Adams Insurance Rates:

Adams, MA homeowners insurance is approximately $845 to $1,144, about $70-$95/month. Our exhaustive research shows customers can save as much as $397 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Adams, MA Homeowners Insurance By Home Value

Adams, MA Home Value Total Homes % of Total Average Adams, MA Homeowners Insurance
Less than $50,000 164 7.0% $159
$50,000 to $59,999 41 1.0% $328
$60,000 to $69,999 40 1.0% $417
$70,000 to $79,999 25 1.0% $477
$80,000 to $89,999 115 5.0% $546
$90,000 to $99,999 84 3.0% $606
$100,000 to $124,999 230 10.0% $705
$125,000 to $149,999 344 15.0% $874
$150,000 to $174,999 438 20.0% $1043
$175,000 to $199,999 268 12.0% $1202
$200,000 to $249,999 216 9.0% $1441
$250,000 to $299,999 130 5.0% $1769
$300,000 to $399,999 84 3.0% $2246

Top Home Insurance Agents Near Adams, MA

Home Insurance Company Near Adams, MA Homeowners Insurance Agency Near Adams, MA Address
Liberty Mutual Leon Blake 175 Dwight Road Ste 100, Longmeadow, MA, 1106
NA Dale Macneil 244 Rexleigh Rd , Salem, NY, 12865
NA Bardwell, Bowlby & Karam Insurance Agency, Inc. 87 East St, Pittsfield, MA, 1201
NA Charles Phykitt Ins. Agency, Inc. 85 Main Street North Adams, North Adams, MA, 1247
Travelers Commercial Coverage Inc 220 Church Ave 220 Church Ave Ballston Spa, Ballston Spa, NY, 12020

Cost Of Homeowners Insurance By Street Near Adams, MA

Streets in Adams Area Homeowners Insurance Cost
Jenks St, Gavin Ave, Pearl St, Daniels Ct, Tramway Dr, Mountain View Dr, Allen St, Fisk St, W Burt St, W Maple St$989
Simon Ave, Fisk Rd, Edmunds St, Upper E Hoosac St, Orcutt St, Ruel St, Cedar Ln, Grove Ave, Berkshire Sq, Miller St$996
Crotteau St, Cook St, Burnett St, Turners Ave, Arnold Ave, Hayer St, Manners Ave, Hathaway St, 1 St, Glen St$992
Weber St, Crandall St, Dean Dr, N Summer St, State Rte 116, Richmond St, Country Rd, Wilfred Ave, Upper Linden St, Tracie Ave$992
Forest Park Ave, Columbia St, Garfield Ave, Ambrose Dr, Powers St, Hoosac St, W Pine St, Donald Ave, Autumn Dr, Plunkett Ln$994

Adams, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Adams$148 to $151
North Adams$148
Cheshire$151
Savoy$150

Adams, MA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
North Adams city, Massachusetts $124 $165 $248
Cheshire town, Berkshire County, Massachusetts $126 $168 $252
Savoy town, Berkshire County, Massachusetts $125 $167 $250

Adams, MA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Adams, MA6.5%17.0%
North Adams6.98%18.11%
Cheshire6.08%20.19%
Savoy6.22%18.19%

Adams Renters Insurance as a Percentage of Rent

Adams Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 157 11.0% $828
$300 to $499 223 16.0% $1278
$500 to $749 566 41.0% $1953
$750 to $999 295 21.0% $2703
$1,000 to $1,499 108 7.0% $3828
$1,500 or more 30 2.0% $5478

Adams, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Adams Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,500$6,900
Net Savings to Adams Home Owner from High Deductible Plan $600

Adams, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Adams, MA Home Replacement Value MORE than Home Value Adams, MA Home Replacement Value LESS than Home Value
Replacement Value $164,000 $107,500
Insurance Premium based on Replacement Value $1,075 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $19,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $250/year

Example Adams Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAllstate
Monthly Premium 92216131
Year Built 196019421966
Home Details 3 Beds, 2 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$400000-$500000$200000-$250000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Adams, MA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 320,000 Membrane Roof 3,730 5 $5000 to $10,000 Deductible 1110 9 Vinyl siding yes
1961 150,000 Asphalt Shingles Roof 1,650 4 $1000-$2500 Deductible 460 7 Stone Siding No
1940 140,000 Membrane Roof 1,420 3 $2500-$5000 Deductible 110 2 Vinyl siding yes
1949 175,000 Composition Roof 1,660 4 $5000 to $10,000 Deductible 350 8 Stone Siding yes
1943 295,000 Tile Roof 2,850 5 > $10,000 Deductible 950 9 Brick siding yes
1965 235,000 Wood Shake Roof 2,430 5 $500 Deductible 480 4 Fiber-Cement Siding No
1962 120,000 Asphalt Shingles Roof 1,430 2 $2500-$5000 Deductible 130 3 Stucco siding yes
1962 115,000 Membrane Roof 1,220 3 $1000-$2500 Deductible 860 10 Wood siding yes
1967 185,000 Slate Shingles Roof 2,140 4 $500- $1000 Deductible 1660 12 Brick siding No
1949 180,000 Wood Shake Roof 1,600 2 $500 Deductible 1020 7 Vinyl siding yes
1940 170,000 Shingles Roof 2,300 4 $5000 to $10,000 Deductible 300 3 Brick siding yes
1945 355,000 Composition Roof 4,100 5 $500 Deductible 2300 12 Vinyl siding yes
1966 190,000 Composition Roof 2,380 5 $1000-$2500 Deductible 380 4 Brick siding yes
1947 130,000 Composition Roof 1,250 3 $500 Deductible 900 12 Fiber-Cement Siding yes
1948 100,000 Tile Roof 910 2 $500- $1000 Deductible 620 10 Fiber-Cement Siding yes
1941 135,000 Asphalt Shingles Roof 1,470 2 $500- $1000 Deductible 490 5 Brick siding No
1944 395,000 Slate Shingles Roof 3,700 5 > $10,000 Deductible 290 2 Stone Siding No
1942 325,000 Shingles Roof 3,070 4 $1000-$2500 Deductible 340 2 Brick siding yes
1942 345,000 Asphalt Shingles Roof 3,390 4 $1000-$2500 Deductible 1580 12 Stone Siding No
1965 85,000 Metal Roof 1,060 2 $1000-$2500 Deductible 320 7 Fiber-Cement Siding yes
1944 110,000 Membrane Roof 1,290 2 $1000-$2500 Deductible 270 5 Stone Siding yes
1969 505,000 Slate Shingles Roof 4,950 5 > $10,000 Deductible 350 2 Wood siding yes
1940 175,000 Asphalt Shingles Roof 1,870 4 $500 Deductible 1280 12 Fiber-Cement Siding yes
1962 265,000 Tile Roof 2,840 4 $1000-$2500 Deductible 700 5 Stucco siding yes
1965 175,000 Shingles Roof 1,940 3 $1000-$2500 Deductible 160 2 Stone Siding yes
1964 185,000 Shingles Roof 1,630 2 $2500-$5000 Deductible 140 1 Stucco siding yes
1940 260,000 Metal Roof 2,520 5 $500- $1000 Deductible 1550 12 Stone Siding yes
1942 115,000 Membrane Roof 1,070 2 $500- $1000 Deductible 460 10 Wood siding No