Rockland Insurance Rates:

Rockland, ME home insurance is approximately $561 to $776, about $46-$64/month. Our comprehensive guide shows customers can save upto $267 by comparing different quotes

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Rockland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $500/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1720 sqft Vacation Property Constructed In 1993 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1010/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Bath 2210 sqft Primary Residence Constructed In 1948 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Female who is Unemployed and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $670/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 3070 sqft Vacation Property Constructed In 1944 with Linoleum, Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Swimming Pool, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Bath 3390 sqft Primary Residence Constructed In 1964 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $220/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 920 sqft Seasonal Residence Constructed In 1993 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $200/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1640 sqft Primary Residence Constructed In 1945 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female 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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 1920 sqft Rental Property Constructed In 1946 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $430/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2280 sqft Rental Property Constructed In 1967 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $50/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1590 sqft Vacation Property Constructed In 1944 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $250/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1110 sqft Rental Property Constructed In 1949 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Rockland Rates & Quotes Analysis:

Rockland Area Estimated House Insurance
US Hwy 1 Alt, Suffolk, Samoset Rd, Clarendon St, Knott St, Claremont St, US Hwy 1 Alt, Thompson St, Woodland Rd, Laurel St$662
Fern St, Olympic Ave, Benner Rd, Sunrise Summit, Otis St, Sherer Ln, Granite St, McLoud St, Perry St, Barter Rd$671
Belyea Ave, Brewster St, Merry St, Lakeview Dr, North St, Highland Ave Exd, Valley View St, Chestnut St, Dunton Ave, Warren St$663
West St, Shaw Ave, Kelly Ln, Bay View Sq, N Main St, Eliza Steele Dr, Pen Bay Ave, Lovejoy St, Pacific, Gay Street Pl$677
Lake Ave, Katahdin Ave, Birch St, Jefferson St, Knox St, Lawrence St, New County Rd, Belyea St, Summer St, Linden St$677

Insurance rates are influenced by a number of factors including:

  • Year Built: 455 Homes (11% of total homes ) built between 1950 to 1959 in Rockland are paying home insurance between $1,256-$1,266. Places close to Rockland, ME such as Rockport, Owls Head, South Thomaston are more expensive by $106, $55, $37 respectively while Waldoboro and Somerville are cheaper by $19 and $23 respectively for similar homes.
  • Bedrooms: 694 1 bedroom homes (18% of total homes ) in Rockland are paying about $389. Areas near to Rockland such as Rockport, Owls Head, South Thomaston are costlier by $31, $16, $17 respectively whereas Waldoboro and Washington are more economical by $6, $3 respectively for similar homes.
  • Auto Insurance Bundling: 225 Households (11% of all households) in Rockland have 3 or more vehicles available and when it is bundled with home insurance you can save $167. Discounts for similar bundling in close by locations such as Thomaston, Rockport, Owls Head come to $167, $181, $174 respectively.
  • Senior Discounts: 1,077 seniors (more than 55 years) occupied housing units (54% of total) in Rockland get discounts between $99 to $101. The comparative concessions in proximate regions such as Thomaston, Rockport and Owls Head are $100, $108 and $104 respectively.
  • New Homes discounts: New homes such as the 893 homes built between 2000 to 2009 in Rockland can save $133 compared to Thomaston ($134), Rockport ($144), Owls Head ($139).

Rockland Homeowners insurance Facts

  • Rockland, ME has 1,968 owner occupied houses which is 58.9% of all units whereas Thomaston, Rockport and Owls Head have 68.8%, 83.93% and 88.69% respectively.
  • Rockland, ME homeowners yearly insurance price at $669 is 0.4% of the typical house value of $168,700 which is in contrast with 0.38% in Thomaston, 0.22% at Rockport & 0.28% in Owls Head.
  • Homeowners in Rockland, ME pay 2.97% of their income ($20,000 to $24,999) in insurance whereas homeowners in Thomaston, Rockport and Owls Head pay 2.98%, 3.22% and 3.1% respectively.
  • Rockland, ME’s insurance is 4.2% of monthly housing costs of $1,333/month, for owners with a mortgage compared to 3.98% in Thomaston, 3.96% at Rockport & 3.72% in Owls Head. But, for households without a mortgage, insurance is 10.2% of costs ($548 in Rockland, ME) in contrast with 8.92% in Thomaston, 7.89% at Rockport & 11.92% in Owls Head.

Rockland, ME Home Values & Insurance rates

For example, insurance for 96 Homes (5.0% of total homes ) valued between $300,000 to $399,999 in Rockland, ME is about $1,384. Rates in nearby areas in such as Thomaston, Rockport, Owls Head are cheaper by $49, $610, $421 respectively while Warren and Waldoboro are costlier by $18 and $230 respectively for similar homes.

Rockland, ME Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 126 6.0% $93
$60,000 to $69,999 33 1.0% $254
$70,000 to $79,999 47 2.0% $294
$80,000 to $89,999 141 7.0% $334
$90,000 to $99,999 39 2.0% $374
$100,000 to $124,999 279 15.0% $434
$125,000 to $149,999 202 11.0% $541
$150,000 to $174,999 142 7.0% $642
$175,000 to $199,999 236 13.0% $742
$200,000 to $249,999 340 18.0% $889
$250,000 to $299,999 122 6.0% $1090
$300,000 to $399,999 96 5.0% $1384

Renters Insurance in Rockland

  • Average Renters Insurance in Rockland :  $157($13/month)

  • Median Gross Rent in Rockland :  $724

  • Rockland Renters Insurance to Median Rent Ratio:  1.8%

  • Renter occupied housing units in Rockland :  1,372

Rockland Renters Insurance as a Percentage of Rent

Rockland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 17 1.0% $339
$200 to $299 156 11.0% $789
$300 to $499 86 6.0% $1239
$500 to $749 460 34.0% $1914
$750 to $999 424 31.0% $2664
$1,000 to $1,499 191 14.0% $3789

Rent Affordability in Rockland:

Approximately 53.0% (737) of households are spending more than 35% of their income on gross rent in Rockland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 25 1.0%
15.0 to 19.9 percent 140 10.0%
20.0 to 24.9 percent 151 11.0%
25.0 to 29.9 percent 188 13.0%
30.0 to 34.9 percent 131 9.0%
35.0 percent or more 737 53.0%

Rockland Renters Insurance Discounts:

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

Number of Vehicles in Rockland, ME Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 721 52.0% $15.7
2 vehicles available 309 22.0% $23.55
3 or more vehicles available 18 1.0% $31.4

Rockland Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 67 4.0% $72
60 to 64 years 107 7.0% $57
65 to 74 years 64 4.0% $47
75 years and over 226 16.0% $36

Protective device discount in Rockland Up to :  $23

Claims-free discount in Rockland Up to :  $31