Cumberland, RI Home Insurance - Analysis On Quotes, Rates & Agents

Cumberland, RI Insurance Rates:

The average cost of home insurance in Cumberland, RI is $1408 while the average cost of insurance in the state is $1,321 Home insurance is lower/higher than the average home insurance rates in the state. vHome Insurance stresses the importance of comparing home insurance quotes provided by different insurers. Enter your Zip Code in the banner below to get instant home insurance quotes.

Compare Quotes from Top Providers and Save now!

Average Home Insurance Premium in Cumberland, RI

National Average Premium State Average Premium Cumberland Average Premium
$1,438 $1,321 $1,408

Top Home Insurance Companies in Cumberland, RI | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Cumberland, RI.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
State Farm $1,211 $1,453 $1,889 $2,607
Geico $876 $1,051 $1,366 $1,885
New London County Mutual $888 $1,066 $1,386 $1,912
Narragansett Bay $636 $764 $993 $1,370

Cumberland, RI Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 608
$150,000 To $174,999 791.64
$175,000 To $199,999 882.1
$200,000 To $249,999 1,110.37
$250,000 To $299,999 1,516.71
$300,000 To $399,999 2,046.85
$400,000 To $499,999 2,576.48
$500,000 To $749,999 3,297.9
$750,000 To $999,999 3,813.19
$1000,000 To $1499,999 4,199.66
$1500,000 To $2000,000 4,508.84

Visual Guide for Cumberland, RI Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Cumberland, RI | Back to Top

Home Insurance Company Near Cumberland, RI Homeowners Insurance Agency Near Cumberland, RI Address
Travelers Quincy Insurance Agency Inc 144 GOULD ST STE 152, NEEDHAM, MA, 2494
Travelers Smith Insurance Group Inc 664 ARMISTICE BLVD, PAWTUCKET, RI, 2861
Travelers The Slocum Agency Inc 1229 Greenwich Avenue, Warwick, RI, 2886

List of Cumberland, RI Home Insurance Agents by Companies

Cumberland, RI Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Cumberland, RI who have no previous history of filing for claims are eligible for a discount of $168.96. Homeowners in Cumberland, RI who have filed one claim previously have to pay an additional home insurance rate of $99, while homeowners who have filed 2 claims previously have to pay $169 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -169 1,239
One Claim +99 1,507
Two Claim +169 1,577

Factors Affecting Home Insurance Premiums in Cumberland, RI

Homeowners staying in Cumberland, RI have to pay an average of $1408 as the home insurance cost. There are several factors that affect home insurance premiums in Cumberland, RI. vHome Insurance lists the factors that could help homeowners lower their homeowners insurance premiums.

Cumberland, RI Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 596
3 Bedroom 1,117
4 Bedroom 2,382
5 Bedroom 2,531

Cumberland, RI Home Insurance Premiums for Different Deductibles | Back to Top

Cumberland, RI homeowners who pay a low deductible rate of $500 pay a higher rate for their home insurance, while Cumberland, RI homeowners who pay a deductible rate as high as $2500 pay a lower rate as part of their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,391
$1000 Deductible 1,258
$1500 Deductible 1,185
$2000 Deductible 1,075
$2500 Deductible 1,011

Cumberland, RI Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Cumberland, RI pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,028
Year 30 Old 1,429
Year 40 Old 1,445
Year 50 Old 1,462
Above Year 50 1,476

Cumberland, RI Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 169 1,239
Masonry 70 1,338
Brick 70 1,338
Superior 141 1,267
Hail Resistant Roof 42 1,366

Top Saving Tips on Cumberland, RI Homeowners Insurance | Back to Top

Depending upon the construction type and the construction materials of the home, Cumberland, RI homeowners receive a considerable amount of discounts. Cumberland, RI homeowners can also make use of bundling discounts to lower home insurance premiums. Furthermore, senior citizens residing in Cumberland, RI receive additional discounts on their homeowners insurance. Homes installed with security devices are considered a safe bet for home insurers. As a result, home insurance companies tend to offer discounts to Cumberland, RI homes with enhanced security features.

The tables below contain the complete list of discounts that Cumberland, RI homeowners can take advantage of to increase their savings.

Cumberland, RI Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 197 1,211
Retiree Discount (Senior Citizen Discount) 197 1,605
Newly Constructed Home 380 1,028

Cumberland, RI Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 197 1,211
Fire Extinguishers 113 1,295
Smoke Detectors 127 1,281
Sprinkler System 127 1,281
Fire Alarm 127 1,281
Burglar Alarm 127 1,281
Lightning Protection 28 1,380

Latest Home Insurance Reviews

State Farm
I only got a comparison to one other company, so I don't know how credible my opinion can be, but State Farm had one of the best deals and I was able to afford it.
I would recommend GEICO because I have a very good rate and they have good customer service. For me that's really the most important thing. I want to be covered but because insurance is hardly ever used.
Safeco Insurance
I believe that my deductible is a bit high compared to others that I have spoken too.
State Farm
They have always been helpful with answering questions when i call. and they are always polite when i call.
Fine print with lack of detailed coverage, mold issue recently discovered and unless it was caused by pipes or other household plumbing issue, it is not covered by them. instead of referring my to a source of help, they instead implied they would send a letter informing me of what is actually covered by the policy.
I typically get a revised copy of the insurance policy in the mail whenever any changes are added. for example, if the property value on the house increases, i receive an updated policy.
State Farm
The customer service with my local agent is probably the main reason that I stay with state farm instead of seriously shopping for a new rate. They are friendly and go out of their way to provide excellent customer service.
State Farm
I think overall that USAA offers very good customer service. They call you back at the promised times, they are very knowledgeable about the problems they must solve to do with your insurance needs.
My agent is the same one I've had for about 20 years. She looks for discounts for me. On those rare occasions when I've had to make a claim, it's been handled cheerfully and quickly.
I am not really sure about other insurance companies. I just went with Grange because someone had recommended them to me and the price seemed reasonable.
Encompass Insurance
I would recommend this company because they are relatively no frills, they haven't sent lots of advertising, and the policy coverage/premium are very reasonable.