Chelsea Insurance Rates:

Chelsea, MA homeowners insurance is approximately $872 to $1,191, about $72-$99/month. Our exhaustive research reveals consumers can save upto $412 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
The communication is great. They answer all your questions and explain everything in a way that anyone could understand even if they don't have a lot of knowledge about insurance.
Liberty Mutual
They do send out a LOT of mail. I'd like less mail, and maybe the option to switch to paperless. I am not sure if they have this available. I will have to look.
State Farm
I love their customer service because they know the policies and is always willing to go above and beyond for me.
Allstate
I like that it's a known brand and I’ve read that they are timely online in other reviews. I've never had to use it, but I hope that if I need to, they will be there.
State Farm
They make it easy to bundle additional coverages. the bundling of additional services dramatically lowers the premiums of all purchased coverages.
Allstate
My policy is not overly specific about what is covered for my household items. it only has a vague list of items that may need additional coverage.
State Farm
State farm is a reliable insurance company. i have placed a claim with them for hail damage to my roof. they handled it quickly and on the most part, fairly.

Chelsea, MA Homeowners Insurance By Home Value

Chelsea, MA Home Value Total Homes % of Total Average Chelsea, MA Homeowners Insurance
Less than $50,000 45 1.0% $92
$60,000 to $69,999 35 1.0% $247
$80,000 to $89,999 34 1.0% $319
$90,000 to $99,999 71 2.0% $360
$100,000 to $124,999 166 5.0% $412
$125,000 to $149,999 67 2.0% $525
$150,000 to $174,999 244 7.0% $618
$175,000 to $199,999 180 5.0% $711
$200,000 to $249,999 679 22.0% $855
$250,000 to $299,999 478 15.0% $1051
$300,000 to $399,999 1,031 33.0% $1340

Top Home Insurance Agents Near Chelsea, MA

Home Insurance Company Near Chelsea, MA Homeowners Insurance Agency Near Chelsea, MA Address
NA Flaherty Insurance 51 Mill St Ste 12, Hanover, MA, 2339
NA Madeleine I Brooks Insurance 65 Merrimack Street Unit #5, Lawrence, MA, 1843
Allstate Bert Carabitses 559 Putnam Pike, Greenville, RI, 2828
Travelers Mercier & Kosinski Ins Inc 1009 SMITHFIELD AVE, LINCOLN, RI, 2865
Travelers Pacheco Insurance Agency Inc 411 COLUMBIA ST, FALL RIVER, MA, 2721

Cost Of Homeowners Insurance By Street Near Chelsea, MA

Streets in Chelsea Area Homeowners Insurance Cost
Admirals Way, John St, Bloomingdale St, Congress Ave, Fenno St, Miller St, Madison Ave, Somerset St, Winthrop Rd, 4th St$1,039
Fitz Ter, Clinton St, Shurtleff St, Winnisimmet St, Ferry St, Eleanor St, Silk St, Mulberry St, Cary Ave, 6th St$1,042
Burma Rd, Riley Way, Normandy Rd, Luther Pl, Chamberlain Pl, Webster Ave, Columbus St, Wesley St, Annese Rd, Carmel St$1,033
E Elm St, Carroll St, Hooper St, Heard St, City Hall Ave, Jefferson Ave, Perkins Rd, Lafayette Ave, Nichols St, Cherry St$1,029
Hy-Sil Ave, Front St, Forbes St, Breakwater Dr, Stockton St, Webster Ave, Bellingham St, Evelyn Rd, Everett Ave, Reynolds Ave$1,035

Chelsea, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chelsea$153 to $155
Everett$157
Revere$156
Winthrop Town$158

Chelsea, 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
Everett city, Massachusetts $157 $209 $314
Malden city, Massachusetts $158 $210 $315
Revere city, Massachusetts $157 $209 $314

Chelsea, 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
Chelsea, MA4.1%12.2%
Everett3.87%12.76%
Malden3.98%13.13%
Revere3.86%11.64%

Chelsea Renters Insurance as a Percentage of Rent

Chelsea Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 323 4.0% $360
$200 to $299 542 6.0% $810
$300 to $499 563 7.0% $1260
$500 to $749 535 6.0% $1935
$750 to $999 1,144 14.0% $2685
$1,000 to $1,499 3,282 40.0% $3810
$1,500 or more 1,630 20.0% $5460

Chelsea, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly Chelsea Homeowner Insurance Premium Example $2,200$1,800
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $16,700$15,900
Net Savings to Chelsea Home Owner from High Deductible Plan $800

Chelsea, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chelsea, MA Home Replacement Value MORE than Home Value Chelsea, MA Home Replacement Value LESS than Home Value
Replacement Value $369,500 $239,500
Insurance Premium based on Replacement Value $2,375 $1,525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,500 Risk Exposure from Under Insuring Coverage is $66,500
Premium Impact Insurance cheaper by $425/year Insurance costlier by $425/year

Example Chelsea Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmAllstate
Monthly Premium 110103127
Year Built 194219451949
Home Details 4 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$175000-$200000$350000-$400000
Deductible > $10,000 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1940 470,000 Tile Roof 3,290 5 $2500-$5000 Deductible 680 3 Brick siding No
1941 660,000 Metal Roof 4,960 5 $500- $1000 Deductible 2440 5 Stone Siding yes
1941 630,000 Metal Roof 3,940 5 $500- $1000 Deductible 3330 10 Vinyl siding yes
1946 190,000 Slate Shingles Roof 1,250 3 $1000-$2500 Deductible 790 6 Stucco siding yes
1941 630,000 Metal Roof 4,940 5 $2500-$5000 Deductible 2990 10 Stone Siding No
1942 235,000 Metal Roof 1,530 3 $1000-$2500 Deductible 260 2 Fiber-Cement Siding yes
1945 445,000 Asphalt Shingles Roof 3,290 4 $1000-$2500 Deductible 4600 12 Stucco siding No
1948 615,000 Composition Roof 3,860 5 $2500-$5000 Deductible 1530 7 Fiber-Cement Siding yes
1948 205,000 Shingles Roof 1,720 4 $2500-$5000 Deductible 340 4 Fiber-Cement Siding No
1941 265,000 Shingles Roof 1,960 4 $2500-$5000 Deductible 1670 12 Stone Siding yes
1945 450,000 Asphalt Shingles Roof 2,660 4 $1000-$2500 Deductible 2630 9 Stone Siding yes
1949 290,000 Wood Shake Roof 1,970 3 $500- $1000 Deductible 940 7 Stucco siding No
1940 340,000 Shingles Roof 2,840 4 $2500-$5000 Deductible 500 3 Stone Siding yes
1949 260,000 Asphalt Shingles Roof 1,800 3 $5000 to $10,000 Deductible 140 1 Vinyl siding yes
1949 300,000 Metal Roof 2,000 5 $1000-$2500 Deductible 870 4 Brick siding yes
1941 165,000 Membrane Roof 1,230 2 $5000 to $10,000 Deductible 200 4 Stucco siding No
1941 195,000 Membrane Roof 1,580 2 $500 Deductible 510 3 Brick siding yes
1940 580,000 Wood Shake Roof 4,620 5 $2500-$5000 Deductible 550 2 Stone Siding yes
1948 285,000 Tile Roof 1,760 3 > $10,000 Deductible 810 8 Vinyl siding yes
1946 390,000 Metal Roof 2,660 4 $2500-$5000 Deductible 1110 7 Vinyl siding yes
1949 145,000 Asphalt Shingles Roof 1,020 2 $1000-$2500 Deductible 1180 12 Vinyl siding yes
1941 425,000 Asphalt Shingles Roof 2,670 4 $1000-$2500 Deductible 2470 10 Fiber-Cement Siding No
1943 465,000 Metal Roof 3,170 5 $5000 to $10,000 Deductible 1040 7 Fiber-Cement Siding yes
1944 260,000 Wood Shake Roof 1,680 2 > $10,000 Deductible 1030 12 Brick siding No
1942 300,000 Slate Shingles Roof 1,900 3 $5000 to $10,000 Deductible 1020 8 Vinyl siding No
1942 175,000 Wood Shake Roof 1,210 2 $500- $1000 Deductible 990 9 Stucco siding No
1946 175,000 Slate Shingles Roof 1,550 3 $500- $1000 Deductible 640 7 Vinyl siding yes
1949 220,000 Shingles Roof 1,780 2 $500- $1000 Deductible 1620 10 Brick siding yes