get a massachusetts homeowners insurance quote

When it comes your home, the less clutter, the better. When it comes to your bank account, however, you never want things to get too sparse. Not to worry: Depending on the insurer, Bay State residents could have multiple discount possibilities to help lower rates and keep that wallet nice and full, such as:

• Safety First discount for installing burglar or fire alarms
• Welcome Home discount just for moving to new digs
• Bundling discount for combining home and auto insurance

With a median value of $330,000 (almost double the national average), Massachusetts homes are more than just places to relax here and now — but also big investments for your family's future. Your castle is your most important asset, one you've worked long and hard for. That's what makes homeowners insurance so indispensable.

With dwelling coverage, you don't have to worry about a freak storm or fire wiping out your home's value in one fell swoop. You'll get the help you need to repair damage after covered losses and restore it to its former glory. And with liability protection and personal property coverage, you can also safeguard your belongings and savings in case of burglaries, injury lawsuits, and other risks.

Here's a pearl for you trivia enthusiasts: Massachusetts is home to America's oldest timber-frame house. The Fairbanks House, located in Norfolk County, is estimated at 375 years old and still standing tall. (Talk about sound construction!)

Now we're guessing (nay hoping) your own Massachusetts home isn't quite that old. But this historical landmark does underscore the challenge residents may face in the Old Colony State — one of the first to join the nation — of owning and insuring older homes.

While they may be magnificent, older homes can present some insurance issues, such as high rebuilding costs or lengthy damage claims histories. To help make sure you know all about that picturesque saltbox or Queen Anne address your considering, head to the Esurance Info Center to learn 7 key questions to ask before your purchase a house.