you should. Most carriers offer 15% to 25% discounts when you bundle auto and home policies. With Worcester County averages of $3,036 for auto and $1,681 for home insurance, bundling could save you $700 or more annually. Also ask about discounts for home security systems, newer roofs, claims-free history, and good students—these stack up quickly.
Review your coverage at least annually, and definitely before your policy renews after July 1, 2025, when the new Massachusetts minimums take effect. Also review after major life changes like buying a home near Lake Quinsigamond, purchasing a new vehicle, or if FEMA flood maps change. Insurance rates vary significantly between carriers for identical coverage, so shopping around every year or two can save you hundreds of dollars.
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