Ayer Insurance Rates:

Ayer, MA homeowners insurance is approximately $878 to $1,202, about $73-$100/month. Our comprehensive guide shows customers can save upto $416 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ayer, MA Homeowners Insurance By Home Value

Ayer, MA Home Value Total Homes % of Total Average Ayer, MA Homeowners Insurance
Less than $50,000 47 3.0% $83
$60,000 to $69,999 16 1.0% $218
$100,000 to $124,999 23 1.0% $374
$150,000 to $174,999 188 13.0% $562
$175,000 to $199,999 83 6.0% $655
$200,000 to $249,999 278 20.0% $780
$250,000 to $299,999 280 20.0% $957
$300,000 to $399,999 454 32.0% $1217

Top Home Insurance Agents Near Ayer, MA

Home Insurance Company Near Ayer, MA Homeowners Insurance Agency Near Ayer, MA Address
Travelers W G Bridges & Sons Insurance 95 Pleasant Street , South Weymouth, MA, 2190
NA Paul F. Cantiani Insurance Agency 318 Plantation Street, Worcester, MA, 1604
NA Monadnock Insurance Agency, Inc. 19 Turnpike Rd, Jaffrey, NH, 3452
Allstate Sahonny N Nunez 791 Broad St, Central Falls, RI, 2863
Liberty Mutual Suzi Bard 22 Bridge St. Unit 7, Concord, NH, 3301

Cost Of Homeowners Insurance By Street Near Ayer, MA

Streets in Ayer Area Homeowners Insurance Cost
Taft St, Bishop Rd, Groton-Harvard Rd, Groton School Rd, Myrick St, Old Sandy Pond Rd, Lilac Ln, Angard Ln, Auman St, Bligh St$1,037
Pingry Way, Wagon Rd, Victor Dr, Jonathan Dr, Patricia Dr, Wachusett Ave, Bennetts Xing, Groton-Shirley Rd, Sandras Pt, Iris Ave$1,034
Wright Way, Sculley Rd, Pine Ridge Dr, Buena Vista St, Groveland St, Lawton St, Orchid Ln, Linden Ct, Macarthur Ave, New England Way$1,043
Orion Park Dr, Sherman Ave, Western Dr, Mountainview Ave, Mulberry Cir, Fitchburg Rd, Mark St, Doug Rd, Daybrook Dr, Mountain Laurel Rd$1,047
Vermark St, Mechanic St Exd, Markham Cir, Whitcomb Ave, Raddison Rd, W Wachusett Ave, Patriot Way, Hatch Rd, Barnum Rd, Willard Ct$1,039

Ayer, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ayer$154 to $157
Devens$155
Groton$163
Harvard$170

Ayer, 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
Devens CDP, Massachusetts $130 $173 $259
Groton town, Middlesex County, Massachusetts $136 $181 $272
Shirley town, Middlesex County, Massachusetts $130 $173 $259

Ayer, 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
Ayer, MA4.4%11.7%
Groton3.42%10.57%
Shirley4.15%15.07%
Harvard3.05%9.51%

Ayer Renters Insurance as a Percentage of Rent

Ayer Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 27 2.0% $806
$300 to $499 46 3.0% $1256
$500 to $749 156 12.0% $1931
$750 to $999 427 34.0% $2681
$1,000 to $1,499 332 26.0% $3806
$1,500 or more 246 19.0% $5456

Ayer, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Ayer Homeowner Insurance Premium Example $2,900$2,300
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $21,300$20,100
Net Savings to Ayer Home Owner from High Deductible Plan $1,200

Ayer, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ayer, MA Home Replacement Value MORE than Home Value Ayer, MA Home Replacement Value LESS than Home Value
Replacement Value $360,000 $247,000
Insurance Premium based on Replacement Value $2,700 $1,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $50,500 Risk Exposure from Under Insuring Coverage is $62,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $375/year

Example Ayer Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualChubb Group of Insurance
Monthly Premium 33018776
Year Built 200720141942
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$250000-$300000$150000-$175000
Deductible $500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 315,000 Slate Shingles Roof 1,770 4 $5000 to $10,000 Deductible 540 5 Stone Siding yes
2014 530,000 Membrane Roof 3,460 5 $500- $1000 Deductible 1000 4 Vinyl siding yes
1983 425,000 Wood Shake Roof 3,250 4 $500 Deductible 2470 10 Wood siding No
1949 120,000 Membrane Roof 980 2 $500- $1000 Deductible 170 3 Stone Siding yes
1979 220,000 Slate Shingles Roof 1,620 4 $1000-$2500 Deductible 1140 8 Stucco siding yes
2002 195,000 Tile Roof 1,170 2 $5000 to $10,000 Deductible 570 6 Wood siding yes
2010 215,000 Wood Shake Roof 1,200 2 $500 Deductible 690 4 Wood siding yes
1942 230,000 Asphalt Shingles Roof 1,290 3 $500 Deductible 1620 10 Fiber-Cement Siding No
1986 155,000 Shingles Roof 1,010 2 $500 Deductible 640 7 Wood siding yes
1945 400,000 Composition Roof 3,140 4 $5000 to $10,000 Deductible 1640 12 Brick siding No
2013 375,000 Membrane Roof 2,440 5 $2500-$5000 Deductible 790 4 Wood siding yes
2009 430,000 Membrane Roof 2,350 3 > $10,000 Deductible 1410 10 Fiber-Cement Siding No
2010 430,000 Tile Roof 2,830 4 $2500-$5000 Deductible 320 2 Vinyl siding yes
1989 215,000 Asphalt Shingles Roof 1,540 5 > $10,000 Deductible 60 1 Stone Siding yes
1971 200,000 Wood Shake Roof 1,420 2 $5000 to $10,000 Deductible 190 2 Wood siding yes
1973 680,000 Metal Roof 4,210 5 $1000-$2500 Deductible 1030 2 Brick siding yes
1948 250,000 Shingles Roof 1,490 2 $1000-$2500 Deductible 860 6 Wood siding No
2004 130,000 Membrane Roof 1,020 2 $500 Deductible 220 3 Fiber-Cement Siding No
1976 245,000 Tile Roof 1,770 2 $1000-$2500 Deductible 550 4 Brick siding No
1971 530,000 Asphalt Shingles Roof 3,340 4 $500- $1000 Deductible 2490 8 Vinyl siding No
2014 135,000 Membrane Roof 1,030 2 $2500-$5000 Deductible 430 7 Stone Siding No
2010 250,000 Tile Roof 1,790 3 $500- $1000 Deductible 610 5 Stucco siding yes
1974 590,000 Slate Shingles Roof 3,370 4 $1000-$2500 Deductible 230 1 Vinyl siding No
1976 205,000 Metal Roof 1,220 3 $500- $1000 Deductible 520 4 Brick siding yes
2001 710,000 Composition Roof 3,880 5 $2500-$5000 Deductible 2910 9 Stone Siding No
1941 605,000 Tile Roof 3,840 5 > $10,000 Deductible 180 1 Stone Siding No
2003 585,000 Membrane Roof 3,280 4 $500- $1000 Deductible 1710 6 Fiber-Cement Siding No
1986 265,000 Tile Roof 1,480 2 $2500-$5000 Deductible 700 6 Vinyl siding yes