Topsfield Insurance Rates:

Topsfield, MA homeowners insurance is about $934 to $1,288, about $77-$107/month. Our all inclusive analysis indicates shoppers can save as much as $444 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Topsfield, MA Homeowners Insurance By Home Value

Topsfield, MA Home Value Total Homes % of Total Average Topsfield, MA Homeowners Insurance
$200,000 to $249,999 18 7.0% $477
$250,000 to $299,999 17 6.0% $577
$300,000 to $399,999 215 86.0% $744

Top Home Insurance Agents Near Topsfield, MA

Home Insurance Company Near Topsfield, MA Homeowners Insurance Agency Near Topsfield, MA Address
NA Xingchun Hu 144 Merrimack Street, Lowell, MA, 1852
State Farm Dave Newman 220 N Broadway Ste 2, Salem, NH, 03079-2174
Liberty Mutual Independent Hic Insurance 725 LAFAYETTE RD, HAMPTON, NH, 3842
Travelers Mohawk Insurance 1 ADAMS ST STE 1, MILTON, MA, 2186
Travelers Morrill Insurance Agency Llc 17 CENTRAL STREET, NORWOOD, MA, 2062

Cost Of Homeowners Insurance By Street Near Topsfield, MA

Streets in Topsfield Area Homeowners Insurance Cost
Linebrook Rd, Deer Run, Johns Ln, Normandy Row, Coppermine Rd, High Ridge Rd, Coach Ln, Ipswich Ln, Audubon Dr, Gail St$1,112
Brady Dr, Bare Hill Rd, Howlett St, Nike Village, Alderbrook Dr, Silverbrook Rd, Lockwood Ln, Sleepy Hollow Rd, Wilmor Rd, Perkins Ln$1,107
Averill St, Rowley Bridge Rd, Caitlin Ln, Woodside Rd, Ridgeview Rd, Pemberton Rd, Ross Rd, Oak Dr, Andrews Rd, Arrowhead Rd$1,105
Evergreen Ln, Wenham Rd, Winsor Ln, New Meadow Ln, Wildes Rd, Pumphouse Ln, Dover Hill Rd, Coventry Ln, Perkins Row, McLeod Ln$1,099
Brook Rd, Kinsman Ln, Towne Hill Ln, Wildes St, Boardman Ln, Porter Meadow Ln, Campmeeting Rd, Williams Rd, Great Hill Dr, Colrain Rd$1,106

Topsfield, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Topsfield$164 to $168
Middleton$162
Essex County$158
Wenham$169

Topsfield, 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
Middleton town, Essex County, Massachusetts $135 $180 $270
Essex County, Massachusetts $132 $176 $264
Wenham town, Essex County, Massachusetts $142 $189 $283

Topsfield, 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
Topsfield, MA3.3%9.3%
Middleton3.32%10.79%
Essex County3.89%11.93%
Wenham3.21%9.42%

Topsfield Renters Insurance as a Percentage of Rent

Topsfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 18 11.0% $771
$300 to $499 49 31.0% $1221
$750 to $999 32 20.0% $2646
$1,000 to $1,499 16 10.0% $3771
$1,500 or more 42 26.0% $5421

Topsfield, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$4,900
Yearly Topsfield Homeowner Insurance Premium Example $2,100$1,600
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,700$17,700
Net Savings to Topsfield Home Owner from High Deductible Plan $1,000

Topsfield, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Topsfield, MA Home Replacement Value MORE than Home Value Topsfield, MA Home Replacement Value LESS than Home Value
Replacement Value $593,000 $416,000
Insurance Premium based on Replacement Value $4,575 $3,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $104,000 Risk Exposure from Under Insuring Coverage is $73,000
Premium Impact Insurance cheaper by $575/year Insurance costlier by $800/year

Example Topsfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmLiberty Mutual
Monthly Premium 271264258
Year Built 198619711947
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000$400000-$500000$700000-$800000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 450,000 Asphalt Shingles Roof 2,260 4 $500- $1000 Deductible 2180 7 Fiber-Cement Siding No
1988 620,000 Composition Roof 2,690 4 $2500-$5000 Deductible 1070 3 Stone Siding yes
1987 395,000 Composition Roof 1,440 3 > $10,000 Deductible 830 7 Brick siding No
1985 330,000 Asphalt Shingles Roof 1,600 5 $2500-$5000 Deductible 940 6 Fiber-Cement Siding yes
1981 465,000 Membrane Roof 2,140 4 $500 Deductible 440 2 Fiber-Cement Siding yes
1961 515,000 Slate Shingles Roof 1,950 5 $2500-$5000 Deductible 1550 7 Stone Siding No
1975 390,000 Asphalt Shingles Roof 1,730 5 $2500-$5000 Deductible 1860 9 Stone Siding yes
1946 615,000 Metal Roof 2,170 3 $5000 to $10,000 Deductible 1790 9 Fiber-Cement Siding yes
1978 615,000 Membrane Roof 2,630 4 $500 Deductible 2890 6 Wood siding yes
1968 525,000 Shingles Roof 1,960 5 $2500-$5000 Deductible 1320 5 Stone Siding yes
1944 1,190,000 Composition Roof 4,360 5 > $10,000 Deductible 320 1 Vinyl siding No
1963 295,000 Membrane Roof 1,280 3 $1000-$2500 Deductible 840 5 Fiber-Cement Siding yes
1963 400,000 Tile Roof 1,420 3 $500- $1000 Deductible 2410 12 Stucco siding yes
1946 330,000 Membrane Roof 1,630 3 > $10,000 Deductible 90 1 Brick siding yes
1968 440,000 Wood Shake Roof 1,650 3 $2500-$5000 Deductible 880 4 Fiber-Cement Siding No
1989 405,000 Composition Roof 1,460 3 $500- $1000 Deductible 520 2 Wood siding yes
1949 355,000 Composition Roof 1,680 3 $500- $1000 Deductible 2080 10 Wood siding yes
1982 530,000 Shingles Roof 2,020 3 $500 Deductible 4940 12 Vinyl siding No
1983 580,000 Shingles Roof 2,080 4 $5000 to $10,000 Deductible 2320 12 Stone Siding No
1979 415,000 Composition Roof 1,860 3 $500- $1000 Deductible 1800 8 Stucco siding No
1968 355,000 Slate Shingles Roof 1,780 5 $2500-$5000 Deductible 530 3 Stone Siding No
1965 415,000 Wood Shake Roof 2,080 5 $1000-$2500 Deductible 1580 7 Stucco siding No
1949 580,000 Membrane Roof 2,080 3 $5000 to $10,000 Deductible 2190 9 Wood siding No
1969 490,000 Slate Shingles Roof 1,700 3 > $10,000 Deductible 1070 7 Fiber-Cement Siding No
1989 565,000 Tile Roof 2,320 3 $5000 to $10,000 Deductible 730 4 Brick siding yes
1947 560,000 Membrane Roof 2,360 5 $500- $1000 Deductible 1320 4 Stone Siding No
1974 475,000 Metal Roof 2,080 3 $500 Deductible 860 3 Wood siding yes
1945 420,000 Composition Roof 1,700 4 $500 Deductible 320 1 Fiber-Cement Siding yes
1967 460,000 Membrane Roof 2,290 4 $2500-$5000 Deductible 1020 4 Brick siding No
1980 515,000 Membrane Roof 1,910 3 > $10,000 Deductible 1260 6 Fiber-Cement Siding yes
1980 895,000 Composition Roof 3,280 4 $500 Deductible 4870 10 Vinyl siding No
1944 1,325,000 Asphalt Shingles Roof 4,530 5 $1000-$2500 Deductible 930 2 Vinyl siding yes
1964 355,000 Shingles Roof 1,530 3 $5000 to $10,000 Deductible 1520 8 Stucco siding yes
1974 485,000 Tile Roof 2,250 3 $500 Deductible 2190 9 Brick siding yes