Boxborough Insurance Rates:

Boxborough, MA home insurance is approximately $927 to $1,285, about $77-$107/month. Our in depth research shows customers can save upto $442 by comparing different quotes

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Boxborough Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $2390/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $600,000

4 Beds, 4 Bath 2760 sqft Vacation Property Constructed In 1985 with Wood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $570/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

2 Beds, 2 Bath 960 sqft Rental Property Constructed In 1987 with Stone Flooring, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $320/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

2 Beds, 2 Bath 1020 sqft Seasonal Residence Constructed In 1996 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1920/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

2 Beds, 2 Bath 1500 sqft Rental Property Constructed In 1983 with Wood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Single Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $890/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

2 Beds, 2 Bath 920 sqft Primary Residence Constructed In 1980 with Hardwood Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $4630/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $510,000

3 Beds, 3 Bath 1940 sqft Seasonal Residence Constructed In 1984 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $2590/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $600,000

4 Beds, 4 Bath 2390 sqft Primary Residence Constructed In 1982 with Wood Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2070/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $455,000

3 Beds, 3 Bath 2030 sqft Seasonal Residence Constructed In 1985 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2270/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $425,000

3 Beds, 3 Bath 1950 sqft Primary Residence Constructed In 1998 with Stone Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $340/1 month for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $725,000

4 Beds, 4 Baths 3200 sqft Rental Property Constructed In 1994 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Boxborough Rates & Quotes Analysis:

Boxborough Area Estimated House Insurance
Swanson Rd, Joyce Ln, Adams Pl, Littlefield Rd, Macleod Way, Priest Ln, Fifers Ln, Spencer Rd, Morse Ln, Emanuel Dr$1,110
Old Orchard Ln, Pierce Ln, Saras Way, Loring Ave, W Whitcomb Rd, Mayfair Rd, Hager Ln, Steele Ln, Schoolhouse Ln, Avebury Cir$1,104
Mayfair Dr, Whitcomb Rd, Guggins Ln, Tokatawan Spring Ln, Davidson Rd, Inches Brook Ln, Chester Rd, Codman Hill Rd, Tamarack Ln, Flagg Hill Rd$1,098
Summer Rd, Coolidge Farm Rd, Box Mill Rd, Cobleigh Rd, Depot Rd, Cunningham Rd, Butler Way, Hughes Ln, Whitney Ln, Meetinghouse Ln$1,097
Barteau Ln, Eldridge Rd, Boxboro Rd, Liberty Square Rd, Reed Farm Rd, Houghton Ln, Pine Pasture Run, Burroughs Rd, Sherry Rd, School House Ln$1,109

Insurance rates are influenced by a number of factors including:

  • Year Built: 610 Homes (29% of total homes ) built between 1990 to 1999 in Boxborough are paying home insurance between $1,597-$1,614. Places close to Boxborough, MA such as Harvard, West Concord, Concord are more expensive by $46, $17, $82 respectively while Littleton and Stow are cheaper by $55 and $32 respectively for similar homes.
  • Bedrooms: 546 3 bedrooms homes (26% of total homes ) in Boxborough are paying about $499. Areas near to Boxborough such as Harvard, West Concord, Concord are costlier by $14, $5, $25 respectively whereas Littleton and Stow are more economical by $17, $10 respectively for similar homes.
  • Auto Insurance Bundling: 310 Households (18% of all households) in Boxborough have 3 or more vehicles available and when it is bundled with home insurance you can save $276 in contrast with Harvard ($284), Littleton ($267), Stow ($271).
  • Senior Discounts: 685 seniors (more than 55 years) occupied housing units (41% of total) in Boxborough get discounts between $163 to $168. The comparative concessions in proximate regions such as Harvard, Littleton and Stow are $170, $160 and $162 respectively.
  • New Homes discounts: New homes such as the 761 homes built between 2000 to 2009 in Boxborough can save $221 compared to Harvard ($227), Littleton ($213), Stow ($217).

Boxborough Homeowners insurance Facts

  • Boxborough, MA has 1,665 owner occupied houses which is 82.1% of all units whereas Harvard, Littleton and Stow have 91.28%, 86.55% and 90.22% respectively.
  • Boxborough, MA homeowners yearly insurance price at $1,107 is 0.22% of the typical house value of $504,800 which is in contrast with 0.19% in Harvard, 0.28% at Littleton & 0.25% in Stow.
  • Homeowners in Boxborough, MA pay 22.14% of their income (Less than $10,000) in insurance whereas homeowners in Harvard, Littleton and Stow pay 22.78%, 21.38% and 21.7% respectively.
  • Boxborough, MA’s insurance is 3.4% of monthly housing costs of $2,687/month, for owners with a mortgage compared to 3.05% in Harvard, 3.72% at Littleton & 3.21% in Stow. But, for households without a mortgage, insurance is 10.2% of costs ($903 in Boxborough, MA) in contrast with 9.51% in Harvard, 12.62% at Littleton & 9.03% in Stow.

Boxborough, MA Home Values & Insurance rates

For example, insurance for 12 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Boxborough, MA is about $110. Rates in nearby areas in such as West Concord, Concord, Carlisle are cheaper by $10, $29, $28 respectively while Littleton and Littleton Common are costlier by $28 and $48 respectively for similar homes.

Boxborough, MA Home By Value Total Homes % of Total Average Homeowners Insurance
$50,000 to $59,999 12 1.0% $110
$60,000 to $69,999 31 4.0% $132
$70,000 to $79,999 39 6.0% $154
$80,000 to $89,999 33 5.0% $177
$90,000 to $99,999 68 10.0% $199
$100,000 to $124,999 139 22.0% $232
$125,000 to $149,999 98 15.0% $298
$250,000 to $299,999 36 5.0% $597
$300,000 to $399,999 174 27.0% $763

Renters Insurance in Boxborough

  • Average Renters Insurance in Boxborough :  $95($7/month)

  • Median Gross Rent in Boxborough :  $950

  • Boxborough Renters Insurance to Median Rent Ratio:  0.74%

  • Renter occupied housing units in Boxborough :  363

Boxborough Renters Insurance as a Percentage of Rent

Boxborough Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 14 4.0% $1898
$750 to $999 222 63.0% $2648
$1,000 to $1,499 79 22.0% $3773
$1,500 or more 35 10.0% $5423

Rent Affordability in Boxborough:

Approximately 38.0% (138) of households are spending more than 35% of their income on gross rent in Boxborough

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 76 20.0%
15.0 to 19.9 percent 37 10.0%
20.0 to 24.9 percent 38 10.0%
25.0 to 29.9 percent 35 9.0%
30.0 to 34.9 percent 39 10.0%
35.0 percent or more 138 38.0%

Protective device discount in Boxborough Up to :  $14

Claims-free discount in Boxborough Up to :  $19

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