Springfield, MA Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
This is primarily with claims, but they seem to be very proactive and helpful from the initial claim throughout the resolution.
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.
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.
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
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.
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.
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.
I would like to find cheaper insurance without losing the benefits I currently have.
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.
They have good rates each year. Their customer service is great as well. When I call they are always friendly
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.
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.
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.
On the first time to buy the home insurance in state farm insurance company, it is very low cost, that is a good price.
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.
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.
Their mobile app doesn't load properly or crashes my phone. It seems easier to just use the website to make any claims.
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
|Place||Savings For Senior Occupied Homes|
|Springfield||$148 to $151|
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
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
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 Deductible||High Deductible|
|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|
|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 Insurance||State Farm||Amica Mutual Insurance Company|
|Home Details||4 Beds, 1 Baths||5 Beds, 3 Baths||2 Beds, 1 Baths|
|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|
|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|