North Smithfield, RI homeowners insurance is about $941 to $1,285, about $78-$107/month. Our thorough analysis shows customers can save upto $445 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near North Smithfield, RI | Homeowners Insurance Agency Near North Smithfield, RI | Address |
|---|---|---|
| Travelers | Esten & Richard Agency Inc | 342 PARK AVE, Steward Sneed Hewes, RI, 2895 |
| Travelers | Herbert W Lewis Insurance Agency Inc | 19 West Street, Walpole, MA, 2081 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Woonsocket city, Rhode Island | $134 | $178 | $267 |
| Cumberland Hill CDP, Rhode Island | $137 | $182 | $273 |
| Blackstone town, Worcester County, Massachusetts | $129 | $172 | $258 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| North Smithfield, RI | 4.9% | 13.1% |
| Woonsocket | 5.13% | 15.32% |
| Cumberland Hill | 4.79% | 14.32% |
| Blackstone | 4.06% | 14.31% |
| North Smithfield Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 28 | 2.0% | $335 |
| $200 to $299 | 118 | 10.0% | $785 |
| $300 to $499 | 87 | 7.0% | $1235 |
| $500 to $749 | 94 | 8.0% | $1910 |
| $750 to $999 | 453 | 40.0% | $2660 |
| $1,000 to $1,499 | 226 | 20.0% | $3785 |
| $1,500 or more | 116 | 10.0% | $5435 |
| Streets in North Smithfield Area | Homeowners Insurance Cost |
|---|---|
| Pine Ct, Oak Hill Ave, Shady Ln, Ferrier St, Park Dr, Woonsocket Hill Rd, Willerval Ave, Birch Hill Ave, Mountain Rd, Indian Head Ln | $1,091 |
| Overlea Rd, Buell Ave, State Rte 146 Alt, Franconia Dr, Lester St, Mattity Rd, Freitas Ln, Canal St, Robin Way, Antaya Dr | $1,136 |
| Deborah Ave, Sky View Rd, Wildwood Rd, Briden St, Eddie Dowling Hwy, Jennifer Ln, Leonard Dr, Oaklawn Rd, Lapre Rd, Halliwell Blvd | $1,107 |
| Blueberry Hill Rd, Old Louisquisset Pike, Bridge Walk, Log Rd, Belcher Ave, Hollow Rd, State Rte 146 Alt, Hanton Rd, Winchester Ave, Comstock Rd | $1,123 |
| Courtney Dr, Patricia Ave, Old Oxford Rd, Roselawn Ave, Sharon Pkwy, Gilfillan Rd, Esmond Rd, Cider Mill Rd, Buxton St, Homecrest Ave | $1,115 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| North Smithfield | $165 to $168 |
| Woonsocket | $160 |
| Cumberland Hill | $163 |
| Blackstone | $155 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| Yearly North Smithfield Homeowner Insurance Premium Example | $3,000 | $2,500 |
| Out of Pocket Expense During Claim | $1,700 | $2,700 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $13,700 | $12,700 |
| Net Savings to North Smithfield Home Owner from High Deductible Plan | $1,000 | |
| Scenario | North Smithfield, RI Home Replacement Value MORE than Home Value | North Smithfield, RI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $357,000 | $231,000 |
| Insurance Premium based on Replacement Value | $3,225 | $2,075 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $61,500 | Risk Exposure from Under Insuring Coverage is $64,500 |
| Premium Impact | Insurance cheaper by $600/year | Insurance costlier by $550/year |
| Insurance Company | Allstate | Nationwide Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 137 | 179 | 309 |
| Year Built | 1970 | 1999 | 1949 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $350000-$400000 |
| Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible | $500 Deductible |