Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 4 condo insurance agents in Osterville, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Hannon-Murphy Insurance
43 Parker Rd, Osterville, MA 02655
(508) 428-6919
hannonmurphy.com
Germani Insurance Agency
908 Main St, Osterville, MA 02655
(508) 428-9194
germaniinsurance.com
Leonard Insurance Agency
683 Main St B, Osterville, MA 02655
(508) 428-6921
leonardagency.com
Hahesy Insurance Agency
901 Main St Suite I, Osterville, MA 02655
(508) 771-3355
hahesyinsurance.com
What Does a Condo Insurance Agent in Osterville Cost?
The average annual premium for a condo insurance policy in Massachusetts ranges from 300 to 600 dollars for basic coverage. Coastal areas like Osterville may see higher rates due to wind and flood exposure, often between 500 and 900 dollars per year. Factors such as your unit value, deductible choice, and claims history affect the final price. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a condo insurance policy cover in Osterville Massachusetts?
A standard HO6 policy covers your personal belongings, interior fixtures, and improvements you make to your unit. It also provides liability protection if someone is injured inside your condo. Massachusetts law requires the condo association to insure the building structure, so your policy focuses on your personal property and any upgrades you have made.
Do I need flood insurance for my Osterville condo?
Osterville is a coastal community, so flood insurance is strongly recommended even if your condo association has a master flood policy. Standard condo insurance does not cover flood damage. You may need a separate policy through the National Flood Insurance Program or a private carrier to protect your personal belongings and unit improvements.
How does loss assessment coverage work for Massachusetts condo owners?
Loss assessment coverage pays your share of a special assessment from the condo association after a covered loss. For example, if a storm damages the building roof and the association insurance deductible is high, the association may charge each owner a fee. Your HO6 policy can cover up to your chosen limit for these assessments.