Frequently Asked Questions about Insurance

The local MA insurance agents at the ‘Premier Shield Insurance agency‘ receive and service representatives receive thousands of insurance-related questions each year. Below are some of the most common questions our agents can help you answer.

Please call to get personalized answers to your insurance questions or request an insurance quote online and we’ll be happy to reach out.

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Auto Insurance FAQ

Find the best automobile insurance company answers for your local question with “Premier Shield”.

Shop, compare and buy better car insurance company questions with a local car insurance agent near you with the “Premier Shield Insurance Agency (in MA).

  • Q: How Much is Car Insurance for a New Driver in Massachusetts? A: “Car insurance for a new driver in Massachusetts costs between $1,450 to $9,600 per year, on average as of 06/30/2021 according to the most recent data provided to Premier Shield Insurance.”
  • Q: How much is the surcharge for an accident in Massachusetts? A: “Currently, the auto surcharge threshold in Massachusetts makes a Minor At-Fault Accident at between $1,001 3 Points and $5,000 and a Major At-Fault accident above $5,000 at 4 Points. You have the right to appeal any decision about your accident.”
  • Q: “How long are you considered a high-risk driver”? A: Typically you’re considered a “high-risk auto insurance” customer in the United States for a minimum of 5 years and as long as 6 years (from the surcharge date) in places like Massachusetts.
  • Is car water damage covered by insurance & Will a flooded car be totaled? A: Speak to your auto insurance agent to learn more about what types of coverage for flood are or aren’t covered under the auto policy’s comprehensive coverage section.

Learn more about Premier Shield High-Value home insurance coverage options online



Home Insurance FAQ


Find common and frequently asked Premier Shield Insurance agency questions about property and homeowners insurance coverage and policies.


  • Why did my homeowner’s insurance increase?
  • What is not covered by homeowners insurance?
  • What should home insurance cover?
  • Can I be denied homeowners insurance?
  • What are the six categories typically covered by homeowners insurance?
  • What type of water damage is covered by homeowners insurance?
  • How do I deal with insurance after water damage?


Learn more about Premier Shield auto insurance coverage online




Flood Insurance FAQ

Speak with a flood insurance agent at 1-774-847-7746 and get your specific flood insurance policy questions answered with an agent today!

Find common and frequently asked Premier Shield Insurance agency questions about FEMA, NFIP, and Private Market Flood insurance policies, coverage, and rates.

  • Q: What is the best flood zone to live in? A: “The best flood zone to live in is an X Flood Zone on FEMA Maps”
  • Q: Why do you have to wait 30 days for flood insurance? A: “The 30 day waiting period does not apply to home purchases, but it does apply when switching flood insurance companies”.
  • Q: Can flood insurance be waived? A: Yes, if you do not have a lender or financial interest involved and you live in a flood zone you are not required to carry a flood insurance policy and it can be waived. However, you may want to strongly consider purchasing an affordable private market flood insurance policy to reduce your risk as a homeowner.
  • How does FEMA flood insurance work? For flood insurance, quote-related questions call 1-774-847-7746 or request a FEMA flood insurance quote online. Learn more about NFIP & FEMA Flood Insurance policies and laws online.
  • What is covered by flood? & What Flood insurance does not cover?
  • Does flood insurance cover heavy rains?
  • Is rain damage considered flood damage?
  • Is flood insurance worth the cost?
  • Do insurance companies pay for flood damage?
  • Does insurance cover flash flooding?
  • “How much does zone X flood insurance cost?”
  • “How much does zone A flood insurance cost?”
  • “How much does zone AE flood insurance cost?”
  • “How much does zone A1-30 flood insurance cost?”
  • “How much does zone AH flood insurance cost?”
  • “How much does zone AO flood insurance cost?”
  • “How much does zone AR flood insurance cost?”
  • “How much does zone A99 flood insurance cost?”

Learn more about Premier Shield Insurance Companies & Product Offerings

Find the best options for coverage and prices shopping and comparing rates with an independent insurance agent at Premier Shield. Find local and national insurance carriers that will provide you with lower insurance costs and premiums for your home, auto, flood, life, motorcycle, boat, renters, or umbrella policy.



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