Hull Insurance Rates:

Hull, MA home insurance is roughly $896 to $1,221, about $74-$101/month. Our thorough guide indicates shoppers can save as much as $423 by getting many quotes

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Hull Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $910/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $485,000

3 Beds, 3 Baths 2280 sqft Vacation Property Constructed In 1941 with Stone Flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single 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

  • Seniors staying at home

Home Insurance Rate of $1510/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $525,000

5 Beds, 5 Bath 2510 sqft Rental Property Constructed In 1949 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $630/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Bath 1520 sqft Seasonal Residence Constructed In 1966 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $810/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $610,000

5 Beds, 5 Baths 3770 sqft Vacation Property Constructed In 1946 with Linoleum, Slate Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $710/2 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $625,000

5 Beds, 5 Baths 4260 sqft Vacation Property Constructed In 1942 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2840/10 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $735,000

5 Beds, 5 Bath 4600 sqft Rental Property Constructed In 1944 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2450/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $570,000

4 Beds, 4 Baths 3250 sqft Primary Residence Constructed In 1946 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2100/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $480,000

5 Beds, 5 Baths 2420 sqft Rental Property Constructed In 1991 with Linoleum, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1380/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Baths 1380 sqft Seasonal Residence Constructed In 1999 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

4 Beds, 4 Baths 2860 sqft Vacation Property Constructed In 1942 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Hull Rates & Quotes Analysis:

Hull Area Estimated House Insurance
Packard Ave, Porrazzo Rd, Veterans Rd, Rowley St, Montana Ave, Atlantic Ave, 11th St, 8th St, Waltham St, Guild St$1,052
Battery Rd, Chatham St, Holbrook Ave, Gatehouse Ln, Alden Ave, Nantasket Rd, Nantasket Ave, Ralph Crossen Cir, Seaview Ave, Fair St$1,034
Kenberma St, Beacon Ave, Tierney Ave, Shore Gardens Rd, Old Colony Rd, Cushing St, Dun Rock Ave, Harold Pl, Western Ave, 6th St$1,062
Spring Valley Rd, Andrew Rd, Edgewater Rd, Beach Ave, State Park Rd, Logan Ave, Priscilla Way, Alsada Rd, Rockland House Rd, M St$1,056
B St, Point Allerton Ave, Oceanside Dr, Delewanda Rd, Midledge Ave, 9th St, Atlantic House Rd, O St, Glover Ave, Farina Rd$1,060

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,490 Homes (43% of total homes ) built between 1939 or earlier in Hull are paying home insurance between $2,263-$2,279. Places close to Hull, MA such as Nahant, Cohasset, Boston are more expensive by $120, $280, $16 respectively while Revere and Chelsea are cheaper by $27 and $55 respectively for similar homes.
  • Bedrooms: 806 4 bedrooms homes (14% of total homes ) in Hull are paying about $783 in contrast with Nahant (+$43), Cohasset (+$85), Boston (+$6), Suffolk County (-$8) and Revere (-$19).
  • Auto Insurance Bundling: 537 Households (15% of all households) in Hull have 3 or more vehicles available and when it is bundled with home insurance you can save $264. Discounts for similar bundling in close by locations such as Winthrop Town, Nahant, Cohasset come to $264, $278, $297 respectively.
  • Senior Discounts: 1,936 seniors (more than 55 years) occupied housing units (54% of total) in Hull get discounts between $157 to $159. The comparative concessions in proximate regions such as Winthrop Town, Nahant and Cohasset are $158, $167 and $178 respectively.
  • New Homes discounts: New homes such as the 1,401 homes built between 2000 to 2009 in Hull can save $211 compared to Winthrop Town ($211), Nahant ($223), Cohasset ($237).

Hull Homeowners insurance Facts

  • Hull, MA has 3,544 owner occupied houses which is 74.7% of all units whereas Winthrop Town, Nahant and Cohasset have 56.13%, 68.24% and 88.04% respectively.
  • Hull, MA homeowners yearly insurance price at $1,058 is 0.3% of the typical house value of $353,400 which is in contrast with 0.3% in Winthrop Town, 0.21% at Nahant & 0.16% in Cohasset.
  • Homeowners in Hull, MA pay 1.57% of their income ($60,000 to $74,999) in insurance whereas homeowners in Winthrop Town, Nahant and Cohasset pay 1.57%, 1.65% and 1.76% respectively.
  • Hull, MA’s insurance is 4.0% of monthly housing costs of $2,207/month, for owners with a mortgage compared to 3.95% in Winthrop Town, 3.4% at Nahant & 3.05% in Cohasset. But, for households without a mortgage, insurance is 10.9% of costs ($809 in Hull, MA) in contrast with 10.23% in Winthrop Town, 12.39% at Nahant & 9.89% in Cohasset.

Hull, MA Home Values & Insurance rates

For example, insurance for 968 Homes (43.0% of total homes ) valued between $300,000 to $399,999 in Hull, MA is about $1,047. Rates in nearby areas in such as Winthrop Town, Nahant, Cohasset are cheaper by $10, $323, $513 respectively while Revere and Quincy are costlier by $103 and $9 respectively for similar homes.

Hull, MA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 79 3.0% $74
$125,000 to $149,999 28 1.0% $402
$150,000 to $174,999 80 3.0% $476
$200,000 to $249,999 404 18.0% $666
$250,000 to $299,999 618 27.0% $814
$300,000 to $399,999 968 43.0% $1047

Renters Insurance in Hull

  • Average Renters Insurance in Hull :  $190($15/month)

  • Median Gross Rent in Hull :  $1,329

  • Hull Renters Insurance to Median Rent Ratio:  1.13%

  • Renter occupied housing units in Hull :  1,200

Hull Renters Insurance as a Percentage of Rent

Hull Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 16 1.0% $797
$300 to $499 35 3.0% $1247
$500 to $749 132 11.0% $1922
$750 to $999 126 10.0% $2672
$1,000 to $1,499 420 36.0% $3797
$1,500 or more 424 36.0% $5447

Rent Affordability in Hull:

Approximately 51.0% (618) of households are spending more than 35% of their income on gross rent in Hull

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 127 10.0%
15.0 to 19.9 percent 96 8.0%
20.0 to 24.9 percent 167 13.0%
25.0 to 29.9 percent 77 6.0%
30.0 to 34.9 percent 115 9.0%
35.0 percent or more 618 51.0%

Hull Renters Insurance Discounts:

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

Number of Vehicles in Hull, MA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 649 54.0% $19.0
2 vehicles available 338 28.0% $28.5
3 or more vehicles available 48 4.0% $38.0

Hull Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 146 12.0% $132
60 to 64 years 53 4.0% $106
65 to 74 years 97 8.0% $86
75 years and over 54 4.0% $66

Protective device discount in Hull Up to :  $28

Claims-free discount in Hull Up to :  $38