Gardner Insurance Rates:

Gardner, MA homeowners insurance is about $853 to $1,157, about $71-$96/month. Our thorough guide shows customers can save as much as $402 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Since this is my first home i am very new to everything related to it. when i went from the insurance through the mortgage company to state farm they handled everything for me. including contacting and faxing all the paperwork to the mortgage company.
Safeco Insurance
I am sometimes confused about which policy i am applying the payment to when they are up for renewals. this system could be more intuitive.
Aaa
My insurance provides discounts for multi policies. i have an auto insurance and a home insurance which gives me rebates.
Amica Mutual Insurance
I get the bill and pay it. Really no other contact and no reason to. Why would I contact them unless there was a claim

Gardner, MA Homeowners Insurance By Home Value

Gardner, MA Home Value Total Homes % of Total Average Gardner, MA Homeowners Insurance
Less than $50,000 135 3.0% $130
$80,000 to $89,999 58 1.0% $452
$90,000 to $99,999 76 1.0% $512
$100,000 to $124,999 433 10.0% $592
$125,000 to $149,999 352 8.0% $733
$150,000 to $174,999 748 18.0% $874
$175,000 to $199,999 718 17.0% $1005
$200,000 to $249,999 875 21.0% $1216
$250,000 to $299,999 364 8.0% $1487
$300,000 to $399,999 302 7.0% $1889

Top Home Insurance Agents Near Gardner, MA

Home Insurance Company Near Gardner, MA Homeowners Insurance Agency Near Gardner, MA Address
Travelers Stoner Insurance Agency 345 BOSTON POST RD, SUDBURY, MA, 1776
NA Jack Keough Insurance Agency 612 Page Blvd, Springfield, MA, 1104
NA Byrnes Agency, Inc - Woodstock 1226 Route 169 , Woodstock, CT, 6281
NA Francis J Berube Insurance Agency 57 Broadway, Haverhill, MA, 1832
Liberty Mutual Jason Pitts Lutcf 6 Bedford Farms Ste 607, Bedford, NH, 3110

Cost Of Homeowners Insurance By Street Near Gardner, MA

Streets in Gardner Area Homeowners Insurance Cost
Fernwood Dr, Bates Rd, Edgell St, Leo Dr, Suffolk Ln, Regan St, E Broadway, Comeau Rd, W Broadway, Glazier St$1,004
Saunders St, Kendall Pond Rd W, Highfield Rd, Donlan St, Otter River Rd, Yale St, Zub Ln, Partridge St, W Lynde St, Pearly Ln$1,007
Chelsea St, Ridgewood Ln, Upsala St, Betty Spring Rd, Cote's Cove Rd, Eaton St, Travers St, W Broadway, Stephanie Dr, Watkins Rd$1,004
Ashley Dr, Sunrise Ln, Mission St, Wickman Dr, Myles Cir, Sand St, Charbonneau St, Rouville Ave, Talcott Ave, Timpany Blvd$1,002
Jonathan St, Keyes Rd, Manca Dr, Leamy St, Knowlton St, Marquette St, Willis Rd, Glen Rd, Favor St, Donlan St$1,007

Gardner, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gardner$150 to $153
South Ashburnham$151
Templeton$152
Westminster$154

Gardner, 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
South Ashburnham CDP, Massachusetts $126 $168 $252
Templeton town, Worcester County, Massachusetts $127 $169 $254
Westminster town, Worcester County, Massachusetts $129 $171 $257

Gardner, 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
Gardner, MA4.8%14.7%
South Ashburnham4.49%16.22%
Templeton4.61%18.01%
Westminster4.51%13.57%

Gardner Renters Insurance as a Percentage of Rent

Gardner Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 226 6.0% $373
$200 to $299 293 8.0% $823
$300 to $499 274 8.0% $1273
$500 to $749 999 30.0% $1948
$750 to $999 860 25.0% $2698
$1,000 to $1,499 550 16.0% $3823
$1,500 or more 119 3.0% $5473

Gardner, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Gardner Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,600$8,000
Net Savings to Gardner Home Owner from High Deductible Plan $600

Gardner, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gardner, MA Home Replacement Value MORE than Home Value Gardner, MA Home Replacement Value LESS than Home Value
Replacement Value $227,500 $164,500
Insurance Premium based on Replacement Value $1,975 $1,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $42,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $175/year

Example Gardner Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceAmica Mutual Insurance Company
Monthly Premium 92103146
Year Built 198819551949
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$250000-$300000
Deductible $500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 205,000 Asphalt Shingles Roof 1,740 3 $5000 to $10,000 Deductible 710 9 Stone Siding No
1988 395,000 Tile Roof 3,170 4 $2500-$5000 Deductible 480 3 Stucco siding No
1987 190,000 Membrane Roof 1,650 2 $500- $1000 Deductible 670 7 Stone Siding No
1957 245,000 Wood Shake Roof 2,380 3 $1000-$2500 Deductible 140 1 Stucco siding yes
1945 205,000 Shingles Roof 1,870 4 $2500-$5000 Deductible 830 8 Brick siding yes
1985 170,000 Wood Shake Roof 1,420 3 $1000-$2500 Deductible 730 7 Wood siding yes
1947 370,000 Shingles Roof 3,250 4 $500- $1000 Deductible 1780 9 Vinyl siding yes
1988 130,000 Membrane Roof 1,060 2 $500 Deductible 140 2 Stucco siding No
1988 210,000 Tile Roof 1,800 4 $2500-$5000 Deductible 700 8 Fiber-Cement Siding yes
1946 215,000 Wood Shake Roof 2,030 3 $2500-$5000 Deductible 680 5 Vinyl siding No
1990 105,000 Shingles Roof 1,120 2 $2500-$5000 Deductible 210 3 Vinyl siding yes
1947 230,000 Shingles Roof 2,250 4 $2500-$5000 Deductible 480 5 Brick siding yes
1998 175,000 Slate Shingles Roof 1,520 3 $1000-$2500 Deductible 700 8 Brick siding yes
1946 240,000 Composition Roof 2,010 4 $500- $1000 Deductible 170 1 Fiber-Cement Siding yes
1994 305,000 Membrane Roof 3,040 4 $2500-$5000 Deductible 620 5 Wood siding yes
1985 285,000 Wood Shake Roof 2,640 4 $5000 to $10,000 Deductible 340 4 Brick siding yes
1994 185,000 Metal Roof 2,070 4 $500 Deductible 1460 10 Wood siding No