Dedham Insurance Rates:

Dedham, MA home insurance is nearly $904 to $1,226, about $75-$102/month. Our complete guide indicates shoppers can save as much as $426 by comparing different quotes

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Dedham, Massachusetts Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Dedham Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $4180/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $675,000

5 Beds, 5 Baths 3640 sqft Seasonal Residence Constructed In 2014 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1020/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 2440 sqft Seasonal Residence Constructed In 2013 with Hardwood Flooring, Metal Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1740/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $540,000

4 Beds, 4 Baths 2850 sqft Vacation Property Constructed In 1947 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $440/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 1520 sqft Vacation Property Constructed In 1944 with Wood Flooring, Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1390/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $390,000

3 Beds, 3 Bath 1950 sqft Vacation Property Constructed In 1967 with Wood Flooring, Composition Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has No Pets 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 $1490/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1220 sqft Vacation Property Constructed In 1944 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1440/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

4 Beds, 4 Bath 1770 sqft Primary Residence Constructed In 1979 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Male who is Unemployed and has More than 3 Pets at home 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 $3220/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Bath 2220 sqft Primary Residence Constructed In 1965 with Stone Flooring, Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $2690/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $510,000

5 Beds, 5 Baths 3430 sqft Primary Residence Constructed In 1940 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

2 Beds, 2 Bath 1410 sqft Seasonal Residence Constructed In 1976 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

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

  • 650-699 Credit Score

  • Guests at home

Dedham Rates & Quotes Analysis:

Dedham Area Estimated House Insurance
Sherman Rd, Kingsbury Ln, Sprague St, Echo Ln, Norwell Rd, Garfield Rd, Chickering Rd, Nobel Rd, Sprague St, Dorothy Ln$1,133
Maverick St, Chauncey St, Robinwood Rd, Stergis Way, Carmichael Cir, Lee Ter, Phillips Ln, Rustcraft Rd, Maynard Rd, Raven Hill$1,051
Dedham Blvd, Belknap St, Hidden Ter, Cass Ave, Violet Ave, Glancy Ln, Alice Way, Charity Ln, Carlisle Rd, Allied Dr$1,050
Jefferson St, Carrolton Rd, Bryant St, Carey Ln, Cunningham Rd, Parkway Ct, Eastern Ave, Needham St, Wiggin Ave, Rosemary Rd$1,059
Mount Hope St, Hillcrest Ave, Dartmouth Ave, Fleming St, Greenlodge St, Goshen Rd, Tapley Ln, Hooper Rd, Nickerson Rd, Cobb Ln$1,049

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,846 Homes (18% of total) built between 1950 to 1959 in Dedham are paying home insurance between $2,003-$2,019 in contrast with Westwood (+$147), Needham (+$164), Milton (+$62), Randolph (-$58) and Quincy (-$17).
  • Bedrooms: 1,816 4 bedrooms homes (18% of total homes ) in Dedham are paying about $789. Areas near to Dedham such as Westwood, Needham, Milton are costlier by $57, $53, $14 respectively whereas Norwood and Randolph are more economical by $10, $34 respectively for similar homes.
  • Auto Insurance Bundling: 1,423 Households (20% of all households) in Dedham have 3 or more vehicles available and when it is bundled with home insurance you can save $266. Discounts for similar bundling in close by locations such as Westwood, Needham, Norwood come to $285, $288, $266 respectively.
  • Senior Discounts: 3,435 seniors (more than 55 years) occupied housing units (48% of total) in Dedham get discounts between $159 to $162. The comparative concessions in proximate regions such as Westwood, Needham and Norwood are $171, $172 and $159 respectively.
  • New Homes discounts: New homes such as the 3,356 homes built between 2000 to 2009 in Dedham can save $213 and similar new home insurance discounts in nearby towns and cities like Westwood, Needham and Norwood are $228, $230 and $213 respectively.

Dedham Homeowners insurance Facts

  • Dedham, MA has 7,030 owner occupied houses which is 73.2% of all units whereas Westwood, Needham and Norwood have 87.95%, 83.45% and 58.48% respectively.
  • Dedham, MA homeowners yearly insurance price at $1,065 is 0.28% of the typical house value of $374,700 which is in contrast with 0.18% in Westwood, 0.18% at Needham & 0.28% in Norwood.
  • Homeowners in Dedham, MA pay 2.51% of their income ($40,000 to $44,999) in insurance whereas homeowners in Westwood, Needham and Norwood pay 2.69%, 2.71% and 2.51% respectively.
  • Dedham, MA’s insurance is 3.6% of monthly housing costs of $2,461/month, for owners with a mortgage compared to 3.13% in Westwood, 3.02% at Needham & 4.07% in Norwood. But, for households without a mortgage, insurance is 11.2% of costs ($794 in Dedham, MA) in contrast with 9.8% in Westwood, 9.87% at Needham & 15.03% in Norwood.

Dedham, MA Home Values & Insurance rates

For example, insurance for 52 Homes (1.0% of total homes ) valued between $175,000 to $199,999 in Dedham, MA is about $532. Rates in nearby areas in such as Westwood, Needham, Milton are cheaper by $190, $210, $115 respectively while Randolph and Quincy are costlier by $160 and $27 respectively for similar homes.

Dedham, MA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 95 2.0% $63
$175,000 to $199,999 52 1.0% $532
$200,000 to $249,999 352 8.0% $639
$250,000 to $299,999 892 21.0% $777
$300,000 to $399,999 2,784 66.0% $990

Renters Insurance in Dedham

  • Average Renters Insurance in Dedham :  $177($14/month)

  • Median Gross Rent in Dedham :  $1,432

  • Dedham Renters Insurance to Median Rent Ratio:  0.98%

  • Average household size of renter-occupied unit :  1.84

Dedham Renters Insurance as a Percentage of Rent

Dedham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 121 5.0% $794
$300 to $499 170 7.0% $1244
$500 to $749 83 3.0% $1919
$750 to $999 201 8.0% $2669
$1,000 to $1,499 768 31.0% $3794
$1,500 or more 1,063 44.0% $5444

Rent Affordability in Dedham:

Approximately 48.0% (1,240) of households are spending more than 35% of their income on gross rent in Dedham

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 243 9.0%
15.0 to 19.9 percent 296 11.0%
20.0 to 24.9 percent 281 10.0%
25.0 to 29.9 percent 317 12.0%
30.0 to 34.9 percent 202 7.0%
35.0 percent or more 1,240 48.0%

Protective device discount in Dedham Up to :  $26

Claims-free discount in Dedham Up to :  $35