Andover Insurance Rates:

Andover, MA homeowners insurance is about $947 to $1,292, about $78-$107/month. Our complete analysis indicates shoppers can save upto $447 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
The staff are so helpful and work hard to be sure you get the best policy for the best price. they don't push "extras" but rather educate about the need for certain products. i feel like i make an informed decision.
State Farm
I do not like that once i file a certain amount of claims my insurance either goes up or they wont insure a new home purchase for a certain amount of time.
Farmer's Insurance
I like my insurance company because they made it so easy to get my homeowners insurance and be able to bundle it with my auto.
State Farm
I only deal with the local office, and they are very friendly and helpful. They know me by name, and they seem to be knowledgeable about their products and services.
State Farm
The communication is very important with my insurance. I enjoy talking to my insurer.
State Farm
I dislike that the company’s app is not very user-friendly. I have some trouble navigating the website and connecting with a real person when I try to use the website, so I often use the phone line instead.
State Farm
Of course, we would all like a lower premium, but we have been happy with the premium we are charged given the coverage as compared to other companies
State Farm
I like that the home insurance premium was less than my other insurances and the deductibles are lower. They offer convenient communication to change anything as well in a timely manner.

Andover, MA Homeowners Insurance By Home Value

Andover, MA Home Value Total Homes % of Total Average Andover, MA Homeowners Insurance
Less than $50,000 44 2.0% $44
$50,000 to $59,999 24 1.0% $100
$100,000 to $124,999 99 4.0% $223
$125,000 to $149,999 72 3.0% $279
$150,000 to $174,999 164 8.0% $324
$175,000 to $199,999 181 9.0% $380
$200,000 to $249,999 291 14.0% $458
$250,000 to $299,999 221 11.0% $559
$300,000 to $399,999 868 43.0% $716

Top Home Insurance Agents Near Andover, MA

Home Insurance Company Near Andover, MA Homeowners Insurance Agency Near Andover, MA Address
NA Lashua-Lachance & Poliks Insurance Agency, Inc. 9 Green Street, Gardner, MA, 1440
NA Pacific Insurance Agency 578 Columbia Road Dorchester, Boston, MA, 2125
Travelers Cabot Risk Strategies Llc 15 Cabot Rd, Woburn, MA, 1801
Liberty Mutual Jeannine W Curley 30 Nagog Park, Acton, MA, 1720
Liberty Mutual Independent Macdonald & Vaccaro 9 BEDFORD ST, BURLINGTON, MA, 1803

Cost Of Homeowners Insurance By Street Near Andover, MA

Streets in Andover Area Homeowners Insurance Cost
Wedgewood Dr, Golden Oaks Ln, Chadwick Cir, Starr Ave E, Virginia Rd, Cedar Rd, Cormiers Way, Ballardvale St, Forest Hill Dr, Lovejoy Rd$1,145
Cheever Cir, Douglass Ln, Mortimer Dr, Woodman Ridge Rd, Charlotte Dr, Waverly Dr, Sugarbush Ln, Co Rd 133, Devonshire Pl, Foxhill Rd$1,101
Cemetery Rd, Cindy Ln, Newport Cir, Sherbourne St, Granli Dr, Hartford Cir, Bartlet St, Lincoln Cir, Hansom Rd, Norwich Pl$1,084
Bowdoin Rd, High Plain Rd, Dufton Rd, Frontage Rd, Dumbarton St, Wintergreen Cir, Belle Haven Dr, Russett Ln, Sleepy Hollow Ln, Bailey Rd$1,134
Rasmussen Cir, Cullen Cir, Clinton Ct, Forbes Ln, Black Birch Way, Post Office Ave, Archer Ln, Highvale Ln, Tucker Rd, Enmore St$1,141

Andover, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Andover$167 to $170
Lawrence$152
North Andover$162
Tewksbury$157

Andover, 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
Lawrence city, Massachusetts $127 $169 $254
North Andover town, Essex County, Massachusetts $136 $181 $271
Tewksbury town, Middlesex County, Massachusetts $132 $175 $263

Andover, 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
Andover, MA3.3%9.6%
Lawrence4.35%14.85%
North Andover3.3%11.05%
Tewksbury3.82%12.65%

Andover Renters Insurance as a Percentage of Rent

Andover Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 54 2.0% $317
$200 to $299 247 12.0% $767
$300 to $499 240 11.0% $1217
$500 to $749 150 7.0% $1892
$750 to $999 239 11.0% $2642
$1,000 to $1,499 648 31.0% $3767
$1,500 or more 459 22.0% $5417

Andover, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Andover Homeowner Insurance Premium Example $2,400$1,900
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $15,600$14,600
Net Savings to Andover Home Owner from High Deductible Plan $1,000

Andover, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Andover, MA Home Replacement Value MORE than Home Value Andover, MA Home Replacement Value LESS than Home Value
Replacement Value $686,000 $514,500
Insurance Premium based on Replacement Value $6,450 $4,825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $57,000 Risk Exposure from Under Insuring Coverage is $114,500
Premium Impact Insurance cheaper by $1,075/year Insurance costlier by $550/year

Example Andover Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceAllstate
Monthly Premium 394225266
Year Built 199619811966
Home Details 5 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $700000-$800000$350000-$400000$700000-$800000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 415,000 Tile Roof 1,880 4 $500 Deductible 950 4 Wood siding yes
1975 390,000 Asphalt Shingles Roof 1,890 3 > $10,000 Deductible 1320 8 Stucco siding No
1961 500,000 Tile Roof 1,860 5 $2500-$5000 Deductible 3120 10 Vinyl siding No
1997 240,000 Shingles Roof 960 2 $5000 to $10,000 Deductible 820 7 Stone Siding No
1991 335,000 Slate Shingles Roof 1,470 2 $500- $1000 Deductible 2190 10 Stone Siding yes
1983 550,000 Membrane Roof 1,850 3 $500- $1000 Deductible 330 1 Vinyl siding yes
1988 470,000 Asphalt Shingles Roof 2,210 4 $1000-$2500 Deductible 2480 9 Fiber-Cement Siding yes
1966 365,000 Membrane Roof 1,400 2 $5000 to $10,000 Deductible 290 2 Fiber-Cement Siding No
1973 450,000 Tile Roof 1,840 5 $500- $1000 Deductible 1660 6 Fiber-Cement Siding No
1947 530,000 Asphalt Shingles Roof 1,960 3 $500- $1000 Deductible 3050 12 Fiber-Cement Siding No
1979 500,000 Metal Roof 2,070 4 $5000 to $10,000 Deductible 620 3 Stone Siding No
1998 345,000 Composition Roof 1,600 2 $1000-$2500 Deductible 380 2 Vinyl siding yes
1946 545,000 Composition Roof 1,780 4 $1000-$2500 Deductible 2230 8 Brick siding No
1991 860,000 Shingles Roof 3,680 5 $1000-$2500 Deductible 6200 12 Vinyl siding No
1993 420,000 Membrane Roof 1,440 2 $1000-$2500 Deductible 1220 5 Wood siding yes
1980 480,000 Shingles Roof 1,960 3 $500- $1000 Deductible 1040 3 Brick siding No
1981 390,000 Asphalt Shingles Roof 1,500 5 > $10,000 Deductible 1540 9 Wood siding No
1999 470,000 Asphalt Shingles Roof 1,610 3 $500- $1000 Deductible 1890 7 Fiber-Cement Siding No
1965 225,000 Slate Shingles Roof 920 2 > $10,000 Deductible 260 3 Stone Siding yes
1963 705,000 Shingles Roof 2,390 3 $500- $1000 Deductible 610 2 Fiber-Cement Siding No
1997 860,000 Composition Roof 3,180 4 $5000 to $10,000 Deductible 1220 3 Vinyl siding yes