Columbia Basin Insurance
21 D Street Southwest, Suite A, Quincy, WA 98848
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21 D Street Southwest, Suite A, Quincy, WA 98848
View this agency's profile to learn more about their services.
13 C St SW, Quincy, WA 98848
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Quincy residents.
Quincy home insurance averages $1,200-$1,800/year. Learn about nor'easter protection, flood insurance discounts, and coverage for historic South Shore homes.
Car InsuranceQuincy drivers pay $115-118/month for auto insurance. Learn Massachusetts no-fault requirements, local rates, and how to save on your premium.
General Insurance EducationComplete insurance guide for Quincy residents. Learn about MA no-fault requirements, 2025 coverage changes, coastal flood risks, and how to save money.
Car InsuranceQuincy drivers pay $118/month on average for car insurance. Learn how MA's no-fault system affects rates and how to save up to 25% with bundling.
No, standard homeowners insurance does not cover flood damage from nor'easters, storm surge, or heavy rainfall. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private carrier. If you're in a Special Flood Hazard Area in Quincy—like North Quincy, Adams Shore, or South Quincy—your mortgage lender likely requires flood insurance. The good news is Quincy offers a 15% discount on flood insurance premiums through the Community Rating System.
Quincy homeowners typically pay between $1,200 and $1,800 annually for home insurance, with an average around $1,478 for a standard home. However, your actual cost depends on your home's location, age, value, and proximity to the coast. Homes within 1,500 feet of the coastline pay significantly more due to wind and storm-surge risk. Local insurers like Quincy Mutual offer competitive rates averaging $860-$917 per year, well below the Massachusetts state average of $2,008.
If your Quincy home was built before 1975 and retains its original character, you may need specialized coverage. Historic homes typically cost 20-40% more to insure because they're more expensive to rebuild with period-appropriate materials and craftsmanship. For homes over 100 years old, consider an HO-8 policy designed specifically for historic properties, which can make coverage more affordable while still protecting against major losses. Make sure your coverage limits accurately reflect the higher replacement costs for historic homes.
Flood insurance covers damage from natural water events like nor'easters, storm surge, and heavy rainfall that causes flooding. Water backup coverage (also called sewer backup coverage) protects you when water backs up through your drains and toilets, typically from overwhelmed sewage systems during heavy rain. In Quincy, you likely need both—flood insurance for coastal storm damage and water backup coverage as an endorsement on your homeowners policy for sewer-related issues.
Shop around and compare at least three insurers, including local options like Quincy Mutual which offers rates nearly 50% below the state average. Bundle your home and auto insurance for multi-policy discounts, increase your deductible to $1,000-$2,500 if you can afford it, and install monitored security and fire detection systems. Update aging electrical, plumbing, and heating systems to qualify for lower rates, and ask your agent about all available discounts including claims-free history, new home, and protective device discounts.
Yes, several Quincy areas have been designated as Special Flood Hazard Areas (SFHA), including North Quincy, Adams Shore, and South Quincy. These areas are expected to flood during a 100-year rainfall event, and mortgage lenders typically require flood insurance for properties in these zones. Quincy also has 500-year floodplains vulnerable to severe coastal storms. Check FEMA's flood maps or ask your insurance agent to determine if your specific property is in a flood zone.
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