Revere, MA Home Insurance

By Jon Merwin, Founder and CEO

Home · Condo · Multi-Family · Flood · Umbrella · Revere, Massachusetts

Portsmouth Atlantic Insurance is an independent agency founded in 2005 and licensed in 10 states, including Massachusetts. We are the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews and over 2,000 testimonials across our two offices. If you are shopping for home insurance in Revere, MA, we compare each house across 40+ carriers. Start with Massachusetts homeowners insurance, or read on.

Revere at a glance

The city’s Hazard Mitigation Plan 2022 Update says Revere covers 10 square miles, or 6,400 acres. The U.S. Census Bureau estimates 60,141 residents as of July 1, 2025. The plan works with Chelsea and Winthrop on regional coastal planning and divides the shoreline into four areas: Beachmont, Point of Pines/Riverside, Oak Island/Revere Beach and Sales Creek.

For insurance, the plan’s repetitive loss list is mostly homes, 296 of 301 residential, many close to marsh and beach. Each should be insured at today’s cost to rebuild, not market value, and many need a flood policy.

Where you live in Revere changes the policy

• Point of Pines and Riverside. Except for high ground near the Route 1A on-ramp, the plan puts this whole area in the 100-year floodplain. It says Route 1A, Mills Avenue, Rice Avenue and Revere Beach Boulevard have had localized flooding, that residents have seen flooding and higher flood insurance rates, and that the Mills Avenue revetment and seawall is overtopped in storms.
• Oak Island and Revere Beach. The plan describes low-lying land in the 100-year floodplain with non-working flood gates and an old drainage system. It says the beach from Cary Circle to Eliot Circle is overtopped by waves at high tide and in surge events.
• Beachmont. The plan says beaches and streets such as Broad Sound Avenue are exposed to sea level rise and surge, and Pearl Avenue, Belle Isle Avenue, Winthrop Avenue and Bennington Street have flooded.
• Sales Creek. Almost entirely in the 100-year floodplain between the Chelsea River, Belle Isle Marsh and Broad Sound, with water and sewer infrastructure the plan calls in poor condition.
• Asti Avenue and Winthrop Parkway. The plan says the Asti Avenue neighborhood floods every time high tide meets more than an inch of rain, and a failing floodgate lets surge into the Winthrop Parkway neighborhood.

Flood coverage in Revere

The plan says Revere’s flood insurance rate maps took effect March 16, 2016. It counts 1,002 NFIP payouts since 1978 from 303 flood-damaged structures, totaling $18.9 million in 2021 dollars, an average of about $18,900 per payout. There are 301 repetitive loss properties: 296 residential, 172 of them single-family homes, and five non-residential. Four flood-prone homes have been bought out with federal mitigation funds.

The plan also says its risk rating ranks inland flooding as the greatest risk to the city at large, so heavy rain matters as much as the ocean. A homeowners policy will not pay for storm surge, tidal flooding or rising water. Flood is its own policy, and lenders require it for federally backed mortgages in a special flood hazard area. Check your address on the FEMA Flood Map Service Center.

• NFIP through Selective. We write National Flood Insurance Program policies through Selective, a Write Your Own carrier. The NFIP covers up to $250,000 for the building and $100,000 for contents. New policies generally have a 30-day waiting period (see FloodSmart), so buy before storm season, not during it.
• Private flood. When a home costs more than the NFIP building limit to rebuild, or you want coverage the NFIP leaves out, we compare Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Each one decides address by address.
• Elevation certificates. If you have one, send it. If the house has been raised or has flood vents, it can make a real difference in how flood carriers rate it.

Water backup (sewer, drain or sump pump failure) is an add-on to homeowners; flood is separate. If your basement is finished, ask about both. See basement flooding coverage and our flood insurance overview.

Storms, wind and winter in Revere

The plan says storm surge speeds up beach erosion and undermines seawalls, some of them decades old, and it ranks hurricanes, tropical storms and severe winter storms among the hazards with the widest exposure. It records a tornado in 2014 that touched down in Chelsea near Route 16. Wind damage, fallen trees, ice dams and frozen pipes are generally homeowners claims, subject to your deductible. Many coastal Massachusetts policies carry a separate wind or named-storm deductible, so know that number in dollars.

Larger and older homes

Under about $2 million, most of our 40+ carriers are in play. Andover writes up to about $2.25 million in Massachusetts, sometimes higher with underwriting approval. Around $2 million to $3 million, Hanover is among the carriers we compare. Over about $3 million, Cincinnati is our go-to, and Chubb, which focuses on high-value homes, joins it at $5 million and up. Whatever the size, we build the dwelling limit around the cost to rebuild, not the market value, and we look at extended or guaranteed replacement cost where a carrier offers it.

Condos, multi-families and rentals

Your HO-6 condo policy covers what the association’s master policy does not: usually your interior, improvements, belongings, liability and loss assessments. If you rent out units in a two- or three-family house, tell us how many units there are and who lives in each; you may need a dwelling or landlord policy. It covers the building, lost rent and your liability.

Renters and tenants in Revere

If you rent in Revere, your landlord’s policy covers the building, not your belongings or your liability. A renters policy covers both, plus extra living costs after a covered loss. We shop renters coverage across our carriers, and Progressive Home is one of them; we use Progressive Home for renters policies only. Landlords who own two- to four-family buildings can see landlord insurance.

Auto, umbrella and the rest of the household

Most Revere households also need auto insurance, and many add a personal umbrella. We quote them with the home so the liability limits line up, and we put rentals, second homes, boats and valuables under the same review. One agent, one renewal conversation.

Common coverage gaps we see in Revere

• A dwelling limit based on the purchase price or assessed value instead of the cost to rebuild
• No water backup coverage on a house with a finished basement
• Personal property limits that have not kept up with what the household actually owns
• Liability limits on the home and auto that do not line up with an umbrella, or no umbrella at all
• No ordinance or law coverage on an older home that would need code upgrades after a loss
• No flood policy in Point of Pines, Riverside, Oak Island or Beachmont
• No water backup endorsement on a basement unit
• A wind deductible you have never priced in dollars

Most of these are straightforward to fix once someone reads the declarations pages side by side, and that is the first thing we do in a review.

Before storm season in Revere

• Know your hurricane or named storm deductible in dollars, not just as a percentage
• Photograph or video each room so a contents claim is easier to document
• Keep your declarations pages, flood policy and any elevation certificate somewhere you can reach from your phone
• If you are thinking about flood coverage, buy it well ahead of a storm because of the waiting period
• Know your route out: the plan flags flood-prone evacuation routes, so check before a storm

Buying a home in Revere

Start the insurance conversation before you are under contract, not the week of closing. Send us the listing and the inspection report when you have it. The report answers most of what carriers ask: roof age, electrical panel, heating, plumbing and any water in the basement. Ask for the seller’s flood policy and any elevation certificate, and check the zone on FEMA’s map. For a condo, ask for the master policy and its flood coverage. We line up the homeowners binder, and a flood binder if you need one, so both are ready for your lender.

How a Revere home quote works

• Tell us about the house: address, year built, square footage, roof age and updates to wiring, plumbing and heating.
• Send your current declarations page so we can compare like for like and point out limits that look short.
• We shop the carriers that fit and lay the options out side by side, with the differences in coverage, deductibles and storm terms, not just price.
• You choose, and we handle the switch, including your mortgage company and the effective date, so there is no gap.

Serving Revere from Portsmouth, NH

We do not have a Massachusetts office. We insure Revere homes from our Portsmouth, NH office, and work by phone, email and online. Call (603) 431-4020. Nearby, see our Winthrop, Lynn, Saugus and Nahant pages, or our Massachusetts homeowners insurance guide.

Sources

• City of Revere, Hazard Mitigation Plan 2022 Update (AECOM)
• U.S. Census Bureau, Vintage 2025 subcounty population estimates
• FEMA Flood Map Service Center
• FloodSmart, buying a flood policy

Get a quote

Tell us about the property and we will compare carriers and follow up with options. Prefer to talk? Call (603) 431-4020.

Frequently asked questions

Do you insure homes in Revere, MA?

Yes. We’re licensed in Massachusetts and insure Revere homes from our Portsmouth, NH office by phone, email and online. Call (603) 431-4020.

Is Revere in a flood zone?

Much of it. The city’s 2022 hazard mitigation plan puts nearly all of Point of Pines/Riverside and Sales Creek, and low-lying parts of Oak Island/Revere Beach, in FEMA’s 100-year floodplain. Check your address on the FEMA Flood Map Service Center.

Does homeowners insurance cover a flooded basement?

Not from flood. Water backup from sewers, drains or a sump pump is an add-on, and rising or surface water needs a flood policy.

Who writes your NFIP flood policies?

We write NFIP policies through Selective, and we compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge.

Do you charge fees?

No. We don’t charge fees on any policy we write, including homeowners, condo, renters, landlord, dwelling and auto.