Portsmouth Insurance Rates:

Portsmouth, RI homeowners insurance is approximately $967 to $1,320, about $80-$110/month. Our comprehensive guide indicates shoppers can save upto $457 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Portsmouth, RI Homeowners Insurance By Home Value

Portsmouth, RI Home Value Total Homes % of Total Average Portsmouth, RI Homeowners Insurance
Less than $50,000 164 5.0% $68
$50,000 to $59,999 32 1.0% $160
$70,000 to $79,999 30 1.0% $228
$125,000 to $149,999 81 2.0% $422
$150,000 to $174,999 106 3.0% $502
$175,000 to $199,999 112 3.0% $582
$200,000 to $249,999 429 14.0% $697
$250,000 to $299,999 733 24.0% $857
$300,000 to $399,999 1,217 41.0% $1085

Top Home Insurance Agents Near Portsmouth, RI

Home Insurance Company Near Portsmouth, RI Homeowners Insurance Agency Near Portsmouth, RI Address
NA New England Insurance Network Inc 775 Pleasant St Ste 7, Weymouth, MA, 2189
NA Vaughn Insurance Group Inc 424 Adams St Ste 102 , Milton, MA, 2186
Nationwide Joseph W Blaeser 72 Tupelo St, Bristol, RI, 02809-2810
Travelers Legacy Insurance Agency Group 213 Main St, Wareham, MA, 2571
Allstate Sugeidy Mendez 58 Greenville Ave, Johnston, RI, 2919

Cost Of Homeowners Insurance By Street Near Portsmouth, RI

Streets in Portsmouth Area Homeowners Insurance Cost
Hilltop Dr, Jo Anne Ave, Rainbow Hts, Pearl St, Beach St, Duffy Ter, Donna Dr, Douglas Ave, Alden Ave, Valhalla Dr$1,152
Soares Dr, Mason Ave, Molleur Rd, High Hawk Rd, Coral St, Power, Silvania Rd, Potomac Rd, Center View Dr, Cherokee Dr$1,183
Fairview Ave, Carnegie Abbey Ln, Peggy Ln, Richard Dr, Sigourney Rd, Faulkner Cir, Atlantic Ave, Gormley Ave, Jesse Dr, Patriots Way$1,167
Stevens Rd, Eyler Dr, State Rte 114, Pioneer Ln, Pheasant Dr, Homestead Ln, Fischer Cir, Water St, Turnpike Ave, Col Christopher Greene Rd$1,189
Bleu Ln, Oakland Farm Rd, Mariel Rose Dr, Pleasant St, Edda Ave, Rebels Way, Wamsutta Ln, Aquidneck Ave, Dove St, Herreshoff Ln$1,154

Portsmouth, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Portsmouth$170 to $172
Bristol$169
Middletown$170
Tiverton$166

Portsmouth, 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
Bristol town, Bristol County, Rhode Island $169 $225 $338
Middletown town, Newport County, Rhode Island $170 $227 $341
Newport East CDP, Rhode Island $169 $225 $338

Portsmouth, 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
Portsmouth, RI4.3%12.8%
Bristol4.24%13.78%
Middletown4.46%12.84%
Newport East4.77%13.32%

Portsmouth Renters Insurance as a Percentage of Rent

Portsmouth Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 21 1.0% $773
$300 to $499 29 1.0% $1223
$500 to $749 169 10.0% $1898
$750 to $999 187 11.0% $2648
$1,000 to $1,499 533 31.0% $3773
$1,500 or more 714 42.0% $5423

Portsmouth, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$9,400
Yearly Portsmouth Homeowner Insurance Premium Example $4,900$3,300
Out of Pocket Expense During Claim$1,400$9,400
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $30,800$29,200
Net Savings to Portsmouth Home Owner from High Deductible Plan $1,600

Portsmouth, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Portsmouth, RI Home Replacement Value MORE than Home Value Portsmouth, RI Home Replacement Value LESS than Home Value
Replacement Value $520,000 $384,000
Insurance Premium based on Replacement Value $5,500 $4,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $68,000 Risk Exposure from Under Insuring Coverage is $68,000
Premium Impact Insurance cheaper by $700/year Insurance costlier by $725/year

Example Portsmouth Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceGEICO Insurance
Monthly Premium 526236264
Year Built 194819821972
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $700000-$800000$300000-$350000$300000-$350000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1946 515,000 Asphalt Shingles Roof 2,350 3 $1000-$2500 Deductible 790 2 Brick siding yes
2007 270,000 Slate Shingles Roof 1,610 4 $2500-$5000 Deductible 610 4 Vinyl siding yes
1949 185,000 Asphalt Shingles Roof 940 2 $2500-$5000 Deductible 450 3 Vinyl siding yes
2008 195,000 Slate Shingles Roof 1,350 2 $500- $1000 Deductible 1020 6 Vinyl siding No
1978 445,000 Membrane Roof 2,150 3 $500- $1000 Deductible 1140 4 Stone Siding yes
1996 345,000 Tile Roof 1,750 2 $1000-$2500 Deductible 620 2 Stone Siding yes
1999 515,000 Membrane Roof 3,050 4 $2500-$5000 Deductible 3280 12 Stucco siding No
1984 375,000 Membrane Roof 2,020 3 $2500-$5000 Deductible 230 1 Fiber-Cement Siding yes
1994 210,000 Wood Shake Roof 1,160 2 $500- $1000 Deductible 820 6 Stone Siding No
2003 250,000 Membrane Roof 1,360 2 > $10,000 Deductible 480 4 Stucco siding yes
1943 290,000 Composition Roof 1,650 2 $500 Deductible 1560 8 Wood siding No
1984 480,000 Composition Roof 2,320 3 $1000-$2500 Deductible 4030 12 Stone Siding yes
1983 310,000 Asphalt Shingles Roof 1,790 5 $5000 to $10,000 Deductible 950 7 Fiber-Cement Siding No
2009 230,000 Composition Roof 1,240 3 $5000 to $10,000 Deductible 1550 12 Stucco siding No
1970 450,000 Slate Shingles Roof 2,860 4 $500 Deductible 640 2 Stone Siding No
1979 275,000 Metal Roof 1,730 4 $1000-$2500 Deductible 730 4 Fiber-Cement Siding yes
1946 165,000 Composition Roof 1,130 2 $1000-$2500 Deductible 270 3 Stucco siding yes
1989 385,000 Tile Roof 2,290 5 $5000 to $10,000 Deductible 1620 7 Stone Siding yes
1999 375,000 Asphalt Shingles Roof 2,140 4 $5000 to $10,000 Deductible 1330 7 Stucco siding yes
1999 765,000 Tile Roof 3,710 5 $5000 to $10,000 Deductible 2140 4 Stucco siding No
1988 305,000 Membrane Roof 1,630 2 $1000-$2500 Deductible 2300 12 Stone Siding yes
1988 275,000 Asphalt Shingles Roof 1,570 3 $1000-$2500 Deductible 2480 12 Vinyl siding yes
1943 235,000 Composition Roof 1,500 2 $2500-$5000 Deductible 990 8 Stone Siding No
2002 230,000 Membrane Roof 1,520 3 $500- $1000 Deductible 1000 6 Wood siding yes
1946 485,000 Slate Shingles Roof 2,460 5 $5000 to $10,000 Deductible 3140 12 Stone Siding No
1984 920,000 Metal Roof 4,940 5 > $10,000 Deductible 1390 4 Fiber-Cement Siding No
1994 240,000 Tile Roof 1,480 2 $1000-$2500 Deductible 1150 7 Vinyl siding yes
1997 305,000 Wood Shake Roof 1,650 2 $500- $1000 Deductible 880 4 Stone Siding No