Lunenburg Insurance Rates:

Lunenburg, MA homeowners insurance is roughly $879 to $1,198, about $73-$99/month. Our comprehensive analysis reveals consumers can save as much as $415 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lunenburg, MA Homeowners Insurance By Home Value

Lunenburg, MA Home Value Total Homes % of Total Average Lunenburg, MA Homeowners Insurance
Less than $50,000 99 3.0% $83
$100,000 to $124,999 53 1.0% $384
$125,000 to $149,999 73 2.0% $487
$150,000 to $174,999 132 4.0% $570
$175,000 to $199,999 277 9.0% $664
$200,000 to $249,999 547 18.0% $799
$250,000 to $299,999 665 22.0% $975
$300,000 to $399,999 1,029 35.0% $1235

Top Home Insurance Agents Near Lunenburg, MA

Home Insurance Company Near Lunenburg, MA Homeowners Insurance Agency Near Lunenburg, MA Address
NA B & S Gillis Insurance 383R Lowell St Ste 2E, Wakefield, MA, 1880
NA First Insurance Services 11 Whitney Drive, Peabody, MA, 1960
NA Donnelly & Reed Insurance Inc One Centre Street , Malden, MA, 2148
Travelers Babineau Insurance Agency 546 Electric Avenue, Fitchburg, MA, 1420
Travelers John E Biggio 399 WINTHROP ST, WINTHROP, MA, 2152

Cost Of Homeowners Insurance By Street Near Lunenburg, MA

Streets in Lunenburg Area Homeowners Insurance Cost
Spring St Exd, Boucher Rd, Townsend Harbor Rd, Asplund Dr, Page St, Smith Dr, W Groton Rd, Thorndike St, Buttonwood Pl, Elmwood Rd$1,028
Lawton Ave, Harbor Ter, Ramgren Rd, Cove Rd, Arbor St, The Clearing St, Sunset Ave, Windermere Dr, Iris Ct, Goodrich St$1,028
Autumn Rd, Andrew Ter, Wilderwood Ave, Robbs Hill Rd, Horizon Island Rd, Francis Ave, Broad Meadow Dr, Fairview Rd, Sandy Cove Rd, Cliffview Ter$1,028
Ferdinand Pw, Townsend Harbor Rd, Shaker Ct, S Row Rd, Burke St, Wintergreen Ct, Winter Hill Rd, Lancaster Ave, Page Hill Rd, Chase Rd$1,028
Lake Front Ave, Kingman St, Fire Rd 16, Riley Rd, Jacklyn Dr, Fort Pond Rd, Stonefence Rd, Joslin St, Whalom Rd, Carr Ave$1,026

Lunenburg, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lunenburg$155 to $158
Shirley$155
Leominster$153
Fitchburg$151

Lunenburg, 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
Shirley town, Middlesex County, Massachusetts $130 $173 $259
Leominster city, Massachusetts $128 $170 $255
Fitchburg city, Massachusetts $126 $168 $252

Lunenburg, 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
Lunenburg, MA4.4%12%
Shirley4.15%15.07%
Leominster4.59%14.53%
Fitchburg4.95%14.41%

Lunenburg Renters Insurance as a Percentage of Rent

Lunenburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 15 3.0% $357
$200 to $299 17 3.0% $807
$300 to $499 56 13.0% $1257
$500 to $749 40 9.0% $1932
$750 to $999 149 34.0% $2682
$1,000 to $1,499 129 30.0% $3807
$1,500 or more 23 5.0% $5457

Lunenburg, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Lunenburg Homeowner Insurance Premium Example $2,100$1,600
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,700$15,200
Net Savings to Lunenburg Home Owner from High Deductible Plan $500

Lunenburg, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lunenburg, MA Home Replacement Value MORE than Home Value Lunenburg, MA Home Replacement Value LESS than Home Value
Replacement Value $298,000 $209,000
Insurance Premium based on Replacement Value $2,300 $1,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $52,500 Risk Exposure from Under Insuring Coverage is $36,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $425/year

Example Lunenburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 208133213
Year Built 201119471984
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $300000-$350000$250000-$300000$250000-$300000
Deductible $500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 320,000 Shingles Roof 2,250 3 > $10,000 Deductible 680 6 Brick siding yes
2013 390,000 Asphalt Shingles Roof 2,730 5 $5000 to $10,000 Deductible 1850 9 Wood siding No
1960 180,000 Membrane Roof 1,340 3 $1000-$2500 Deductible 860 8 Brick siding yes
1946 460,000 Membrane Roof 3,660 5 $500 Deductible 2440 9 Stucco siding yes
1968 535,000 Slate Shingles Roof 3,940 5 > $10,000 Deductible 1890 8 Brick siding yes
1991 535,000 Slate Shingles Roof 3,250 4 $5000 to $10,000 Deductible 1540 8 Fiber-Cement Siding yes
1990 390,000 Asphalt Shingles Roof 2,380 3 $2500-$5000 Deductible 2940 12 Fiber-Cement Siding yes
1992 270,000 Wood Shake Roof 1,690 4 $500- $1000 Deductible 180 1 Vinyl siding No
1988 255,000 Asphalt Shingles Roof 1,990 5 > $10,000 Deductible 430 7 Vinyl siding yes
2014 635,000 Metal Roof 4,400 5 $1000-$2500 Deductible 1430 3 Vinyl siding No
1942 380,000 Asphalt Shingles Roof 2,110 3 $2500-$5000 Deductible 1100 7 Brick siding yes
1968 620,000 Shingles Roof 4,390 5 $1000-$2500 Deductible 2140 5 Brick siding yes
1943 525,000 Asphalt Shingles Roof 3,280 4 $500- $1000 Deductible 1110 3 Fiber-Cement Siding No
1941 365,000 Composition Roof 3,030 4 $5000 to $10,000 Deductible 780 7 Vinyl siding No
2013 300,000 Tile Roof 2,380 3 $5000 to $10,000 Deductible 1250 12 Vinyl siding No
2013 485,000 Wood Shake Roof 2,830 4 $1000-$2500 Deductible 280 1 Stone Siding yes
2011 235,000 Shingles Roof 1,640 4 $5000 to $10,000 Deductible 1300 9 Fiber-Cement Siding No
2013 355,000 Slate Shingles Roof 2,320 4 $1000-$2500 Deductible 350 2 Wood siding yes
1988 310,000 Tile Roof 2,440 5 $5000 to $10,000 Deductible 860 6 Vinyl siding No
1968 195,000 Slate Shingles Roof 1,210 3 $5000 to $10,000 Deductible 80 1 Stucco siding No
1941 365,000 Wood Shake Roof 2,520 5 $5000 to $10,000 Deductible 790 5 Stone Siding yes
1997 235,000 Slate Shingles Roof 1,610 5 $2500-$5000 Deductible 1120 10 Stone Siding No
1987 565,000 Wood Shake Roof 4,410 5 $5000 to $10,000 Deductible 2000 9 Stone Siding No
1992 305,000 Membrane Roof 1,950 5 $1000-$2500 Deductible 520 4 Brick siding No
1988 300,000 Asphalt Shingles Roof 2,010 4 $1000-$2500 Deductible 750 5 Stucco siding yes
1965 290,000 Metal Roof 1,630 4 $500- $1000 Deductible 140 1 Wood siding No
1948 320,000 Composition Roof 1,840 5 $2500-$5000 Deductible 460 3 Vinyl siding No
1943 575,000 Wood Shake Roof 3,210 4 $2500-$5000 Deductible 3420 9 Stone Siding No