Brunswick Home Insurance
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Home Insurance in a Beautiful City
Brunswick, Maine, is a place of beauty and history. Settled in 1628 and officially incorporated in 1739, it had a thriving fishing, shipbuilding and lumbering industry, thanks to its close location to the Androscoggin River. Today, there are various activities around the city, some that illustrate the history of the town as well as modern activities. History buffs can visit multiple museums, including the Joshua L. Chamberlain Museum and the Bowdoin College Museum of Art. Maine Street, with its many shops, allows you to shop for almost anything you could imagine. Having home insurance will enable you to enjoy your time at home and away with peace of mind.
Weather in Brunswick
Brunswick experiences a fair amount of moisture year-round. Summers are very warm and humid, while winters are cold and snowy. Brunswick is considered a moderate-risk hurricane zone, with 24 hurricanes since 1930. However, the most significant threat to homes comes from winter weather, as cold weather, heavy snow and ice can impact roofs, windows and pipes. Having Brunswick home insurance gives you the protection you need in these storms.
Brunswick Demographics and Crime
The average age of residents in Brunswick is about 42 years old, and the homeownership rate is about 68 percent. Brunswick is a low-crime area, with only one in 1,213 people becoming victims of a violent crime. This is much lower than the national average and lower than the state average. This is impressive because Maine has the lowest crime rate in the country. Property crimes are just one in 140, slightly higher than the state average but still much lower when compared to national averages. Despite the low crime risk, having home insurance is a great way to safeguard yourself if you become the victim of a crime.
Home Insurance Rates
The average cost of home insurance in Brunswick is about $1,425 a year. This is higher than the state average but on pace with the national average. Maine has the most affordable insurance in the Northeast due to the lower population density and low crime rate. Brunswick is a bit higher due to the higher cost of living, but still affordable. Using VIU by HUB can help you find the best rate for home insurance.
Things Insurance Covers
While it ultimately depends on your insurance policy, there are some general coverages your policy provides. Dwelling coverage covers your house and buildings attached to it, such as a garage. Other structures, such as a fence, shed or detached garage, will also be covered. Your belongings inside the house, from clothing to appliances, are covered. However, you want to ensure you have the appropriate coverage, as estimating the worth of everything in your home can be tricky. Liability protects you from lawsuits that might arise from someone getting hurt in your home or your property.
Lowering Insurance Rates
While some factors out of your control, such as home value and location, can impact your Brunswick home insurance rates, other personal factors come into play. Consider the following if you are looking to lower your insurance rate:
- Raise your deductible
- Improve your credit score
- Check your coverage amounts
- Bundle home and auto
- Look for discounts you might qualify for
Doing some of these things may lower your home insurance rate.
Brunswick home insurance is an essential part of home ownership. Ensuring you have the proper coverage to cover your home and belongings is crucial. Use VIU by HUB to compare rates and find the coverage that best suits your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.