Sturbridge Insurance Rates:

Sturbridge, MA homeowners insurance is roughly $879 to $1,199, about $73-$99/month. Our in depth research reveals consumers can save upto $415 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Sturbridge, MA Homeowners Insurance By Home Value

Sturbridge, MA Home Value Total Homes % of Total Average Sturbridge, MA Homeowners Insurance
Less than $50,000 44 1.0% $83
$80,000 to $89,999 36 1.0% $290
$100,000 to $124,999 80 3.0% $384
$125,000 to $149,999 33 1.0% $477
$150,000 to $174,999 125 5.0% $570
$175,000 to $199,999 218 9.0% $653
$200,000 to $249,999 358 15.0% $788
$250,000 to $299,999 598 25.0% $965
$300,000 to $399,999 847 35.0% $1235

Top Home Insurance Agents Near Sturbridge, MA

Home Insurance Company Near Sturbridge, MA Homeowners Insurance Agency Near Sturbridge, MA Address
Travelers Ferguson & Mcguire - Bf 116 BROADWAY, NORWICH, CT, 6360
NA Mirick Insurance Agency 28 Bridge Street , Shelburne Falls, MA, 1370
Liberty Mutual Independent Coonan Insurance Agencyinc. 267 Main St, OXFORD, MA, 1540
Liberty Mutual Independent R T Specialty Llc 20 Church St Ste 1500, HARTFORD, CT, 6103
Travelers The Slocum Agency Inc 1229 GREENWICH AVE, WARWICK, RI, 2886

Cost Of Homeowners Insurance By Street Near Sturbridge, MA

Streets in Sturbridge Area Homeowners Insurance Cost
Old Sturbridge Rd, Park Cir, Laflamme Ln, Meadow View Ln, Chamberlain Ave, Wedgewood Rd, Hamilton Rd, Bentwood Dr, Glendale Rd, Meadow Vw$1,045
Shumway Hill Rd, Cherry Brook Cir, Betsy Ross Cir, Bullough Rd, Ridge Hill Rd, No 10 Rd, Lauren Ln, Ln 7, Cooper Rd, Sturbridge Hills Rd$1,042
Harding Ln, Old Hamilton Rd Exd, McGregory Rd, Juniper Ave, Streeter Rd, Pleasant Pkwy, Laurel Hill Rd, Draper Woods, Big Alum, Bates Hill Rd$1,039
Village Green, Jamieson Rd, Poplar Ave, Rte 15, Badger Rd, Hunter Ln, Ponton St, Leadmine Rd, Willow Ave, Summit Ave$1,048
Carey Rd, Lakewood Trl, Old Sturbridge Village Rd, Plimpton Ave, Putnam Rd, Collette Rd, Clark Rd Exd, Farquhar Rd, Leadmine Ln, Old Mashpaug Rd$1,045

Sturbridge, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sturbridge$155 to $158
Fiskdale$154
Southbridge Town$151
Holland$152

Sturbridge, 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
Fiskdale CDP, Massachusetts $128 $171 $256
Southbridge Town city, Massachusetts $127 $169 $253
Brookfield town, Worcester County, Massachusetts $126 $168 $252

Sturbridge, 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
Sturbridge, MA4.0%13.5%
Fiskdale4.06%11.38%
Southbridge Town4.8%14.72%
Brookfield5.26%18.36%

Sturbridge Renters Insurance as a Percentage of Rent

Sturbridge Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 42 6.0% $357
$200 to $299 44 6.0% $807
$300 to $499 77 11.0% $1257
$500 to $749 139 21.0% $1932
$750 to $999 59 9.0% $2682
$1,000 to $1,499 167 25.0% $3807
$1,500 or more 117 18.0% $5457

Sturbridge, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$3,600
Yearly Sturbridge Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,600$14,100
Net Savings to Sturbridge Home Owner from High Deductible Plan $500

Sturbridge, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sturbridge, MA Home Replacement Value MORE than Home Value Sturbridge, MA Home Replacement Value LESS than Home Value
Replacement Value $380,500 $216,500
Insurance Premium based on Replacement Value $3,550 $2,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $93,000 Risk Exposure from Under Insuring Coverage is $71,000
Premium Impact Insurance cheaper by $675/year Insurance costlier by $850/year

Example Sturbridge Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateChubb Group of Insurance
Monthly Premium 163245559
Year Built 194119841998
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$600000-$700000$800000-$900000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 295,000 Shingles Roof 2,000 3 $1000-$2500 Deductible 1080 7 Brick siding No
1986 840,000 Slate Shingles Roof 4,920 5 $1000-$2500 Deductible 580 1 Stucco siding yes
2013 615,000 Composition Roof 3,810 5 $5000 to $10,000 Deductible 1080 5 Stone Siding yes
2010 220,000 Membrane Roof 1,670 3 $500 Deductible 1760 10 Wood siding yes
1991 195,000 Tile Roof 1,540 3 $5000 to $10,000 Deductible 70 1 Vinyl siding yes
1943 545,000 Shingles Roof 3,850 5 $1000-$2500 Deductible 1250 6 Fiber-Cement Siding yes
2013 415,000 Asphalt Shingles Roof 2,310 3 > $10,000 Deductible 1200 7 Brick siding yes
1999 320,000 Composition Roof 1,790 4 $500 Deductible 1110 4 Stone Siding yes
1996 560,000 Tile Roof 4,310 5 $500- $1000 Deductible 1070 3 Fiber-Cement Siding yes
1976 755,000 Membrane Roof 4,480 5 $500 Deductible 4330 9 Wood siding yes
1946 200,000 Shingles Roof 1,640 3 $2500-$5000 Deductible 1040 9 Fiber-Cement Siding yes
1973 230,000 Metal Roof 1,510 5 $2500-$5000 Deductible 430 5 Brick siding No
2013 340,000 Wood Shake Roof 1,920 4 > $10,000 Deductible 1150 12 Fiber-Cement Siding No
1973 410,000 Composition Roof 2,940 5 $500 Deductible 1480 6 Vinyl siding No
1998 205,000 Membrane Roof 1,260 3 $5000 to $10,000 Deductible 680 7 Stucco siding yes
1986 350,000 Slate Shingles Roof 2,020 3 $500 Deductible 2060 10 Stone Siding yes
1970 525,000 Shingles Roof 3,350 5 $2500-$5000 Deductible 790 2 Vinyl siding No
1985 270,000 Asphalt Shingles Roof 1,860 4 > $10,000 Deductible 300 3 Vinyl siding No
1987 375,000 Tile Roof 2,210 3 $500- $1000 Deductible 2080 7 Stone Siding No
1974 300,000 Asphalt Shingles Roof 2,080 4 $500 Deductible 1270 7 Stone Siding yes
1971 685,000 Asphalt Shingles Roof 4,380 5 $500- $1000 Deductible 1630 5 Stone Siding yes
1943 270,000 Metal Roof 2,180 5 $5000 to $10,000 Deductible 220 2 Stone Siding No
1974 395,000 Composition Roof 2,240 4 > $10,000 Deductible 1060 6 Vinyl siding No
1989 280,000 Tile Roof 1,860 4 $500- $1000 Deductible 1850 12 Stucco siding No
2012 350,000 Shingles Roof 1,950 3 $2500-$5000 Deductible 1270 5 Brick siding No
1994 350,000 Membrane Roof 1,940 4 $500- $1000 Deductible 370 2 Wood siding yes
1989 405,000 Membrane Roof 2,390 5 $500- $1000 Deductible 260 1 Fiber-Cement Siding No
1979 410,000 Slate Shingles Roof 2,320 3 $500 Deductible 1030 4 Vinyl siding yes