Charlestown Insurance Rates:

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.

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Charlestown, RI Homeowners Insurance By Home Value

Charlestown, RI Home Value Total Homes % of Total Average Charlestown, RI Homeowners Insurance
Less than $50,000 45 2.0% $89
$60,000 to $69,999 22 1.0% $234
$100,000 to $124,999 88 4.0% $391
$150,000 to $174,999 59 3.0% $581
$175,000 to $199,999 44 2.0% $671
$200,000 to $249,999 468 25.0% $816
$250,000 to $299,999 450 24.0% $995
$300,000 to $399,999 671 35.0% $1264

Top Home Insurance Agents Near Charlestown, RI

Home Insurance Company Near Charlestown, RI Homeowners Insurance Agency Near Charlestown, RI Address
NA Donat Boisvert Insurance Agency 949 Ashley Blvd , New Bedford, MA, 2745
NA Stop & Save Insurance Llc 1020 Charles Street North , Providence, RI, 2904
NA Bayberry Insurance One Fort Hill Rd , Groton, CT, 6340
NA Aaa Insurance Agency Inc 405 Washington St South , Attleboro, MA, 2703
State Farm Paul Catalano 87 Lebanon Ave, Colchester, CT, 06415-1293

Cost Of Homeowners Insurance By Street Near Charlestown, RI

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

Charlestown, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charlestown$166 to $169
Quonochontaug$185
Washington County$169
Bradford$164

Charlestown, 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
Quonochontaug CDP, Rhode Island $185 $247 $371
Washington County, Rhode Island $169 $225 $338
Bradford CDP, Rhode Island $164 $219 $329

Charlestown, 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
Charlestown, RI5.5%16.5%
Quonochontaug6.41%15.44%
Washington County4.61%13.71%
Weekapaug6.59%14.55%

Charlestown Renters Insurance as a Percentage of Rent

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

Charlestown, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Charlestown, RI Home Insurance Costs With Home Replacement Value Scenarios

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

Example Charlestown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAllstate
Monthly Premium 193166339
Year Built 198019981942
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$500000-$600000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 310,000 Metal Roof 2,240 5 $1000-$2500 Deductible 960 4 Stone Siding yes
1946 190,000 Composition Roof 1,330 3 $500 Deductible 310 2 Stone Siding yes
1998 345,000 Tile Roof 2,590 4 $500- $1000 Deductible 1170 4 Stone Siding yes
2000 360,000 Membrane Roof 2,230 5 $2500-$5000 Deductible 2290 10 Fiber-Cement Siding No
1940 435,000 Metal Roof 3,120 4 $500 Deductible 4230 10 Stone Siding No
2007 350,000 Membrane Roof 2,450 4 $5000 to $10,000 Deductible 1420 6 Wood siding No
2006 415,000 Asphalt Shingles Roof 2,740 4 $1000-$2500 Deductible 1550 7 Vinyl siding yes
1969 525,000 Tile Roof 3,070 5 $2500-$5000 Deductible 1740 5 Vinyl siding yes
1992 245,000 Shingles Roof 1,900 3 $500 Deductible 1480 8 Vinyl siding No
1943 420,000 Wood Shake Roof 2,290 3 $500 Deductible 3600 8 Brick siding yes
1960 755,000 Asphalt Shingles Roof 4,810 5 $500- $1000 Deductible 2730 5 Vinyl siding yes
1994 295,000 Asphalt Shingles Roof 2,250 5 $500 Deductible 960 3 Wood siding No
1992 255,000 Membrane Roof 1,510 3 $2500-$5000 Deductible 1940 8 Brick siding yes
1989 440,000 Metal Roof 2,700 4 $1000-$2500 Deductible 2830 10 Stone Siding yes
1943 710,000 Composition Roof 3,790 5 $1000-$2500 Deductible 3630 9 Brick siding yes
1990 365,000 Slate Shingles Roof 1,910 4 $500 Deductible 2600 6 Wood siding No
1975 455,000 Shingles Roof 2,670 4 $1000-$2500 Deductible 4160 12 Stucco siding No
1949 800,000 Metal Roof 4,480 5 $1000-$2500 Deductible 490 1 Stucco siding yes
1980 260,000 Asphalt Shingles Roof 1,380 3 $1000-$2500 Deductible 1020 7 Stone Siding yes
1945 410,000 Tile Roof 2,710 4 $500 Deductible 3500 8 Vinyl siding yes
1975 300,000 Composition Roof 2,170 3 $500- $1000 Deductible 340 2 Fiber-Cement Siding No
1997 400,000 Membrane Roof 2,790 5 $1000-$2500 Deductible 2880 10 Stone Siding No
1980 680,000 Asphalt Shingles Roof 4,210 5 $2500-$5000 Deductible 4080 9 Fiber-Cement Siding No
2004 275,000 Shingles Roof 1,670 4 $1000-$2500 Deductible 500 2 Vinyl siding No
1995 610,000 Asphalt Shingles Roof 3,560 5 $2500-$5000 Deductible 2120 6 Vinyl siding yes
1976 350,000 Metal Roof 1,860 3 $500- $1000 Deductible 2480 12 Stucco siding No
1947 210,000 Membrane Roof 1,590 5 > $10,000 Deductible 550 7 Wood siding No
2007 305,000 Membrane Roof 2,030 3 $5000 to $10,000 Deductible 500 3 Stucco siding No
1987 465,000 Membrane Roof 2,840 4 $1000-$2500 Deductible 1280 4 Brick siding No
1949 595,000 Shingles Roof 3,200 4 $1000-$2500 Deductible 3850 8 Fiber-Cement Siding No
1965 340,000 Wood Shake Roof 1,940 3 $500 Deductible 1080 5 Fiber-Cement Siding yes