Cranston Insurance Rates:

Cranston, RI homeowners insurance is roughly $923 to $1,251, about $76-$104/month. Our exhaustive guide reveals consumers can save upto $434 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
The original insurance agent who we signed up through ten years ago has retired and the new agent is not as personable as the first agent once was.
State Farm
This company has a lot of different types of insurance available to look at so you can decide what you need.
Aaa
I do not like the agent we have. he seemed very competent at the time, but has since shown to be a slacker who cannot get our questions right the first time and needs to have 3-4 emails to fix a problem that should have taken only 2 emails.
Allstate
They are polite and responsive, I have never had a single problem with them the whole 3 years I have been with them.
State Farm
The lack of the ability to get policy quotes on their website along with the ongoing skyrocketing policies. I understand issues with the market, in particular, high vehicle crashes in our area, but the fact that accident-free, multiline discount customers keep having major premium increases is ridiculous. That should be passed along to the high-risk customers.
Travelers
USAA is an exceptional company providing multiple services at a very good price point. I am very pleased with my interactions with them over many years
Metlife
I have not had my homeowner insurance for very long but I believe they are a good company. I have had to use roadside assistance for my vehicle with them and they did a great job.
State Farm
I would always be willing to pay less money and save more, but I'm happy with the cost of what I get. I am definitely satisfied enough.

Cranston, RI Homeowners Insurance By Home Value

Cranston, RI Home Value Total Homes % of Total Average Cranston, RI Homeowners Insurance
Less than $50,000 319 1.0% $108
$100,000 to $124,999 536 2.0% $500
$125,000 to $149,999 780 4.0% $630
$150,000 to $174,999 2,114 11.0% $739
$175,000 to $199,999 2,419 13.0% $858
$200,000 to $249,999 5,237 29.0% $1032
$250,000 to $299,999 3,719 20.0% $1260
$300,000 to $399,999 2,792 15.0% $1608

Top Home Insurance Agents Near Cranston, RI

Home Insurance Company Near Cranston, RI Homeowners Insurance Agency Near Cranston, RI Address
NA Benefit Development Group, Inc 446 Main St, Worcester, MA, 1608
NA H J Wiseman Agency 415 Highland Avenue, Somerville, MA, 2144
NA Aaa Insurance Agency Inc 405 Washington St South , Attleboro, MA, 2703
NA Cecil N Marchionne Insurance Agency, Inc 506 Main St, Medford, MA, 2155
Liberty Mutual Independent Howes Insurance Agency 2194 MAIN ST, CONCORD, MA, 1742

Cost Of Homeowners Insurance By Street Near Cranston, RI

Streets in Cranston Area Homeowners Insurance Cost
Manor Rd, Harmony St, Kenney Dr, Enterprise St, Brookview Dr, Fort Ave, Essex St, Jessica Ct, Holgate St, Randolph St$1,075
Elena St, Birchview Dr, 3rd Ave, Wildacre Dr, Wales St, Valerie Ct, Myrtle Ave, Allard St, Brettonwoods Dr, Samuel Ct$1,078
Aqueduct Rd, Sweet Pea Dr, Wentworth Ave, Gallup Ave, Raymond Dr, Zinnia Dr, Garden Hills Dr, Hosey Dr, Hardy St, Locust Glen Dr$1,110
Waite Ave, Ochil Pl, Canonchet Trl, Armington St, Scituate Farms Dr, Pawnee St, Koster St, Doric Ave, Robin Rd, Brookwood Rd$1,073
Browne St, Alder Dr, Everett Rd, Carpathia Rd, Rolfe Sq, B St, Frankfort St, Clarion St, Pomham St, Boxwood Ave$1,080
Moore Ave, Bald Hill Rd, Riverfarm Rd, Howard St, Orlando Ave, Fairlawn St, Begonia Dr, Sailor Way, Whiting St, Caporal St$1,069
Hybrid Dr, Asia St, Dart St, Basil Xing, Narragansett Blvd, Rock Hill Dr, Goeckel Ave, Alto St, Wildflower Dr, Edgewood Ave$1,073
Baldwin Orchard Dr, Lillian Ln, Russet Way, Woburn St, Woodmont Dr, Pippin Orchard Rd, Glenmere Dr, Western Industrial Dr, Elite Dr, Amalia Ave$1,098
Kingwood Ave, Heather St, Starling Dr, 1st Ave, Oakridge Dr, Windsor Rd, Tacoma St, Wild Berry Dr, Blaisdell St, Muriel St$1,077
Lofty Rd, Strathcona Rd, Pinewood Dr, Fernwood Dr, Tabor St, Blue Jay Dr, Furlong St, Peveril Rd, Monument St, Saverio St$1,079

Cranston, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cranston$162 to $165
Johnston$163
Providence$161
Warwick$162

Cranston, 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
Johnston town, Providence County, Rhode Island $136 $181 $272
Providence city, Rhode Island $135 $179 $269
Warwick city, Rhode Island $135 $180 $270

Cranston, 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
Cranston, RI4.7%13.2%
Johnston4.9%13.33%
Providence4.94%13.19%
Warwick5.03%14.38%

Cranston Renters Insurance as a Percentage of Rent

Cranston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 191 1.0% $345
$200 to $299 596 6.0% $795
$300 to $499 511 5.0% $1245
$500 to $749 1,141 11.0% $1920
$750 to $999 2,710 27.0% $2670
$1,000 to $1,499 3,839 38.0% $3795
$1,500 or more 900 9.0% $5445

Cranston, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$5,200
Yearly Cranston Homeowner Insurance Premium Example $3,300$2,500
Out of Pocket Expense During Claim$1,200$5,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $24,300$22,700
Net Savings to Cranston Home Owner from High Deductible Plan $1,600

Cranston, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cranston, RI Home Replacement Value MORE than Home Value Cranston, RI Home Replacement Value LESS than Home Value
Replacement Value $248,500 $157,000
Insurance Premium based on Replacement Value $2,450 $1,550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,000 Risk Exposure from Under Insuring Coverage is $54,500
Premium Impact Insurance cheaper by $525/year Insurance costlier by $375/year

Example Cranston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceState Farm
Monthly Premium 9012366
Year Built 196119921973
Home Details 3 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $125000-$150000$125000-$150000$100000-$125000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 305,000 Tile Roof 2,210 5 $500- $1000 Deductible 1580 7 Brick siding No
1992 220,000 Asphalt Shingles Roof 1,460 3 $2500-$5000 Deductible 780 5 Vinyl siding yes
1949 175,000 Tile Roof 1,700 2 $2500-$5000 Deductible 1130 10 Stone Siding yes
1995 425,000 Membrane Roof 3,070 5 > $10,000 Deductible 1550 9 Brick siding No
1949 230,000 Asphalt Shingles Roof 1,600 5 $1000-$2500 Deductible 2440 12 Stone Siding yes
1967 315,000 Wood Shake Roof 2,280 4 > $10,000 Deductible 120 1 Brick siding yes
1971 310,000 Membrane Roof 3,050 4 $5000 to $10,000 Deductible 1460 7 Fiber-Cement Siding No
1999 270,000 Tile Roof 2,330 3 $5000 to $10,000 Deductible 1230 10 Stucco siding yes
1969 200,000 Membrane Roof 1,470 3 $1000-$2500 Deductible 260 2 Brick siding yes
1970 130,000 Slate Shingles Roof 1,200 3 $1000-$2500 Deductible 390 5 Wood siding No
1942 280,000 Composition Roof 1,840 4 $500 Deductible 610 3 Vinyl siding yes
1970 310,000 Membrane Roof 2,380 3 $500 Deductible 1270 5 Fiber-Cement Siding No
1991 200,000 Metal Roof 1,580 3 > $10,000 Deductible 180 2 Wood siding No
1996 295,000 Tile Roof 2,100 4 > $10,000 Deductible 1220 9 Fiber-Cement Siding No
1977 270,000 Metal Roof 2,060 4 $2500-$5000 Deductible 1950 10 Vinyl siding No
1946 370,000 Asphalt Shingles Roof 3,320 4 > $10,000 Deductible 650 3 Wood siding No
1942 475,000 Wood Shake Roof 3,200 4 $500- $1000 Deductible 5030 12 Stone Siding No
1960 305,000 Metal Roof 2,980 4 $2500-$5000 Deductible 2100 12 Fiber-Cement Siding No
1973 280,000 Shingles Roof 2,240 3 $500- $1000 Deductible 1180 5 Fiber-Cement Siding No
1973 550,000 Slate Shingles Roof 4,010 5 > $10,000 Deductible 260 1 Fiber-Cement Siding No
1999 245,000 Composition Roof 2,330 3 > $10,000 Deductible 640 5 Brick siding No