Central Falls Insurance Rates:

Central Falls, RI homeowners insurance is nearly $901 to $1,228, about $75-$102/month. Our in depth research reveals consumers can save upto $426 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I think the premium is very high, to be honest, I don't think anyone with a low paying job would be able to afford that amount every month. I would like it to be a bit lower despite me being able to pay for it. Other companies don't really offer anything better for my home specifically.
Aaa
I had requested auto-payment, auto-withdrawal from my bank account when setting up the policy and I was just billed. Just a little of a pain, but when I called, they took care of it and said next payment will be auto-withdrawn....waiting to see.
Travelers
I have not had to use the website for anything other than to view a copy of my policy. I have not had to file a claim yet.
Allstate
The agent waves to me when I pass the office and is always available for a quick question or a more complex issue.
State Farm
I feel like when we call or need them, they do consider how long we've stayed a customer and they try to help us out as much as they can. i do feel like a valued customer.
Encompass Insurance
While it is nice to have one dedicated person to talk to, this often leads to informal interactions with the agent which can cause worry or stress about the professional demeanor of the business
Liberty Mutual
Liberty mutual makes it very easy to combine all of our insurance needs into one place. it's easy to combine with our auto policy and they even offer a discount for it!

Central Falls, RI Homeowners Insurance By Home Value

Central Falls, RI Home Value Total Homes % of Total Average Central Falls, RI Homeowners Insurance
Less than $50,000 38 2.0% $138
$50,000 to $59,999 25 1.0% $298
$70,000 to $79,999 53 3.0% $426
$90,000 to $99,999 27 1.0% $543
$100,000 to $124,999 139 8.0% $628
$125,000 to $149,999 129 8.0% $788
$150,000 to $174,999 286 18.0% $926
$175,000 to $199,999 240 15.0% $1075
$200,000 to $249,999 323 20.0% $1288
$250,000 to $299,999 214 13.0% $1576
$300,000 to $399,999 82 5.0% $2002

Top Home Insurance Agents Near Central Falls, RI

Home Insurance Company Near Central Falls, RI Homeowners Insurance Agency Near Central Falls, RI Address
NA Fbinsure 148 West Grove St Middleboro, Middleborough, MA, 2346
Travelers Child-Genovese Insurance Agency Inc 107 SOUTH ST, HINGHAM, MA, 2043
Travelers Eastern Insurance Associates Inc 6 STORRS RD STE 5, WILLIMANTIC, CT, 6226
Travelers Esten & Richard Agency Inc 342 PARK AVE, WOONSOCKET, RI, 2895
Travelers First Trust Insurance Group Llc 50 RESNIK ROAD STE 104, PLYMOUTH, MA, 2360

Cost Of Homeowners Insurance By Street Near Central Falls, RI

Streets in Central Falls Area Homeowners Insurance Cost
Richardson St, Sacred Heart Ave, Hendricks St, E Wood St, Richmond St, Tucker St, Hunt St, Aetna St, Sumner Ave, Fuller Ave$1,078
Higginson Ave, Claremont St, Martins Way, Fletcher St, Conduit St, Richardson St, Madeira Ave, Phoenix St, Clifton St, Fletcher St$1,062
Foundry St, Sylvian St, Oakland St, Cowden St, Sheridan St, Watson St, Chases Ln, Butler Ave, Jenks Ave, Rand St$1,057
Shawmut Ave, Temple Pl, Barber Ave, Hunt St, Foundry St, Hawes St, Fuller Ave, Prime St, Madison Ave, Hedley Ave$1,083
Darling St, Emmett St, Samoset Ave, Ledge St, Hollie St, Clinton St, Jenks St, Eben Brown Ln, Clay St, Crossman St$1,035

Central Falls, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Central Falls$158 to $160
Pawtucket$160
Valley Falls$163
North Seekonk$154

Central Falls, RI Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Pawtucket city, Rhode Island $161 $214 $321
Valley Falls CDP, Rhode Island $163 $217 $326
North Seekonk CDP, Massachusetts $155 $206 $309

Central Falls, RI 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
Central Falls, RI4.5%14.6%
Pawtucket5.03%15.31%
Valley Falls4.85%15.76%
North Seekonk4.33%16.54%

Central Falls Renters Insurance as a Percentage of Rent

Central Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 78 1.0% $354
$200 to $299 454 9.0% $804
$300 to $499 365 7.0% $1254
$500 to $749 1,355 27.0% $1929
$750 to $999 1,677 33.0% $2679
$1,000 to $1,499 1,038 20.0% $3804

Central Falls, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Central Falls Homeowner Insurance Premium Example $2,400$2,000
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,700$16,900
Net Savings to Central Falls Home Owner from High Deductible Plan $800

Central Falls, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Central Falls, RI Home Replacement Value MORE than Home Value Central Falls, RI Home Replacement Value LESS than Home Value
Replacement Value $195,000 $150,000
Insurance Premium based on Replacement Value $1,725 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $200/year

Example Central Falls Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmica Mutual Insurance CompanyState Farm
Monthly Premium 51103157
Year Built 194319431945
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $50000-$75000$175000-$200000$250000-$300000
Deductible $500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Central Falls, RI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 280,000 Slate Shingles Roof 2,550 4 $500- $1000 Deductible 390 2 Stucco siding yes
1941 235,000 Wood Shake Roof 1,880 3 $500 Deductible 1190 7 Vinyl siding No
1942 320,000 Shingles Roof 3,150 4 $500- $1000 Deductible 1300 6 Stone Siding No
1948 280,000 Composition Roof 2,500 4 $1000-$2500 Deductible 1130 6 Stone Siding No
1948 100,000 Membrane Roof 990 2 $500- $1000 Deductible 450 5 Brick siding yes
1943 165,000 Wood Shake Roof 1,810 3 $5000 to $10,000 Deductible 330 4 Brick siding yes
1948 210,000 Shingles Roof 2,370 4 $500- $1000 Deductible 2260 12 Wood siding No
1946 205,000 Wood Shake Roof 1,820 4 $2500-$5000 Deductible 1260 9 Stucco siding yes
1948 135,000 Shingles Roof 1,270 2 $2500-$5000 Deductible 490 6 Wood siding No
1945 330,000 Shingles Roof 2,840 4 $5000 to $10,000 Deductible 1680 8 Wood siding No
1942 155,000 Metal Roof 1,480 2 $500- $1000 Deductible 550 4 Brick siding yes
1949 245,000 Membrane Roof 2,710 4 $500 Deductible 1940 9 Stucco siding No
1948 335,000 Composition Roof 3,240 4 $500- $1000 Deductible 2270 9 Wood siding yes
1940 300,000 Membrane Roof 2,380 4 $500- $1000 Deductible 1150 8 Vinyl siding No
1941 275,000 Composition Roof 2,370 4 $1000-$2500 Deductible 530 2 Brick siding yes
1942 225,000 Wood Shake Roof 2,140 4 $500 Deductible 1500 10 Vinyl siding No
1943 110,000 Tile Roof 930 2 $500- $1000 Deductible 200 2 Vinyl siding No
1947 105,000 Wood Shake Roof 980 2 $1000-$2500 Deductible 440 4 Stucco siding yes
1941 110,000 Membrane Roof 1,090 2 $500- $1000 Deductible 510 5 Stone Siding yes
1940 125,000 Slate Shingles Roof 1,220 2 $1000-$2500 Deductible 350 5 Wood siding yes
1941 145,000 Tile Roof 1,280 2 $500 Deductible 680 5 Stucco siding yes
1949 230,000 Slate Shingles Roof 2,190 3 $2500-$5000 Deductible 100 1 Stone Siding yes
1945 245,000 Shingles Roof 2,310 4 $2500-$5000 Deductible 130 1 Stone Siding No
1946 230,000 Asphalt Shingles Roof 1,930 3 $500 Deductible 620 4 Fiber-Cement Siding No