Home insurance in Hingham, Massachusetts

Hingham houses don’t fit a quote form

A lot of Hingham homes are hard for an online quote form to get right:

• Antique and older homes off Main Street
• Capes and colonials that have been added onto or renovated
• Houses close enough to the water that insurance companies ask more questions

These homes need someone to look at the details: the roof, the wiring, the heat, and what it would really cost to rebuild. That’s what we do.

Homes near the water

If your house is near the harbor, Crow Point, World’s End or the Weir River, three things come up:

• The wind deductible. Many companies use a separate, higher deductible for wind damage on homes near the coast. We’ll show you what yours would be before you buy.
• Distance to the water. It decides which companies will write the house and what they charge.
• Flood. Flood damage is not part of a standard home policy. It’s a separate policy, usually through the National Flood Insurance Program. If your lender requires one, or you want one, we’ll quote it.

We write coastal homes with many companies, including national specialty insurers that focus on the coast. If a house doesn’t fit any of them, there’s still the Massachusetts FAIR Plan (MPIUA). Our FAIR Plan guide explains when that makes sense.

What sets the price

• What it would cost to rebuild the house, not what it would sell for. Those two numbers can be far apart.
• The age and condition of the roof.
• The deductibles you choose, including the wind deductible.
• Past claims, on the house and on you.

We go through each one with you, so the price makes sense before you buy.

How we shop it

Send us the address and your current policy. We compare everyday insurers and national specialty insurers and come back with what each will offer. When your renewal comes in higher than you expected, we shop it again, so you don’t have to start over somewhere else.

Condo owners

If you own a condo at Hingham Shipyard, on Lincoln Street or in one of the newer buildings, your policy has to fit the association’s master policy. Our Hingham page explains what to check.

More on our site

• Coastal homes guide ›
• The FAIR Plan, explained ›
• Insurance in Hingham: everything else we write in town ›
• Get a quote ›