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Showing 2 condo insurance agents in Harvard, 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.
D. Francis Murphy Insurance Agency
276 Ayer Rd, Harvard, MA 01451
(978) 772-0070
dfmurphy.com
Nikopoulos Insurance
206 Ayer Rd, Harvard, MA 01451
(978) 456-9700
nikinsurance.com
What Does a Condo Insurance Agent in Harvard Cost?
Typical condo insurance costs in Massachusetts range from 200 to 600 dollars per year for a standard HO-6 policy. Factors include the unit value coverage limits deductible and location in Harvard. Loss assessment coverage and high-value personal property add to the premium. This is general information 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 agent in Harvard do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property interior fixtures and liability. They review your associations master policy to identify gaps in coverage. They also advise on loss assessment coverage for shared building repairs.
Is condo insurance required in Massachusetts?
Yes most Massachusetts condominium associations require individual unit owners to carry an HO-6 policy. This is often a condition of the loan for financed units. Even without a requirement it protects your personal belongings and provides liability coverage.
How does Massachusetts master policy affect my condo insurance?
The master policy covers the building structure and common areas. Your individual policy covers everything inside your unit from the walls in. Massachusetts law allows associations to choose between bare walls and all-in master policies which changes what you need to insure.