Springfield Insurance Rates:

Springfield, MA homeowners insurance is approximately $845 to $1,142, about $70-$95/month. Our extensive analysis shows customers can save as much as $397 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
The only negative thing that i can say about nationwide is that they don't have a lot of plans to choose from. they could have more.
State Farm
On the first time to buy the home insurance in state farm insurance company, it is very low cost, that is a good price.
Homesite Insurance
In my area, homesite has competitive pricing for replacement home and possessions insurance. the rates were about 20% lower than the competitors that i researched.
State Farm
Their billing department is not always cohesive. I received a late payment warning once when the website indicated that my payment was not due for a month.
State Farm
Their mobile app doesn't load properly or crashes my phone. It seems easier to just use the website to make any claims.
State Farm
This is primarily with claims, but they seem to be very proactive and helpful from the initial claim throughout the resolution.
Aaa
Anytime I have had an issue, I have been able to contact my agent and they have taken care of me in a short time period.
State Farm
I like that the website is easy to use and navigate across. Is usually relatively easy for me to find information that I am looking for. I dislike that certain things I am not able to find and need to call in a representative.
Farmer's Insurance
I like that they took time to sit down and discuss details of my plan with me. They also worked to get me as many discounts as possible even adjusting my plan as the discounts became available to me
Geico
I like the ease of use. I like the fact that it's easy to get in touch with an actual human being. I like the fact that through the app my company responds very quickly.
Ameriprise Financial
THERE IS NOTHING I DISLIKE ABOUT THE COMPANY. I HAVE NOT HAD TO FILE ANY CLAIMS. THE RATES ARE GOOD AND THE BILLING PROCESS IS HANDLED SMOOTHLY. THERE HAVE BEEN NO ISSUES THAT HAVE CAUSED ME TO CONTACT THE COMPANY.
State Farm
It could be better, but it could be worse. It could be a lot worse. There are horror stories that my friends have told me, with some companies even folding and not being able to uphold their policies. So I at least have confidence in State Farm, even if I do find it highly flawed.
Safety Insurance
I would like to find cheaper insurance without losing the benefits I currently have.
Progressive
I would recommend Progressive for home insurance because they are easy to work with, affordable and have good customer service.
State Farm
Their customer service is so good, I have a local agent so I can call them anytime or even stop in the office. It's way better than having to call an 800 number from somewhere.
Allstate
Overall, I think Allstate is a great company. I think they have the best interest of their customers in mind and do a great job to make sure everything is communicated and is very transparent.
Travelers
They have good rates each year. Their customer service is great as well. When I call they are always friendly
State Farm
They have a reputation as reliable in paying (eventually) in an area known for storm damage here. They have not gone up and given us opportunities for discount rates.
Allstate
I like the company Allstate overall because the claims process was pretty easy. I called to find out my claim wasn't assigned to an adjuster, once we were assigned an adjuster he came out to the house within that next week and cut us a check on the spot to go towards repairs.

Springfield, MA Homeowners Insurance By Home Value

Springfield, MA Home Value Total Homes % of Total Average Springfield, MA Homeowners Insurance
Less than $50,000 1,015 3.0% $159
$60,000 to $69,999 281 1.0% $417
$70,000 to $79,999 508 1.0% $487
$80,000 to $89,999 770 2.0% $546
$90,000 to $99,999 907 3.0% $616
$100,000 to $124,999 4,038 14.0% $715
$125,000 to $149,999 5,581 20.0% $894
$150,000 to $174,999 6,143 22.0% $1053
$175,000 to $199,999 3,596 13.0% $1212
$200,000 to $249,999 2,810 10.0% $1461
$250,000 to $299,999 807 2.0% $1789
$300,000 to $399,999 679 2.0% $2276

Top Home Insurance Agents Near Springfield, MA

Home Insurance Company Near Springfield, MA Homeowners Insurance Agency Near Springfield, MA Address
NA Mirick Insurance Agency 28 Bridge Street , Shelburne Falls, MA, 1370
NA Assurance Group Inc 45 Lyman Street Suite 25, Westborough, MA, 1581
Liberty Mutual Amy Varza 751 Straits Turnpike Ste 1000, Middlebury, CT, 6762
Travelers Mccrillis & Keep Insurance Agcy, Inc. 44 AUBURN ST, AUBURN, MA, 1501
Travelers Mcgrath Insurance Group Inc 258 MAIN ST, STURBRIDGE, MA, 1566

Cost Of Homeowners Insurance By Street Near Springfield, MA

Streets in Springfield Area Homeowners Insurance Cost
Sachem St, Grenada Ter, Arbutus St, Mill Ln, Cornell St, Bunker Cir, Forest Hills Rd, Fern St, Buick St, Spencer St$994
Old Lane Rd, Lawton St, Sara Lynn Dr, Haskin St, Rita St, Dorchester St, Rockland Ter, Princess Rd, Genesee St, Harkness Ave$997
Arion Pl, Telbar St, Lumae St, Tiffany St, Joseph St, Lynwood Ter, Commonwealth Ave, Edgemere Rd, Wing St, Hamilton St$984
Gillette Cir, Spencer Ct, Greenacre Sq, Breckwood Blvd, Norman St, Ivan St, 4th St, David St, Normandy Rd, Lancashire Rd$984
Sherwood Rd, Pinecrest Dr, Savoy Ave, Baltimore Ave, Puritan Rd, Gilbert Ave, Maura St, Waltham Ave, Drumlin Rd, Ramah St$988
Summerfield St, Driftwood Rd, Rosewell St, Burt Rd, Tufts St, Rapalus St, Emeline Ct, Geneva St, Elliot St, Hebron St$998
Silas St, Sheridan Ln, Gerrish Ct, Prince St, Frank St, 2nd St, Margerie St, Veterans Way, Bartels St, Corey Rd$1,004
Hawthorne St, Garibaldi St, Dawes St, Cherryvale Ave, Lenox St, Breck Pl, Magaziner Pl, Monmouth St, Itendale St, Harbour Rd$1,007
E Court St, E Park St, Delano Dr, Magnolia Ter, Squirrel Rd, Texel Dr, Claremont St, Rosemary Dr, Navajo Rd, Castlegate Dr$1,008
Noel St, Yorktown Dr, Fairbank Pl, Bowles St, Wentworth St, Turner St, Lois St, Shepherd Dr, Turnbull St, Frank B Murray St$998

Springfield, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Springfield$148 to $151
East Longmeadow$154
Chicopee$150
Longmeadow$158

Springfield, 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
East Longmeadow town, Hampden County, Massachusetts $129 $171 $257
Chicopee city, Massachusetts $125 $167 $250
Longmeadow CDP, Massachusetts $132 $175 $263

Springfield, 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
Springfield, MA5.8%15.3%
East Longmeadow4.34%12.75%
Chicopee5.92%15.77%
Longmeadow3.72%9.79%

Springfield Renters Insurance as a Percentage of Rent

Springfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,396 5.0% $378
$200 to $299 2,880 10.0% $828
$300 to $499 3,340 12.0% $1278
$500 to $749 5,166 19.0% $1953
$750 to $999 7,368 27.0% $2703
$1,000 to $1,499 5,859 21.0% $3828
$1,500 or more 1,083 3.0% $5478

Springfield, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$4,600
Yearly Springfield Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$1,600$4,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $17,600$16,600
Net Savings to Springfield Home Owner from High Deductible Plan $1,000

Springfield, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Springfield, MA Home Replacement Value MORE than Home Value Springfield, MA Home Replacement Value LESS than Home Value
Replacement Value $161,000 $111,000
Insurance Premium based on Replacement Value $1,400 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $200/year

Example Springfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 15210868
Year Built 195419681984
Home Details 4 Beds, 1 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$125000-$150000$100000-$125000
Deductible $5000 to $10,000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1956 200,000 Shingles Roof 2,270 4 $500- $1000 Deductible 1160 9 Fiber-Cement Siding yes
1983 240,000 Metal Roof 2,140 3 $1000-$2500 Deductible 1420 8 Fiber-Cement Siding No
1950 490,000 Slate Shingles Roof 4,400 5 $500- $1000 Deductible 3010 12 Vinyl siding No
1964 315,000 Wood Shake Roof 3,340 5 $2500-$5000 Deductible 450 3 Vinyl siding No
1954 250,000 Membrane Roof 3,220 4 $500 Deductible 1440 9 Stone Siding No
1943 250,000 Asphalt Shingles Roof 3,070 4 $500- $1000 Deductible 720 5 Vinyl siding yes
1953 250,000 Asphalt Shingles Roof 2,250 5 $1000-$2500 Deductible 900 7 Stone Siding yes
1954 175,000 Shingles Roof 1,790 5 $1000-$2500 Deductible 280 4 Vinyl siding No
1989 175,000 Wood Shake Roof 1,750 2 $2500-$5000 Deductible 710 6 Stone Siding No
1980 150,000 Composition Roof 1,570 2 $500 Deductible 900 8 Brick siding yes
1966 105,000 Shingles Roof 1,410 3 $1000-$2500 Deductible 80 2 Vinyl siding yes
1968 195,000 Composition Roof 1,780 2 $1000-$2500 Deductible 110 1 Wood siding No
1957 240,000 Wood Shake Roof 3,250 5 > $10,000 Deductible 90 1 Stone Siding No
1981 125,000 Tile Roof 1,350 3 $500 Deductible 1060 12 Vinyl siding No
1957 140,000 Metal Roof 1,540 5 $500 Deductible 930 10 Fiber-Cement Siding No
1954 130,000 Tile Roof 1,560 3 $500 Deductible 980 10 Brick siding No
1943 190,000 Shingles Roof 1,870 4 $500- $1000 Deductible 760 8 Vinyl siding No
1967 390,000 Metal Roof 4,310 5 $500 Deductible 300 1 Brick siding No
1981 405,000 Composition Roof 3,870 5 $500- $1000 Deductible 1580 9 Vinyl siding No
1955 165,000 Slate Shingles Roof 1,760 3 $2500-$5000 Deductible 110 1 Fiber-Cement Siding yes
1947 325,000 Wood Shake Roof 4,090 5 $1000-$2500 Deductible 360 2 Vinyl siding No
1953 170,000 Membrane Roof 1,710 5 $2500-$5000 Deductible 480 7 Brick siding yes
1966 180,000 Wood Shake Roof 1,840 3 $500- $1000 Deductible 430 4 Stone Siding No
1985 145,000 Tile Roof 1,710 2 $2500-$5000 Deductible 170 3 Stone Siding yes
1964 310,000 Composition Roof 3,500 5 > $10,000 Deductible 550 6 Stone Siding No
1986 100,000 Metal Roof 1,060 2 $2500-$5000 Deductible 460 12 Stucco siding No
1959 340,000 Slate Shingles Roof 3,880 5 $5000 to $10,000 Deductible 1360 10 Fiber-Cement Siding yes
1958 140,000 Asphalt Shingles Roof 1,640 3 $2500-$5000 Deductible 150 3 Stone Siding No
1942 60,000 Wood Shake Roof 1,027 2 $2500-$5000 Deductible 160 3 Fiber-Cement Siding yes