Somerville Insurance Rates:

Somerville, MA homeowners insurance is roughly $921 to $1,251, about $76-$104/month. Our comprehensive analysis reveals consumers can save upto $434 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
I'd definitely recommend State Farm. Their home insurance is a good deal, and they provide excellent service when you need them. I do wish they wouldn't send me so much mail though.
Geico
I would recommend GEICO to my friends and family because it's got the best price and everytime I had an issue, they always solve my problem to my expectations.
Geico
I recommend this company. They're a pretty typical insurance company,but their offerings are solid and the prices are reasonable.
Universal Property & Casualty Insurance Company
Always had a good experience with this company's customer service. The hold times were short and the staff was always friendly and knowledgeable.
Allstate
Available to answer my questions about my coverage at any time. there is always someone available to answer my calls.
Allstate
My insurance company's helpline is not open 24/7 making it hard for me to get in touch with them sometimes.
State Farm
I can always get hold of an agent fairly easily on the phone when i have questions about this company. sometimes they can answer my questions.
Travelers
I don't interact or communicate with them much. I get mail sent to me and some emails from time to time. I'm satisfied with it all.
Aaa
Overall, I am pleased with how much I have to pay for my insurance. I would have had to pay far more for State Farm than I currently do with more property with AAA.
Allstate
I like the personal touches and that there is still an agent and his staff to get to know. I like the coverage and knowing that they are there to help.
Allstate
The website is intuitive and it is easy to navigate. It is fun and easy to find the info that I need on the website.
Metlife
I would recommend Metlife based on my experience that I had with my house claim. It was a simple and easy process to get paid for it.
Geico
I would recommend Geico, especially for someone who already has car insurance with them, as that will help reduce the price. I would recommend progressive as well though.

Somerville, MA Homeowners Insurance By Home Value

Somerville, MA Home Value Total Homes % of Total Average Somerville, MA Homeowners Insurance
Less than $50,000 136 3.0% $54
$60,000 to $69,999 48 1.0% $152
$100,000 to $124,999 81 1.0% $260
$150,000 to $174,999 190 4.0% $390
$175,000 to $199,999 147 3.0% $456
$200,000 to $249,999 377 9.0% $553
$250,000 to $299,999 820 19.0% $673
$300,000 to $399,999 2,299 55.0% $857

Top Home Insurance Agents Near Somerville, MA

Home Insurance Company Near Somerville, MA Homeowners Insurance Agency Near Somerville, MA Address
NA Conway Insurance Agency, Inc. 715 Bedford St, Whitman, MA, 2382
NA Rose Insurance Agency 66 Loring Ave , Salem, MA, 1970
Travelers A & P Insurance 107 S Main St, Uxbridge, MA, 1569
Travelers G M Abodeely Ins Agcy Inc 135 THOMPSON RD, WEBSTER, MA, 1570
Liberty Mutual Independent Knight-Dik Insurance Agency 440 MAIN ST, WORCESTER, MA, 1608

Somerville, MA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Somerville, MA

Streets in Somerville Area Homeowners Insurance Cost
Lincoln Pkwy, College Hill Rd, Wisconsin Ave, Foskett St, Willow Ave, Maine Ter, Josephine Ave, Yorktown St, Clarendon Ave, Miller St$1,076
Direnzo Ter, Cameron Ave, Pearson Rd, Hersey St, Cedar Street Pl, Pearl Ter, Capen St, Jaques St, May Pl, Richdale Ave$1,070
Hawkins St, Dane St, Leon St, Ivaloo St, Mount Pleasant Ct, Bonair St, Rev Nazareno Properzi Way, Aldersey St, Tennyson St, Liberty Rd$1,091
Sargent Ave, Clarendon Ave, Conwell Ave, Ash Ave, Hamlet St, Wyatt Cir, Raymond Ave, Macarthur St, Waldo Ave, Harvard Pl$1,112
Greenville Ct, Sacramento St, Albion Pl, Edmands St, Henderson St, Skehan St, Wilton St, Ten Hills Rd, E Albion St, Connecticut Ave$1,085

Somerville, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Somerville$162 to $165
Cambridge$167
Medford$160
Everett$157

Somerville, 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
Cambridge city, Massachusetts $167 $223 $335
Medford city, Massachusetts $160 $213 $320
Everett city, Massachusetts $157 $209 $314

Somerville, 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
Somerville, MA3.8%11.5%
Cambridge3.8%12.32%
Medford3.79%11.82%
Everett3.87%12.76%

Somerville Renters Insurance as a Percentage of Rent

Somerville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 261 1.0% $334
$200 to $299 652 3.0% $784
$300 to $499 787 3.0% $1234
$500 to $749 1,196 5.0% $1909
$750 to $999 1,538 7.0% $2659
$1,000 to $1,499 8,030 39.0% $3784
$1,500 or more 8,081 39.0% $5434

Somerville, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Somerville Homeowner Insurance Premium Example $3,000$2,500
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $16,100$14,600
Net Savings to Somerville Home Owner from High Deductible Plan $1,500

Somerville, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Somerville, MA Home Replacement Value MORE than Home Value Somerville, MA Home Replacement Value LESS than Home Value
Replacement Value $564,500 $333,500
Insurance Premium based on Replacement Value $3,600 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $111,000 Risk Exposure from Under Insuring Coverage is $120,000
Premium Impact Insurance cheaper by $750/year Insurance costlier by $725/year

Example Somerville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmAllstate
Monthly Premium 191138339
Year Built 194519461948
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $350000-$400000$300000-$350000$500000-$600000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1941 730,000 Composition Roof 2,950 4 $500 Deductible 3960 7 Fiber-Cement Siding No
1941 205,000 Membrane Roof 940 2 > $10,000 Deductible 250 3 Stone Siding No
1943 355,000 Wood Shake Roof 2,070 3 $1000-$2500 Deductible 570 2 Stone Siding yes
1942 375,000 Tile Roof 1,480 2 $5000 to $10,000 Deductible 480 3 Stone Siding No
1949 395,000 Shingles Roof 1,660 3 $500- $1000 Deductible 1790 7 Vinyl siding yes
1945 455,000 Metal Roof 2,200 3 $500 Deductible 1480 5 Stone Siding No
1945 350,000 Composition Roof 1,500 2 $1000-$2500 Deductible 510 2 Vinyl siding yes
1945 730,000 Slate Shingles Roof 2,850 4 $1000-$2500 Deductible 3020 8 Fiber-Cement Siding yes
1940 370,000 Asphalt Shingles Roof 1,650 2 $1000-$2500 Deductible 430 2 Vinyl siding No
1948 260,000 Membrane Roof 1,220 2 $1000-$2500 Deductible 320 2 Stone Siding yes
1941 335,000 Composition Roof 1,440 3 $5000 to $10,000 Deductible 180 1 Brick siding No
1942 330,000 Shingles Roof 1,360 2 $500- $1000 Deductible 2420 12 Stone Siding yes
1948 240,000 Membrane Roof 1,380 3 $2500-$5000 Deductible 1110 10 Brick siding yes
1944 345,000 Slate Shingles Roof 1,440 2 $2500-$5000 Deductible 2280 12 Brick siding yes
1941 475,000 Membrane Roof 1,890 3 $500 Deductible 2250 7 Vinyl siding yes
1941 565,000 Wood Shake Roof 2,980 4 $2500-$5000 Deductible 3440 10 Wood siding yes
1940 270,000 Shingles Roof 1,110 2 $500 Deductible 1290 6 Brick siding yes
1942 445,000 Asphalt Shingles Roof 1,890 4 $2500-$5000 Deductible 2930 12 Vinyl siding yes
1941 325,000 Metal Roof 1,480 2 $5000 to $10,000 Deductible 700 6 Fiber-Cement Siding No
1940 470,000 Membrane Roof 2,410 4 $500- $1000 Deductible 1100 4 Vinyl siding No
1949 400,000 Membrane Roof 1,670 3 $500 Deductible 2650 12 Brick siding No
1942 365,000 Wood Shake Roof 1,880 3 $1000-$2500 Deductible 740 3 Stone Siding No
1941 325,000 Shingles Roof 1,350 2 $5000 to $10,000 Deductible 1000 7 Stucco siding No
1949 320,000 Tile Roof 1,780 2 $2500-$5000 Deductible 160 1 Wood siding No
1949 380,000 Shingles Roof 1,770 2 $500- $1000 Deductible 2820 10 Vinyl siding No
1943 580,000 Asphalt Shingles Roof 2,980 4 $500- $1000 Deductible 670 2 Brick siding No
1946 705,000 Membrane Roof 3,350 4 $5000 to $10,000 Deductible 660 2 Fiber-Cement Siding No
1947 160,000 Shingles Roof 910 2 $1000-$2500 Deductible 280 3 Wood siding yes
1942 485,000 Asphalt Shingles Roof 2,430 4 $500- $1000 Deductible 1660 5 Wood siding No
1949 335,000 Asphalt Shingles Roof 1,490 2 $500 Deductible 950 6 Fiber-Cement Siding No
1949 360,000 Composition Roof 1,540 2 > $10,000 Deductible 830 6 Wood siding No
1942 200,000 Membrane Roof 940 2 > $10,000 Deductible 450 7 Wood siding No
1940 280,000 Composition Roof 1,300 3 $500 Deductible 1780 12 Fiber-Cement Siding No
1943 585,000 Membrane Roof 2,510 4 $1000-$2500 Deductible 1820 5 Vinyl siding No

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