Somerville Homeowners Insurance

Somerville homeowners insurance policyholders have the advantage of living just north of Boston, so there is demand for homes near one of the United States' major cities. Somerville homeowners insurance can cost just over a thousand dollars per year. Being aware of the trials and tribulations of Massachusetts homeowners is important to anyone looking to have both the hustle and bustle of Boston and the idyllic suburbia that resides near the land of Paul Revere and Faneuil Hall. A short trip on Boston's mass transit system can shuttle a homeowner back and forth fairly quickly

So while any number of prospective Somerville homeowners would leap at the chance to live in the area, it's important to know what's out there to trip up anyone looking for a good home in Somerville. New England has its fair share of violent weather year-round, and the proximity of Somerville to the Charles River means the possibility of serious flood issues. So before you start dreaming of days in Boston and beautiful Massachusetts weekends, here's a look at the issues you need to be aware of as a potential Somerville homeowners insurance policy owner.

Taking Care of Charles: Flood Protection

Somerville homeowners insurance policyholders have the specter of the Charles River to deal with. The MA town is located just north of the river, so flood insurance is essential for homeowners in the general area. While standard policies don't cover floods, protection is available separately. Most estimates say that more than a quarter of flood insurance claims come from areas deemed low-risk. As a prospective homeowner, it stands to reason that living as close to the Charles River as Somerville homeowners insurance policyholders do means that there will be more flood insurance claims. Here's some tips to prepared, just in case Mother Nature acts up.

There are repairs you can do around the house in preparation for a flood hazard. If your roof leaks when the spring thaw comes, it can be easily fixed with the addition of a rubber roof underlayment beneath the structure's shingles. While the cost averages a few hundred dollars, it can also extend the life of the roof, which also raises the value of your home. It's very handy when major rainstorms hit during the summer, as they normally do in MA. Another inexpensive investment would be the purchase of a battery-powered sump pump. They're especially handy if the power goes out (inevitable in the summertime) and there's an area of the house that needs to be dried. Not to mention the usual springtime fixes, like cleaning out gutters and storm drains. Simple home projects have a way of paying off in the long run through increased savings, so keep that in mind..

As for the cost to the homeowner, it's estimated that any policy that costs over $300 per year will cover you for close to $100,000 in damages. As less than 30 percent of local homes are covered under federal disaster plans, getting a separate homeowners insurance policy isn't just good foresight, it's essential in the area. If the worst case scenario occurs, it's best to have all your bases covered as a policyholder, no matter what the hazard. Plus, having a separate flood insurance policy means that you get paid even if a federal disaster isn't declared. Essentially, you'd get paid for your Somerville homeowners insurance policy even if the worst case scenario doesn't happen. So, it's worth getting a Somerville homeowners insurance policy, even if it is just for a really rainy day in Somerville.

Other Possible Problems and Protection

Somerville is in the heart of the state, so that means the area is ripe for the extremes of a New England weather year. Massachusetts is just like any other state in the Northeast when it comes to weather. Extremes are standard operating procedure here: brutal winters, scorching summers. To protect you, your family and the homeowners insurance investment, there are other household improvements you can make that will not only give everyone piece of mind but can also lower the cost of a Somerville homeowners insurance policy. Possibilities can range from a simple installation of shutters on your windows to painting the roof with a heat-resistant mixture can keep the broiling summer heat out, and lower the insurance costs in your Somerville home when the winter storms hit New England as well.

This is especially true during the winter where the lowered energy costs can really come into play. A good quality roof can keep homeowners from cranking the heat to obnoxious levels just to stay warm and away from the chilly temperatures outside. The winter weather outside may be frightful at Christmas time, but Somerville homeowners insurance policyholders can stay nice and delightful indoors year-round with these tips.

safe secure