Newburyport Insurance Rates:

Newburyport, MA home insurance is about $916 to $1,249, about $76-$104/month. Our comprehensive analysis indicates shoppers can save as much as $433 by getting different quotes

Compare Quotes from Top Providers and Save now!

Read Newburyport, Massachusetts Homeowners Insurance reviews & compare quotes to get the best deal from the most trustworthy providers

Newburyport Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $3070/9 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $700,000

4 Beds, 4 Baths 2840 sqft Vacation Property Constructed In 1944 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $600/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $595,000

5 Beds, 5 Baths 2880 sqft Primary Residence Constructed In 1942 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has 3 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 $830/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

3 Beds, 3 Baths 2210 sqft Seasonal Residence Constructed In 1944 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single 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 Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $400/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $680,000

4 Beds, 4 Baths 2910 sqft Vacation Property Constructed In 1943 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1750/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $505,000

4 Beds, 4 Baths 2490 sqft Primary Residence Constructed In 1947 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

3 Beds, 3 Baths 1420 sqft Vacation Property Constructed In 1992 with Hardwood Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who is Retired and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $600/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1350 sqft Vacation Property Constructed In 1995 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced 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

  • 700-749 Credit Score

Home Insurance Rate of $3060/8 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,160,000

5 Beds, 5 Baths 4620 sqft Seasonal Residence Constructed In 1999 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 1940 sqft Rental Property Constructed In 1945 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $680/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $415,000

2 Beds, 2 Bath 1700 sqft Rental Property Constructed In 1992 with Carpet Flooring, Composition Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Newburyport Rates & Quotes Analysis:

Newburyport Area Estimated House Insurance
65th St, Kate St, Vernon St, Briggs Ave, Peters Rd, Carlton Dr, William Hall Dr, Moseley Ave, Fenders Ave, Hope Ave$1,078
Lawton Dr, Gypsy Ln, Helena St, Dalton St, Blueberry Pines, Henderson Cir, Bowlen Ave, N Atkinson St, Traffic Cir, Daniel Lucy Way$1,077
Plummer Ave, Caldwells Ct, 64th St, Central Pl, 76th St, Barton St, 77th St, Vernon Ct, Fruit St, Christie Dr$1,081
Bradbury Ln, Reservation Ter, Ashland Ct, Union Pl, 57th St, Greenleaf St, Chainbridge Dr, Coffin St, Opportunity Way, Margerie St$1,083
Harding Ave, Noble St, Storeybrook Dr, Bricher St, 52nd St, Atkinson Ct, Melvin Ct, Garrison Rd, Carter St, Pheasant Run Dr$1,088

Insurance rates are influenced by a number of factors including:

  • Year Built: 629 Homes (7% of total) built between 1960 to 1969 in Newburyport are paying home insurance between $1,896-$1,913 compared to Newbury (+$19), West Newbury (+$24), Boxford (+$93), Salisbury (-$59) and Amesbury Town (-$60).
  • Bedrooms: 1,282 1 bedroom homes (16% of total homes ) in Newburyport are paying about $369. Areas near to Newburyport such as Newbury, West Newbury, Seabrook Beach(NH) are costlier by $3, $4, $30 respectively whereas Salisbury and Seabrook(NH) are more economical by $12, $17 respectively for similar homes.
  • Auto Insurance Bundling: 2,956 Households (54% of all households) in Newburyport have 2 vehicles available and when it is bundled with home insurance you can save $216 and differs from Newbury ($218), Salisbury ($209), West Newbury ($219).
  • Senior Discounts: 2,860 seniors (more than 55 years) occupied housing units (53% of total) in Newburyport get discounts between $161 to $163 and differs from Newbury ($163), Salisbury ($157), West Newbury ($164).
  • New Homes discounts: New homes such as the 1,484 homes built between 2000 to 2009 in Newburyport can save $216 in contrast with Newbury ($218), Salisbury ($209), West Newbury ($219).

Newburyport Homeowners insurance Facts

  • Newburyport, MA has 5,381 owner occupied houses which is 71.7% of all units whereas Newbury, Salisbury and West Newbury have 79.18%, 77.77% and 87.97% respectively.
  • Newburyport, MA homeowners yearly insurance price at $1,083 is 0.25% of the typical house value of $430,800 which is in contrast with 0.24% in Newbury, 0.32% at Salisbury & 0.23% in West Newbury.
  • Homeowners in Newburyport, MA pay 8.66% of their income ($10,000 to $14,999) in insurance whereas homeowners in Newbury, Salisbury and West Newbury pay 8.74%, 8.39% and 8.78% respectively.
  • Newburyport, MA’s insurance is 3.7% of monthly housing costs of $2,466/month, for owners with a mortgage compared to 3.52% in Newbury, 4.32% at Salisbury & 3.42% in West Newbury. But, for households without a mortgage, insurance is 10.8% of costs ($839 in Newburyport, MA) in contrast with 12.43% in Newbury, 13.33% at Salisbury & 9.83% in West Newbury.

Newburyport, MA Home Values & Insurance rates

For example, insurance for 43 Homes (1.0% of total homes ) valued between $150,000 to $174,999 in Newburyport, MA is about $400. Rates in nearby areas in such as West Newbury, Seabrook Beach, Hampton Falls are cheaper by $28, $181, $124 respectively while Salisbury and Amesbury Town are costlier by $124 and $124 respectively for similar homes.

Newburyport, MA Home By Value Total Homes % of Total Average Homeowners Insurance
$90,000 to $99,999 57 2.0% $238
$150,000 to $174,999 43 1.0% $400
$200,000 to $249,999 213 9.0% $563
$250,000 to $299,999 376 16.0% $682
$300,000 to $399,999 1,548 66.0% $877

Renters Insurance in Newburyport

  • Average Renters Insurance in Newburyport :  $142($11/month)

  • Median Gross Rent in Newburyport :  $1,118

  • Newburyport Renters Insurance to Median Rent Ratio:  0.98%

  • Renter occupied housing units in Newburyport :  2,121

Newburyport Renters Insurance as a Percentage of Rent

Newburyport Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 158 7.0% $785
$300 to $499 145 7.0% $1235
$500 to $749 166 8.0% $1910
$750 to $999 374 18.0% $2660
$1,000 to $1,499 685 33.0% $3785
$1,500 or more 515 25.0% $5435

Rent Affordability in Newburyport:

Approximately 35.0% (761) of households are spending more than 35% of their income on gross rent in Newburyport

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 161 7.0%
15.0 to 19.9 percent 214 10.0%
20.0 to 24.9 percent 382 18.0%
25.0 to 29.9 percent 368 17.0%
30.0 to 34.9 percent 235 11.0%
35.0 percent or more 761 35.0%

Protective device discount in Newburyport Up to :  $21

Claims-free discount in Newburyport Up to :  $28