Dracut Insurance Rates:

Dracut, MA homeowners insurance is nearly $879 to $1,196, about $73-$99/month. Our exhaustive analysis indicates shoppers can save as much as $414 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
The most important aspect of farmer's insurance which i value is that their coverage is always reliable and i can depend on their services.
Allstate
They have great coverage and they are reliable. they have unlocked our cars multiple times and have been awesome about it.
Safeco Insurance
I really don't know about other insurance premiums, but I think the premium is a bit high. But if you file a claim, they don't drop you like other companies do.
Geico
I really like Geico’s app. It allows for easy payment to be made. I am able to log on more quickly if I need a copy of my insurance card or to look at the coverage.
Liberty Mutual
I like that this company has adopted social media as a response mechanism to respond to customer complaints.
Safeco Insurance
I don't use the company's website or mobile app, I directly communicate with an agent via phone or email and paperwork.
Allstate
I haven't had to call about a claim. Any communication I have regarding this insurance has been through the broker.
Aaa
The only thing that is negative i remember is the wait time for getting through to the customer representative. the wait time was long, but once answered, i was happy with their service.

Dracut, MA Homeowners Insurance By Home Value

Dracut, MA Home Value Total Homes % of Total Average Dracut, MA Homeowners Insurance
Less than $50,000 146 1.0% $82
$100,000 to $124,999 135 1.0% $394
$125,000 to $149,999 255 3.0% $487
$150,000 to $174,999 513 6.0% $580
$175,000 to $199,999 362 4.0% $663
$200,000 to $249,999 1,561 20.0% $808
$250,000 to $299,999 1,651 21.0% $985
$300,000 to $399,999 2,844 37.0% $1254

Top Home Insurance Agents Near Dracut, MA

Home Insurance Company Near Dracut, MA Homeowners Insurance Agency Near Dracut, MA Address
NA First Insurance Services 11 Whitney Drive, Peabody, MA, 1960
NA Granite Group Benefits, Llc 1001 Elm Street, Ste. 301, Manchester, NH, 3101
Liberty Mutual Independent Hub International New England Llc 4 W MILL ST, MEDFIELD, MA, 2052
Liberty Mutual Independent Mtm Insurance Associates Llc 1320 Osgood Street , North Andover, MA, 1845
Liberty Mutual Independent Northeast Insurance Agency Inc 567 Southbridge St, Auburn, MA, 1501

Cost Of Homeowners Insurance By Street Near Dracut, MA

Streets in Dracut Area Homeowners Insurance Cost
Perron Ln, Parker Ave, Sladen St, Cameron Ave, Greenmont Ave, June St, Rebecca Cir, Totman Rd, Mulberry Rd, Hazel Ave$1,038
Colburn Ave, Swain St, Bolton Ave, Hearthstone Rd, Christy Ave, Dean Ave, Infield Ave, Summer Hill Rd, Beaver Brook St, Oriole Dr$1,043
Parkvale Ter, Temple Ln, Malwood Ave, Meadow Creek Dr, Idaho Ln, Apple Blossom Dr, Pelczar Rd, Gunther Ct, Merrimack Ave, Freeman Ave$1,040
Cranberry Rd, O St, Wiggin Ter, Coburn Ave, Wagon Wheel Rd, Savoy Ct, Prides Crossing Rd, Blanche St, Oliver Dr, Arlington Ave$1,039
Nassau St, Fox Ave, Neofotistos Cir, Phyllis St, Broadway Rd, Gumpus Rd, Avis Ave, Brigham Ave, Sarah Ct, Textile Ave$1,043

Dracut, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Dracut$155 to $158
Lowell$153
Pelham$109
Tewksbury$157

Dracut, 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
Lowell city, Massachusetts $153 $204 $306
Pelham town, Hillsborough County, New Hampshire $109 $145 $218
Tewksbury town, Middlesex County, Massachusetts $158 $210 $315

Dracut, 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
Dracut, MA4.6%14.9%
Lowell4.54%13.93%
Pelham2.34%7.6%
Tewksbury3.82%12.65%

Dracut Renters Insurance as a Percentage of Rent

Dracut Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 76 3.0% $807
$300 to $499 95 4.0% $1257
$500 to $749 136 6.0% $1932
$750 to $999 321 15.0% $2682
$1,000 to $1,499 1,070 53.0% $3807
$1,500 or more 303 15.0% $5457

Dracut, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly Dracut Homeowner Insurance Premium Example $2,100$1,500
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,500$16,700
Net Savings to Dracut Home Owner from High Deductible Plan $1,800

Dracut, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Dracut, MA Home Replacement Value MORE than Home Value Dracut, MA Home Replacement Value LESS than Home Value
Replacement Value $345,500 $241,500
Insurance Premium based on Replacement Value $3,225 $2,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $64,500
Premium Impact Insurance cheaper by $600/year Insurance costlier by $375/year

Example Dracut Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateState Farm
Monthly Premium 212219133
Year Built 200019621989
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$500000-$600000$350000-$400000
Deductible $1000-$2500 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 395,000 Wood Shake Roof 2,310 3 $2500-$5000 Deductible 1580 8 Vinyl siding yes
1944 490,000 Membrane Roof 3,080 4 $5000 to $10,000 Deductible 520 2 Stone Siding yes
1940 180,000 Composition Roof 1,420 3 $1000-$2500 Deductible 260 2 Fiber-Cement Siding No
1988 265,000 Membrane Roof 1,870 4 $500 Deductible 1570 12 Wood siding No
1944 500,000 Metal Roof 3,950 5 $2500-$5000 Deductible 2890 10 Stucco siding yes
1981 310,000 Tile Roof 1,770 3 $500 Deductible 1120 6 Stucco siding No
1942 210,000 Wood Shake Roof 1,550 3 $2500-$5000 Deductible 910 10 Wood siding yes
1963 350,000 Wood Shake Roof 2,040 3 $500 Deductible 3500 12 Stone Siding yes
1946 260,000 Membrane Roof 2,020 3 $500 Deductible 130 1 Brick siding No
1971 785,000 Metal Roof 4,440 5 $1000-$2500 Deductible 1980 5 Stone Siding No
2005 160,000 Composition Roof 1,340 3 $500 Deductible 990 9 Vinyl siding yes
1963 510,000 Slate Shingles Roof 3,100 4 $500 Deductible 350 1 Vinyl siding yes
2001 260,000 Membrane Roof 2,070 4 $2500-$5000 Deductible 730 5 Wood siding No
1977 300,000 Wood Shake Roof 2,340 3 $500- $1000 Deductible 450 2 Fiber-Cement Siding No
1973 635,000 Asphalt Shingles Roof 4,300 5 $5000 to $10,000 Deductible 1140 4 Brick siding No
1995 485,000 Metal Roof 3,620 5 $2500-$5000 Deductible 1080 4 Stucco siding yes
1964 245,000 Shingles Roof 1,630 4 $1000-$2500 Deductible 100 1 Stucco siding yes
1975 405,000 Wood Shake Roof 3,030 4 $500- $1000 Deductible 1650 7 Wood siding yes
1983 200,000 Composition Roof 1,320 3 $500- $1000 Deductible 120 1 Stucco siding No
1949 420,000 Metal Roof 2,900 5 $500- $1000 Deductible 2330 10 Stone Siding yes
1994 615,000 Slate Shingles Roof 3,540 5 $5000 to $10,000 Deductible 2060 10 Stucco siding yes
2000 475,000 Wood Shake Roof 3,310 5 $1000-$2500 Deductible 750 3 Fiber-Cement Siding No
2005 330,000 Slate Shingles Roof 2,120 5 $500- $1000 Deductible 820 4 Fiber-Cement Siding yes
1991 360,000 Membrane Roof 2,160 4 $500- $1000 Deductible 1900 10 Wood siding yes
1960 205,000 Composition Roof 1,700 3 $5000 to $10,000 Deductible 320 4 Fiber-Cement Siding yes
1980 375,000 Shingles Roof 2,180 3 > $10,000 Deductible 1430 12 Stucco siding yes
1969 680,000 Metal Roof 4,220 5 $500- $1000 Deductible 1020 2 Fiber-Cement Siding yes
1985 345,000 Composition Roof 2,550 4 $2500-$5000 Deductible 1050 7 Brick siding yes
1975 600,000 Wood Shake Roof 3,680 5 > $10,000 Deductible 2780 12 Vinyl siding yes
1966 315,000 Tile Roof 2,110 3 $5000 to $10,000 Deductible 980 8 Vinyl siding yes
1966 335,000 Metal Roof 2,140 3 $500- $1000 Deductible 2340 10 Vinyl siding yes
1975 615,000 Wood Shake Roof 4,370 5 $1000-$2500 Deductible 1850 6 Wood siding No
1963 395,000 Wood Shake Roof 2,290 3 $2500-$5000 Deductible 770 4 Wood siding yes
2008 425,000 Tile Roof 3,530 5 $2500-$5000 Deductible 2230 12 Fiber-Cement Siding yes