Cambridge Insurance Rates:

Cambridge, MA homeowners insurance is nearly $947 to $1,292, about $78-$107/month. Our exhaustive analysis shows customers can save as much as $447 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The same thing doesn't have really anything positive to say about allstate. maybe one or two good moments with them so far
I don't like that my rate is relatively high with allstate. i am looking for cheaper insurance bundles with other insurance companies.
The hassle-free environment is great because when i got my roof redone due to hail, they came and had someone out here to fix it; they were professional and courteous.
State Farm
The website is easy to use and pay premiums on. They provide a simple system to allow payments without needing to recall usernames and passwords. I really like that!
State Farm
I like everything about my insurance company. I've never had a problem with them period. Everything has always gone south when I needed help from them.
Farmer's Insurance
The only thing I dislike about the company is not having the ability to make changes or really shop for options on our homeowners insurance on the website. We live in a day and age where just about everything is done electronically to help save people a lot of time and money, but if we want to do anything with the policy we need to sit and make a phone call for a lengthy amount of time or we need to schedule an appointment to sit with our agent to make any changes. I wish it was more interactive.
Ameriprise Financial
I think since I bundle with my auto insurance that I am getting a reasonable rate. When I have checked with other companies they have been similar. I like the idea of keeping my insurance with one company for convenience.
Homesite Insurance
Premium is too high; however, I live in the country, where I am not close to a fire hydrant, so they really ding me.
Okay, prices.. though could be better. Customer service and agent are good and never had an issue with them. The one time I had to submit a claim it went without a problem so that is always a plus
All State
The reason we switched to our current provider is that we were paying $1600 a year in comparison to the $800 we are paying now. Our policy had gone up $800 in the four years we had owned our house before we switched. No one at that company could explain why.

Cambridge, MA Homeowners Insurance By Home Value

Cambridge, MA Home Value Total Homes % of Total Average Cambridge, MA Homeowners Insurance
Less than $50,000 160 3.0% $44
$100,000 to $124,999 75 1.0% $223
$125,000 to $149,999 65 1.0% $279
$150,000 to $174,999 124 2.0% $324
$175,000 to $199,999 98 2.0% $380
$200,000 to $249,999 425 9.0% $458
$250,000 to $299,999 665 14.0% $559
$300,000 to $399,999 2,871 62.0% $716

Top Home Insurance Agents Near Cambridge, MA

Home Insurance Company Near Cambridge, MA Homeowners Insurance Agency Near Cambridge, MA Address
NA Aaa Insurance Agency Inc 214 Broadway, Saugus, MA, 1906
NA Millenium Insurance Agency 1245 Hancock St #30 , Quincy, MA, 2169
Travelers Chase And Lunt Llc 65 PARKER ST, NEWBURYPORT, MA, 1950
Liberty Mutual Jeannine W Curley 30 Nagog Park, Acton, MA, 1720
Travelers W G Bridges & Sons Insurance 95 Pleasant Street , South Weymouth, MA, 2190

Cost Of Homeowners Insurance By Street Near Cambridge, MA

Streets in Cambridge Area Homeowners Insurance Cost
Walker Street Pl, Max Ave, Brattle Cir, Old Dee Rd, Story St, Vassal Ln, Chapman Pl, Jackson Pl, Appleton Rd, Greenough Blvd$None
Sciarappa St, Agassiz St, Dunster St, Saint Saveur Ct, Aberdeen Way, Riedesel Ave, York St, Churchill Ave, Walnut Ave, Hews St$1,090
Avon Hill St, Hillside Pl, Sellers St, Bates St, Griswold St, Larchwood Dr, Appian Way, Mooney St, Fort Washington Pl, Kirkland St$1,223
Lancaster St, White Street Pl, Newman St, Spring Pl, Ellsworth Ave, Francis Ave, Locust Ter, Rindge Ave, Bishop Richard Allen Dr, Deacon St$1,123
Walbro St, Kinnaird St, Winslow St, Hurlbut St, Seagrave Rd, Avon Hill St, Stinson Ct, Pilgrim St, Eliot Sq, Chetwynd Rd$1,108

Cambridge, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cambridge$166 to $168

Cambridge, 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
Somerville city, Massachusetts $163 $217 $326
Watertown Town city, Massachusetts $162 $216 $324
Medford city, Massachusetts $160 $213 $320

Cambridge, 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
Cambridge, MA3.8%12.3%
Watertown Town3.76%11.05%

Cambridge Renters Insurance as a Percentage of Rent

Cambridge Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 544 1.0% $317
$200 to $299 898 3.0% $767
$300 to $499 1,532 5.0% $1217
$500 to $749 1,474 5.0% $1892
$750 to $999 1,759 6.0% $2642
$1,000 to $1,499 6,366 22.0% $3767
$1,500 or more 15,548 55.0% $5417

Cambridge, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Cambridge Homeowner Insurance Premium Example $2,700$2,300
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $23,400$22,200
Net Savings to Cambridge Home Owner from High Deductible Plan $1,200

Cambridge, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cambridge, MA Home Replacement Value MORE than Home Value Cambridge, MA Home Replacement Value LESS than Home Value
Replacement Value $1,170,000 $820,000
Insurance Premium based on Replacement Value $8,650 $6,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $180,000 Risk Exposure from Under Insuring Coverage is $170,000
Premium Impact Insurance cheaper by $1,250/year Insurance costlier by $1,325/year

Example Cambridge Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyAllstate
Monthly Premium 148311236
Year Built 194319431947
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $250000-$300000$500000-$600000$500000-$600000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 375,000 Membrane Roof 1,440 3 > $10,000 Deductible 850 6 Stucco siding No
1940 475,000 Composition Roof 1,990 3 $2500-$5000 Deductible 180 1 Fiber-Cement Siding yes
1942 615,000 Shingles Roof 2,050 3 > $10,000 Deductible 730 4 Fiber-Cement Siding No
1946 415,000 Membrane Roof 1,490 2 $500- $1000 Deductible 630 3 Stucco siding yes
1948 520,000 Membrane Roof 2,130 4 $500- $1000 Deductible 950 3 Brick siding yes
1943 375,000 Asphalt Shingles Roof 1,520 3 $2500-$5000 Deductible 1200 7 Vinyl siding yes
1948 230,000 Membrane Roof 900 2 $2500-$5000 Deductible 1130 10 Vinyl siding yes
1940 425,000 Composition Roof 1,540 3 $5000 to $10,000 Deductible 1780 9 Wood siding No
1940 400,000 Membrane Roof 1,920 4 > $10,000 Deductible 660 4 Stone Siding No
1945 255,000 Asphalt Shingles Roof 1,000 2 > $10,000 Deductible 320 4 Brick siding yes
1944 410,000 Composition Roof 1,440 3 $1000-$2500 Deductible 660 3 Stone Siding No
1940 580,000 Tile Roof 2,190 4 $2500-$5000 Deductible 2390 9 Wood siding yes
1949 225,000 Shingles Roof 1,070 2 $1000-$2500 Deductible 530 6 Stucco siding yes
1940 520,000 Metal Roof 2,240 3 $1000-$2500 Deductible 2790 10 Vinyl siding No
1943 440,000 Membrane Roof 1,440 2 > $10,000 Deductible 260 2 Stucco siding yes
1936 855,000 Shingles Roof 1,447 3 > $10,000 Deductible 10120 10 Fiber-Cement Siding No