Get The Right Coverage for Your Agawam Home
Agawam’s location on the southwest side of Springfield attracts residents who desire the amenities of a metropolitan area but with lower crime rates and a quieter environment. The health industry is the biggest employer in the city, followed by education, finance and insurance. The housing market is trending upward, but the average price to purchase a home is significantly lower than the state average. The city provides new residents with numerous benefits, making it an appealing location to buy a house. If you are a new homeowner looking for Agawam home insurance, make sure you understand the potential risks you may encounter.
Agawam Homeowner Risks and Vulnerabilities
The New England states are known for their picturesque falls and blustery winters. This temperate environment has four distinct seasons, and each of them comes with associated weather risks. Tropical storms, hurricanes, severe thunderstorms, blizzards, and tornadoes are all possible. Recent severe weather events, such as the remnants of Hurricane Ida and Hurricane Irene, demonstrate the impacts storms can have in this region. Homeowners are also vulnerable to non-weather-related hazards. Your home faces exposure risks for:
- Property crimes: The property crime rates in the city are slightly higher than the state average but lower than the average for Springfield. Ensure you are adequately protected with an alarm system and the right Agawam home insurance policy.
- Flooding events: The Connecticut River forms the city’s eastern border, placing residents in that area at risk for flooding. Furthermore, Agawam is predicted to experience more severe weather due to climate change. These factors increase homeowner vulnerability.
- High winds: Though this region is considered at low risk for tornadoes, they do occur, as do straight-line winds. Make sure you obtain sufficient coverage for wind damage.
- House fires: Every homeowner is at risk for a house fire. Preventative measures paired with sufficient insurance can reduce a homeowner’s vulnerability to significant losses from a house fire.
When looking for Agawam home insurance, find a policy that covers you for the risks you face.
Essential Coverages for Agawam Homes
HUB’s dedicated brokers can help you find the right home insurance. We leverage our strong relationships with leading providers to procure policies that meet your home’s unique needs at affordable rates. We also look for policies that provide liability coverage, as well as home replacement value for catastrophic events.
Additional Agawam Homeowner Considerations
With this area’s potential exposure to flooding events, we recommend you consider procuring flood insurance, depending on the specific location of your home. Severe weather in recent years led to significant flood damages for area homeowners, and these types of events may become more prevalent in the future. Flood insurance is not covered by a standard Agawam home insurance policy; this would be an additional coverage you should discuss in detail with your broker.
The risk for events that can lead to significant losses for homeowners is high enough to warrant consideration for additional personal possession protection. Though we seek out policies that offer higher personal possession limits, you may require additional coverage to replace valuables and personal content in your homes should you experience a catastrophic event.