Cumberland Insurance Rates:

Cumberland, RI homeowners insurance is approximately $935 to $1,267, about $77-$105/month. Our in depth guide reveals consumers can save upto $440 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
They have always been helpful with answering questions when i call. and they are always polite when i call.
Allstate
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.
Geico
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.
All State
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.
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.

Cumberland, RI Homeowners Insurance By Home Value

Cumberland, RI Home Value Total Homes % of Total Average Cumberland, RI Homeowners Insurance
Less than $50,000 132 1.0% $99
$100,000 to $124,999 113 1.0% $451
$125,000 to $149,999 173 2.0% $561
$150,000 to $174,999 374 4.0% $660
$175,000 to $199,999 866 10.0% $770
$200,000 to $249,999 2,526 30.0% $924
$250,000 to $299,999 2,153 25.0% $1134
$300,000 to $399,999 1,996 23.0% $1442

Top Home Insurance Agents Near Cumberland, RI

Home Insurance Company Near Cumberland, RI Homeowners Insurance Agency Near Cumberland, RI Address
NA John J Ryan Insurance Agency 376 Washington St Brighton, Boston, MA, 2135
NA Corso Insurance Agency 274 Main Street, Stoneham, MA, 2180
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

Cost Of Homeowners Insurance By Street Near Cumberland, RI

Streets in Cumberland Area Homeowners Insurance Cost
Royal Ct, Etta Way, Michael Mark Ln, Dennis St, Clover Ct, N Attleboro Rd, Gold Star Dr, Briarwood Rd, Cider Ct, Victory St$1,112
Woodrow St, McGirr St, Blanche Ave, Old Hickory Dr, Red Gate Rd, Ryder Ln, Lockwood Rd, Wayne Dr, Cargill Rd, Parkview Trl$1,106
Raymond Dr, Boardman Ave, Edison Rd, Knollwood Dr, Vale St, N Hereford Dr, Dwight St, Rosetti Dr, Sumner Brown Rd, Rustic Ln$1,091
Holly Ln, Caroline St, Rolling Acres Dr, Flat St, Old Willis Rd, Bound Rd, Ballou St, Louise Ave, Indiana Ave, Pound Rd$1,092
Hadde Ave, Tyler St, Toboggan Rd, Lake Shore Dr, Beauregard Ave, Mayfair Rd, Bay Ave, Wagon Rd, Thomas Leighton Blvd, Plantation Rd$1,095

Cumberland, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cumberland$164 to $167
Cumberland Hill$163
Lincoln$166
North Attleborough$157

Cumberland, 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
Cumberland Hill CDP, Rhode Island $137 $182 $273
Valley Falls CDP, Rhode Island $136 $181 $272
Lincoln town, Providence County, Rhode Island $138 $184 $276

Cumberland, 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
Cumberland, RI4.7%14.1%
Cumberland Hill4.79%14.32%
Valley Falls4.85%15.76%
Lincoln4.71%13.89%

Cumberland Renters Insurance as a Percentage of Rent

Cumberland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 48 1.0% $339
$200 to $299 199 6.0% $789
$300 to $499 357 12.0% $1239
$500 to $749 574 19.0% $1914
$750 to $999 707 23.0% $2664
$1,000 to $1,499 781 26.0% $3789
$1,500 or more 308 10.0% $5439

Cumberland, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$3,400
Yearly Cumberland Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,400$3,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,500$9,700
Net Savings to Cumberland Home Owner from High Deductible Plan $800

Cumberland, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cumberland, RI Home Replacement Value MORE than Home Value Cumberland, RI Home Replacement Value LESS than Home Value
Replacement Value $289,500 $198,000
Insurance Premium based on Replacement Value $2,500 $1,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,500 Risk Exposure from Under Insuring Coverage is $42,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $425/year

Example Cumberland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 85304112
Year Built 194320071994
Home Details 2 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $175000-$200000$400000-$500000$200000-$250000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 250,000 Metal Roof 1,630 2 $500- $1000 Deductible 800 5 Vinyl siding No
1978 350,000 Wood Shake Roof 2,340 4 $2500-$5000 Deductible 2050 12 Stone Siding yes
2012 555,000 Membrane Roof 3,280 4 $500- $1000 Deductible 1300 3 Brick siding yes
2014 205,000 Asphalt Shingles Roof 1,310 3 $500- $1000 Deductible 830 6 Brick siding No
1993 540,000 Tile Roof 3,840 5 $500- $1000 Deductible 4250 12 Fiber-Cement Siding yes
2011 340,000 Wood Shake Roof 2,250 3 > $10,000 Deductible 2110 12 Stone Siding No
1972 130,000 Membrane Roof 940 2 $500- $1000 Deductible 110 1 Stone Siding yes
1988 435,000 Shingles Roof 3,650 5 $2500-$5000 Deductible 1180 5 Vinyl siding No
1969 165,000 Asphalt Shingles Roof 970 2 $500- $1000 Deductible 340 2 Vinyl siding No
1984 365,000 Membrane Roof 2,970 4 $500 Deductible 3570 9 Stone Siding yes
1989 280,000 Slate Shingles Roof 1,650 3 $500- $1000 Deductible 970 4 Stucco siding No
1967 360,000 Shingles Roof 3,070 4 $2500-$5000 Deductible 830 4 Wood siding No
1967 600,000 Wood Shake Roof 3,720 5 $500 Deductible 1740 3 Stone Siding yes
1942 275,000 Asphalt Shingles Roof 1,880 3 $5000 to $10,000 Deductible 140 1 Stone Siding No
1989 200,000 Metal Roof 1,780 3 $1000-$2500 Deductible 840 7 Stone Siding No
2005 115,000 Wood Shake Roof 990 2 $500- $1000 Deductible 960 10 Fiber-Cement Siding yes
1961 665,000 Shingles Roof 3,940 5 $500- $1000 Deductible 3170 7 Stone Siding No
2010 190,000 Composition Roof 1,130 2 $500 Deductible 440 3 Brick siding yes
1945 155,000 Composition Roof 950 2 $500 Deductible 1480 10 Stucco siding yes