Jamestown Insurance Rates:

Jamestown, RI homeowners insurance is about $997 to $1,424, about $83-$118/month. Our comprehensive guide shows customers can save as much as $484 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Jamestown, RI Homeowners Insurance By Home Value

Jamestown, RI Home Value Total Homes % of Total Average Jamestown, RI Homeowners Insurance
Less than $50,000 22 3.0% $48
$100,000 to $124,999 16 2.0% $254
$150,000 to $174,999 96 15.0% $375
$175,000 to $199,999 31 4.0% $435
$200,000 to $249,999 36 5.0% $520
$250,000 to $299,999 115 18.0% $641
$300,000 to $399,999 320 50.0% $811

Top Home Insurance Agents Near Jamestown, RI

Home Insurance Company Near Jamestown, RI Homeowners Insurance Agency Near Jamestown, RI Address
Travelers Willis Mackinnon Insurance Agency Inc 5 MAN MAR DR, PLAINVILLE, MA, 2762
Liberty Mutual Independent Aloisio Ins Associates Inc 1232 MINERAL SPRING AVE, NORTH PROVIDENCE, RI, 2904
Nationwide James M Dolan 560 Mendon Rd, Cumberland, RI, 02864-6215
Travelers Maggiacomo Insurance Agency 260 W Exchange St Ste 2 260 W Exchange St Ste 2, Providence, RI, 2903
Travelers Sarah Insurance Services Inc 1026 MINERAL SPRING AVE, NORTH PROVIDENCE, RI, 2904

Cost Of Homeowners Insurance By Street Near Jamestown, RI

Streets in Jamestown Area Homeowners Insurance Cost
Roseneath Ave, Coggeshall Ave, Corys Ln, Atlantic St, Davit Ave, Bay Ave, Marine Ave, Marine Ave, Homestead Ave, Sweet Farm Rd$1,143
McIntosh Dr, Davit, Beach Ave, Seaview Ave, Hilltop Dr, Rose St, Thurston Ave, Harbor View Rd, Lawn Ave, State Rte 114$1,142
Andrew St, Pine Tree Rd, Scotty Dr, Clearview Ave, Marcello Dr, W Bay View Dr, Penny Rd, Bryer Ave, Mount Hope Ave, Jepson Ln$1,244
Reservoir Cir, Rolling Green Rd, Luther St, Raphael Ave, Redwood Rd, Damon St, Bay Ter, Port Ave, Ladeira Ave, Carriage Dr$1,140
Fort Getty Rd, E Shore Rd, Mail Coach Rd, Cherry Creek Rd, Potter St, Stockholm St, Fox Run, Worden St, Kenneth Ave, Frigate St$1,229

Jamestown, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Jamestown$175 to $187
Newport$174
Newport East$169
Middletown$170

Jamestown, 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
Newport city, Rhode Island $145 $193 $290
Newport East CDP, Rhode Island $141 $187 $281
Middletown town, Newport County, Rhode Island $142 $189 $284

Jamestown, 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
Jamestown, RI5.0%12.6%
Newport4.43%12.52%
Newport East4.77%13.32%
Middletown4.46%12.84%

Jamestown Renters Insurance as a Percentage of Rent

Jamestown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 17 4.0% $296
$200 to $299 14 3.0% $746
$300 to $499 57 15.0% $1196
$500 to $749 39 10.0% $1871
$750 to $999 44 11.0% $2621
$1,000 to $1,499 103 27.0% $3746
$1,500 or more 106 27.0% $5396

Jamestown, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Jamestown Homeowner Insurance Premium Example $6,000$5,500
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $49,000$48,000
Net Savings to Jamestown Home Owner from High Deductible Plan $1,000

Jamestown, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Jamestown, RI Home Replacement Value MORE than Home Value Jamestown, RI Home Replacement Value LESS than Home Value
Replacement Value $591,000 $409,500
Insurance Premium based on Replacement Value $5,550 $3,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $109,000 Risk Exposure from Under Insuring Coverage is $72,500
Premium Impact Insurance cheaper by $675/year Insurance costlier by $1,025/year

Example Jamestown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateLiberty Mutual
Monthly Premium 338374332
Year Built 197420071998
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $400000-$500000$500000-$600000$600000-$700000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 660,000 Slate Shingles Roof 3,270 4 $500- $1000 Deductible 1200 2 Wood siding No
1940 590,000 Metal Roof 2,990 4 > $10,000 Deductible 1420 8 Wood siding No
1972 500,000 Tile Roof 2,320 4 $2500-$5000 Deductible 2270 7 Stucco siding No
1992 585,000 Wood Shake Roof 2,840 4 $5000 to $10,000 Deductible 1130 3 Vinyl siding yes
1987 600,000 Asphalt Shingles Roof 2,120 4 $500- $1000 Deductible 6370 12 Stone Siding yes
1970 875,000 Shingles Roof 3,060 4 $2500-$5000 Deductible 4300 8 Fiber-Cement Siding No
2001 340,000 Tile Roof 1,210 3 $2500-$5000 Deductible 1710 7 Vinyl siding yes
1976 1,020,000 Composition Roof 4,580 5 > $10,000 Deductible 2810 8 Stucco siding yes
1947 895,000 Tile Roof 3,320 5 > $10,000 Deductible 340 1 Stone Siding No
1992 385,000 Asphalt Shingles Roof 1,490 3 $2500-$5000 Deductible 1640 8 Vinyl siding yes
1944 535,000 Slate Shingles Roof 2,070 4 $500 Deductible 3680 12 Stucco siding yes
1995 800,000 Slate Shingles Roof 4,040 5 $500- $1000 Deductible 650 1 Vinyl siding No
2001 735,000 Wood Shake Roof 3,430 5 $2500-$5000 Deductible 3660 7 Fiber-Cement Siding No
1948 470,000 Slate Shingles Roof 2,260 4 $500 Deductible 3110 9 Stucco siding yes
1949 1,145,000 Asphalt Shingles Roof 3,880 5 $500- $1000 Deductible 6940 8 Stucco siding No
1947 645,000 Wood Shake Roof 2,360 5 $1000-$2500 Deductible 3590 10 Vinyl siding yes
1973 410,000 Shingles Roof 1,610 5 $2500-$5000 Deductible 710 4 Stone Siding yes
1999 805,000 Composition Roof 3,030 4 $500 Deductible 6750 10 Vinyl siding No
1992 340,000 Metal Roof 1,330 3 $5000 to $10,000 Deductible 560 4 Fiber-Cement Siding No
1988 395,000 Membrane Roof 1,550 3 > $10,000 Deductible 650 5 Fiber-Cement Siding yes
1999 525,000 Wood Shake Roof 2,230 4 $5000 to $10,000 Deductible 1870 9 Vinyl siding No
1945 535,000 Metal Roof 1,920 3 $500- $1000 Deductible 2830 10 Brick siding yes
1940 385,000 Tile Roof 1,510 3 $2500-$5000 Deductible 310 1 Stucco siding No
1940 380,000 Tile Roof 1,910 4 $5000 to $10,000 Deductible 2050 10 Wood siding No
1994 395,000 Slate Shingles Roof 1,440 3 $5000 to $10,000 Deductible 1840 8 Stone Siding No
1997 830,000 Slate Shingles Roof 2,950 4 > $10,000 Deductible 4420 10 Stucco siding No
1993 595,000 Wood Shake Roof 2,610 5 $2500-$5000 Deductible 4130 12 Wood siding yes
1999 405,000 Wood Shake Roof 1,670 5 $500 Deductible 2230 6 Stucco siding No