Fitchburg Insurance Rates:

Fitchburg, MA homeowners insurance is about $857 to $1,163, about $71-$96/month. Our exhaustive research reveals consumers can save as much as $404 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
There they're always available by phone they will call back if i call them they've even shown up within 4 hours only deal with one guy they have a great website.
Geico
Overall this is a great insurance company. for the rates that i pay, it is worth a little hassle when you need them.
Homesite Insurance
Home site is also very affordable at about $100 per year less than other companies that we checked into. it offers most of the same coverages for this price
Amica Mutual Insurance
They need to upgrade into the 21st century in terms of a mobile app and they need to keep better hours of customer service. It's hard to reach them for non-emergency stuff on holidays.
Metlife
I dislike that there is not a local office. I think their premiums could be lower for what I am getting from them. Last time I called I did have to wait a significant amount of time for a simple question on mailing a letter to me.
Farmer's Insurance
The communication is good there is nothing I dislike about it I a few question once and they answer them in and assisted with any other questions
Farmer's Insurance
I have only had good experiences with State Farms customer service. I have had to file one claim before and they were friendly and responsive. The made sure that everything was taken care. It put my mind at ease in a stressful situation.
Farmer's Insurance
I've never dealt with their customer service. I pay my bills and have never made a claim, so I guess it's been good.

Fitchburg, MA Homeowners Insurance By Home Value

Fitchburg, MA Home Value Total Homes % of Total Average Fitchburg, MA Homeowners Insurance
Less than $50,000 125 1.0% $121
$70,000 to $79,999 128 1.0% $363
$90,000 to $99,999 130 1.0% $464
$100,000 to $124,999 452 5.0% $545
$125,000 to $149,999 679 8.0% $676
$150,000 to $174,999 1,128 13.0% $808
$175,000 to $199,999 1,380 16.0% $929
$200,000 to $249,999 2,134 26.0% $1121
$250,000 to $299,999 1,284 15.0% $1363
$300,000 to $399,999 578 7.0% $1737

Top Home Insurance Agents Near Fitchburg, MA

Home Insurance Company Near Fitchburg, MA Homeowners Insurance Agency Near Fitchburg, MA Address
NA Aaa Insurance Agency Inc 72 Main St , North Reading, MA, 1864
NA Paul Lymneos Insurance Agency,Inc. 4258 Washington Street, Boston, MA, 2131
NA Edwin Lucey Insurance Agency 919 A Eastern Avenue, Malden, MA, 2148
NA Mirick Insurance Agency 28 Bridge Street , Shelburne Falls, MA, 1370
NA Druke Ins Agcy Main St Main St Williamsville, Dummerston, VT, 5362

Cost Of Homeowners Insurance By Street Near Fitchburg, MA

Streets in Fitchburg Area Homeowners Insurance Cost
Mountain Laurel Ln, Colburn St, Patton St, Baltic Ln, Water Street Ln, Hurd St, Bradford St, Newton Pl, Berry St, Vernon Ct$1,014
Kimball Rd, Kingsbury St, Pepper Rd, Caspian Way, Chartrand Pl, Tilton St, Saint Joseph Ave, Pearl Hill Rd, Sawyer Passway, Indiana Ave$1,011
Pine Street Ln, Pierce Farm Rd, York Ave, Lyric Ln, Loiselle Ave, Hassett St, Maplewood Ter, Ashburnham Hill Rd, Banford Ave, Rollstone Rd$1,013
Bluff Ave, Forest Hill Ave, Gates St, Berkshire St, Harvard Ave, Thurston Pl, Rainville Ave, Rollstone St, Appleton Cir, Longwood Ave$1,015
Alice Ave, Culley St, Garnet St, Sheldon Rd, Kyle Rd, Pratt Rd, Montrose St, Rockland St, Longedge Ave, Arch Pl$1,013

Fitchburg, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fitchburg$151 to $153
Lunenburg$155
Ashby$154
Leominster$153

Fitchburg, 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
Lunenburg town, Worcester County, Massachusetts $155 $207 $311
Ashby town, Middlesex County, Massachusetts $154 $205 $308
Westminster town, Worcester County, Massachusetts $155 $206 $309

Fitchburg, 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
Fitchburg, MA5.0%14.4%
Lunenburg4.38%12.0%
Ashby4.88%13.7%
Westminster4.51%13.57%

Fitchburg Renters Insurance as a Percentage of Rent

Fitchburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 90 1.0% $371
$200 to $299 462 7.0% $821
$300 to $499 498 8.0% $1271
$500 to $749 1,302 21.0% $1946
$750 to $999 1,897 31.0% $2696
$1,000 to $1,499 1,406 23.0% $3821
$1,500 or more 412 6.0% $5471

Fitchburg, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Fitchburg Homeowner Insurance Premium Example $1,500$1,100
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,200$10,400
Net Savings to Fitchburg Home Owner from High Deductible Plan $800

Fitchburg, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fitchburg, MA Home Replacement Value MORE than Home Value Fitchburg, MA Home Replacement Value LESS than Home Value
Replacement Value $201,000 $145,500
Insurance Premium based on Replacement Value $1,650 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,000 Risk Exposure from Under Insuring Coverage is $33,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $175/year

Example Fitchburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 7843125
Year Built 196019491944
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $200000-$250000$100000-$125000$250000-$300000
Deductible > $10,000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 225,000 Metal Roof 2,400 4 $2500-$5000 Deductible 640 6 Stone Siding No
1962 150,000 Shingles Roof 1,310 2 $500- $1000 Deductible 140 2 Stucco siding No
1963 335,000 Tile Roof 3,050 5 $5000 to $10,000 Deductible 520 4 Vinyl siding No
1965 210,000 Wood Shake Roof 2,160 3 $500 Deductible 370 3 Vinyl siding No
1960 345,000 Slate Shingles Roof 3,320 4 $1000-$2500 Deductible 860 5 Stone Siding No
1946 250,000 Metal Roof 2,150 4 $500 Deductible 620 4 Wood siding No
1949 170,000 Membrane Roof 1,430 2 $1000-$2500 Deductible 420 4 Wood siding yes
1945 200,000 Shingles Roof 1,790 3 $2500-$5000 Deductible 390 5 Vinyl siding yes
1965 185,000 Metal Roof 1,770 3 $1000-$2500 Deductible 250 2 Vinyl siding yes
1961 135,000 Asphalt Shingles Roof 1,450 2 $2500-$5000 Deductible 160 3 Stucco siding No
1942 585,000 Metal Roof 4,380 5 $1000-$2500 Deductible 2990 8 Stone Siding No
1967 515,000 Asphalt Shingles Roof 4,290 5 $2500-$5000 Deductible 660 2 Vinyl siding yes
1962 255,000 Slate Shingles Roof 1,940 3 $1000-$2500 Deductible 1430 10 Brick siding yes
1964 215,000 Asphalt Shingles Roof 2,050 3 $5000 to $10,000 Deductible 790 8 Fiber-Cement Siding yes
1945 555,000 Composition Roof 4,620 5 $2500-$5000 Deductible 710 2 Stone Siding No
1963 120,000 Slate Shingles Roof 1,220 2 $1000-$2500 Deductible 130 2 Fiber-Cement Siding No
1966 270,000 Shingles Roof 2,380 3 $500- $1000 Deductible 180 1 Vinyl siding No
1964 300,000 Composition Roof 2,340 3 $5000 to $10,000 Deductible 540 4 Brick siding yes
1969 105,000 Wood Shake Roof 1,040 2 $500 Deductible 580 10 Stucco siding No
1946 110,000 Shingles Roof 980 2 $1000-$2500 Deductible 380 7 Brick siding No
1944 200,000 Tile Roof 2,110 5 $500- $1000 Deductible 990 10 Brick siding No
1943 100,000 Asphalt Shingles Roof 960 2 $2500-$5000 Deductible 380 7 Wood siding No
1947 210,000 Shingles Roof 1,960 4 $2500-$5000 Deductible 130 1 Vinyl siding No
1966 310,000 Tile Roof 2,380 5 $500- $1000 Deductible 640 4 Wood siding yes
1962 160,000 Slate Shingles Roof 1,680 3 $2500-$5000 Deductible 120 2 Stone Siding yes
1947 155,000 Asphalt Shingles Roof 1,410 3 $5000 to $10,000 Deductible 330 5 Stone Siding No