Brockton Insurance Rates:

Brockton, MA home insurance is roughly $867 to $1,176, about $72-$98/month. Our exhaustive research shows customers can save upto $408 by comparing multiple quotes

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Brockton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $330/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1480 sqft Seasonal Residence Constructed In 1977 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Female who is Unemployed and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Bath 1550 sqft Primary Residence Constructed In 1979 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $310/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 920 sqft Rental Property Constructed In 1946 with Carpet Flooring, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $280/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Bath 1850 sqft Seasonal Residence Constructed In 1985 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $730/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1490 sqft Vacation Property Constructed In 1960 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $790/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

2 Beds, 2 Bath 1050 sqft Vacation Property Constructed In 1946 with Hardwood Flooring, Metal Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 1990 sqft Rental Property Constructed In 1984 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Male who is Unemployed and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $1060/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1260 sqft Vacation Property Constructed In 1969 with Hardwood Flooring, Membrane Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $580/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1250 sqft Vacation Property Constructed In 1989 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1210 sqft Rental Property Constructed In 1944 with Carpet over wood flooring, Metal Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Male who has a Part Time Job with household income of less than $25,000 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 $490/2 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 1565 sqft Rental Property Constructed In 1938 with Carpet over wood flooring, Metal Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Brockton Rates & Quotes Analysis:

Brockton Area Estimated House Insurance
Victory St, E Market St, D St, Bouve Ave, Westland St, Draper St, Nash Ave, Dennis Ave, Winnifred Rd, Woodbine St$1,030
Fairmount St, Snell Ave, Sprague St, Ralph's Ct, Hamilton St, Briarcliff Rd, Howard Sq, Walnut Ave, Braemoor Rd, Track St$1,040
Sawtell Ave, Hampden Ave, Appleton St, Whipple Ave, Waverly Park Rd, Edinboro Ave, Hayward Ave, Wallace St, Carroll Ave, W Crook St$1,022
Seaver St, Garfield St, Mystic St, Maguire Rd, Kingman St, Leo Ave, Harold St, Baltic Ave, Snow Ave, Kurland Ave$1,015
Nye Ave, N Ash St, Pinkham St, Pineview Ter, Alger St, Berkshire Ave, Torrey St, Gary Rd, W Meadow Dr, Morgan St$1,029
Finny's Way, Grand St, Burton Pl, Alexandra's Way, Hampton Rd, Birchview Ave, Skinner St, Raintree Ln, Rosemary St, Manchester St$1,022
Hoover Ave, Fred St, Orchard Ave, Heath St, Rachael's Way, Wyman St, Brook St Exd, Weston St, Coburn St, Aspen St$1,036
Laureston St, Tupelo St, Denise Ter, Nauset Rd, Curtis St, Boundary Ave, Cary St, Oakland St, Barry St, Dickinson Rd$1,023
Willard Ave, Brewer Ave, Woodard Ave, Woodside Ave, Lisa Dr, Menlo Pl, Rodwell St, Oakside Ave, Teele St, Leyden Park Rd$1,014
Burdett Rd, Berkley St, Keri-Anne Dr, Ray Ave, Irving Ave, Pinehurst Ave, Middle St, Green St Exd, Oakland Ave, Essex St$1,019

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,892 Homes (16% of total) built between 1960 to 1969 in Brockton are paying home insurance between $1,788-$1,803 and varies from Avon (+$41), West Bridgewater (+$40), Holbrook (+$23).
  • Bedrooms: 15,267 3 bedrooms homes (42% of total homes ) in Brockton are paying about $460 in contrast with Avon (+$11), West Bridgewater (+$10), Holbrook (+$6).
  • Auto Insurance Bundling: 3,630 Households (18% of all households) in Brockton have 3 or more vehicles available and when it is bundled with home insurance you can save $255. Discounts for similar bundling in close by locations such as Avon, West Bridgewater, Holbrook come to $261, $261, $258 respectively.
  • Senior Discounts: 8,288 seniors (more than 55 years) occupied housing units (43% of total) in Brockton get discounts between $153 to $155. The comparative concessions in proximate regions such as Avon, Holbrook and Abington are $156, $155 and $157 respectively.
  • New Homes discounts: New homes such as the 6,159 homes built between 2000 to 2009 in Brockton can save $204 and varies from Avon ($209), West Bridgewater ($208), Holbrook ($206).

Brockton Homeowners insurance Facts

  • Brockton, MA has 19,244 owner occupied houses which is 58.0% of all units whereas Avon, West Bridgewater and Holbrook have 80.22%, 89.06% and 73.66% respectively.
  • Brockton, MA homeowners yearly insurance price at $1,021 is 0.43% of the typical house value of $237,300 which is in contrast with 0.34% in Avon, 0.34% at West Bridgewater & 0.37% in Holbrook.
  • Homeowners in Brockton, MA pay 3.71% of their income ($25,000 to $29,999) in insurance whereas homeowners in Avon, West Bridgewater and Holbrook pay 3.8%, 3.8% and 3.76% respectively.
  • Brockton, MA’s insurance is 4.4% of monthly housing costs of $1,940/month, for owners with a mortgage compared to 4.37% in Avon, 3.89% at West Bridgewater & 4.11% in Holbrook. But, for households without a mortgage, insurance is 13.5% of costs ($631 in Brockton, MA) in contrast with 14.25% in Avon, 13.49% at West Bridgewater & 12.43% in Holbrook.

Brockton, MA Home Values & Insurance rates

For example, insurance for 679 Homes (3.0% of total homes ) valued between $125,000 to $149,999 in Brockton, MA is about $581. Rates in nearby areas in such as Avon, West Bridgewater, Stoughton are cheaper by $122, $122, $131 respectively while Valley Falls and Pawtucket are costlier by $39 and $147 respectively for similar homes.

Brockton, MA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 393 2.0% $102
$100,000 to $124,999 628 3.0% $469
$125,000 to $149,999 679 3.0% $581
$150,000 to $174,999 1,632 8.0% $694
$175,000 to $199,999 1,891 10.0% $806
$200,000 to $249,999 5,272 28.0% $969
$250,000 to $299,999 3,914 21.0% $1184
$300,000 to $399,999 3,481 18.0% $1500

Renters Insurance in Brockton

  • Average Renters Insurance in Brockton :  $264($22/month)

  • Median Gross Rent in Brockton :  $1,022

  • Brockton Renters Insurance to Median Rent Ratio:  2.15%

  • Average household size of renter-occupied unit :  2.58

Brockton Renters Insurance as a Percentage of Rent

Brockton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 294 2.0% $366
$200 to $299 1,184 8.0% $816
$300 to $499 932 6.0% $1266
$500 to $749 1,447 10.0% $1941
$750 to $999 2,544 18.0% $2691
$1,000 to $1,499 5,418 40.0% $3816
$1,500 or more 1,590 11.0% $5466

Rent Affordability in Brockton:

Approximately 52.0% (7,319) of households are spending more than 35% of their income on gross rent in Brockton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 841 6.0%
15.0 to 19.9 percent 1,170 8.0%
20.0 to 24.9 percent 1,779 12.0%
25.0 to 29.9 percent 1,733 12.0%
30.0 to 34.9 percent 1,102 7.0%
35.0 percent or more 7,319 52.0%

Brockton Renters Insurance Discounts:

Brockton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Brockton, MA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,982 50.0% $26.4
2 vehicles available 2,087 14.0% $39.6
3 or more vehicles available 636 4.0% $52.8

Protective device discount in Brockton Up to :  $39

Claims-free discount in Brockton Up to :  $52