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Directory of home insurance agents in Chatham, Massachusetts. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Chatham, MA
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 home insurance agents in Chatham, 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.
Cape Wide Insurance Inc
1685 Main St, Chatham, MA 02633
(508) 945-5244
capewideinsurance.com
Curtis Insurance Agency
128 Wood Carver Knoll, Chatham, MA 02633
(508) 375-3312
Eldredge & Lumpkin Insurance
697 Main St, Chatham, MA 02633
(508) 945-0393
elinsurance.com
William Raveis Real Estate - Chatham
Town Hall Square, 37 Cross St, Chatham, MA 02633
(508) 945-7777
raveis.com
Home insurance agents in Chatham Massachusetts help homeowners protect their properties against coastal risks like nor'easters and flooding. Massachusetts law does not require homeowners insurance but mortgage lenders typically do. Local agents understand the unique needs of Chatham homes including historic properties and seasonal rentals.
What Does a Home Insurance Agent in Chatham Cost?
The average cost of homeowners insurance in Massachusetts is around $1,200 to $1,800 per year for a typical single-family home. In Chatham coastal properties may cost more due to higher wind and flood exposure. Premiums vary based on home value construction type and deductible chosen. 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 home insurance agent in Chatham do?
A home insurance agent in Chatham helps you compare policies from different insurers. They explain coverage options for windstorm damage and flood risks common on Cape Cod. They also assist with filing claims and adjusting coverage as your needs change.
Do I need flood insurance for my Chatham home?
Standard Massachusetts homeowners policies do not cover flood damage. If your home is in a FEMA flood zone your mortgage lender will require flood insurance. A local agent can help you obtain a separate flood policy through the National Flood Insurance Program or private insurers.
How do Massachusetts insurance laws affect my policy?
Massachusetts requires insurers to offer coverage for fire lightning and windstorm as part of standard policies. The state also has a Fair Access to Insurance Requirements plan for homeowners who cannot get coverage elsewhere. Your agent can explain these protections and how they apply to your Chatham property.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.