Charlestown, RI homeowners insurance is approximately $945 to $1,294, about $78-$107/month. Our extensive analysis shows customers can save as much as $447 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Charlestown, RI | Homeowners Insurance Agency Near Charlestown, RI | Address |
|---|---|---|
| State Farm | Paul Catalano | 87 Lebanon Ave, Colchester, CT, 06415-1293 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Quonochontaug CDP, Rhode Island | $185 | $247 | $371 |
| Washington County, Rhode Island | $169 | $225 | $338 |
| Bradford CDP, Rhode Island | $164 | $219 | $329 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Charlestown, RI | 5.5% | 16.5% |
| Quonochontaug | 6.41% | 15.44% |
| Washington County | 4.61% | 13.71% |
| Weekapaug | 6.59% | 14.55% |
| Charlestown Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 24 | 5.0% | $332 |
| $300 to $499 | 17 | 3.0% | $1232 |
| $500 to $749 | 48 | 10.0% | $1907 |
| $750 to $999 | 61 | 13.0% | $2657 |
| $1,000 to $1,499 | 223 | 47.0% | $3782 |
| $1,500 or more | 92 | 19.0% | $5432 |
| Streets in Charlestown Area | Homeowners Insurance Cost |
|---|---|
| Arnold St, Zackery Bend, Woodcock Trl, Peckham Hollow Rd, Ridgewood Rd, Pioneer Trl, Powaget Ave, Oak Hollow Ln, Blueberry Hill Dr, Watchaug Ln | $1,105 |
| Burdickville Rd, Old Coach Rd, General Stanton Ln, E Overlook Ter, Edgeware St, Crosspatch Rd, Kenyon Ave, Richard St, Biscuit City Rd, Birch Rd | $1,130 |
| Botka Dr, Boulder Ave, North Ave, Gardner Rd, Traymore St, Charter Ct, Country Dr, Autumn Rd, Laurel Rd, Spray St | $1,113 |
| W Willow Ln, Muratore Ln, E Pasquiset Trl, Rose Ct, New Biscuit City Rd, Clearview Rd, E Central Ave, S Bayberry Ln, Whipple Dr, Moulton Pl | $1,102 |
| Shore Way, Clarkin Pond Rd, School House Pond Rd, Crestwood Ln, Burdick St, Columbia Heights Oval, Ram Island Rd, Marion Dr, Sea Lea Ave, Burnham St | $1,124 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Charlestown | $166 to $169 |
| Quonochontaug | $185 |
| Washington County | $169 |
| Bradford | $164 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $8,900 |
| Yearly Charlestown Homeowner Insurance Premium Example | $4,800 | $3,400 |
| Out of Pocket Expense During Claim | $1,900 | $8,900 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $30,700 | $29,300 |
| Net Savings to Charlestown Home Owner from High Deductible Plan | $1,400 | |
| Scenario | Charlestown, RI Home Replacement Value MORE than Home Value | Charlestown, RI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $383,000 | $281,500 |
| Insurance Premium based on Replacement Value | $3,725 | $2,725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $57,500 | Risk Exposure from Under Insuring Coverage is $44,000 |
| Premium Impact | Insurance cheaper by $425/year | Insurance costlier by $575/year |
| Insurance Company | Liberty Mutual | State Farm | Allstate |
| Monthly Premium | 193 | 166 | 339 |
| Year Built | 1980 | 1998 | 1942 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $250000-$300000 | $500000-$600000 |
| Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |