Townsend Insurance Rates:

Townsend, MA homeowners insurance is roughly $876 to $1,188, about $73-$99/month. Our exhaustive guide shows customers can save as much as $412 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Townsend, MA Homeowners Insurance By Home Value

Townsend, MA Home Value Total Homes % of Total Average Townsend, MA Homeowners Insurance
Less than $50,000 60 2.0% $92
$70,000 to $79,999 30 1.0% $278
$100,000 to $124,999 35 1.0% $412
$150,000 to $174,999 85 3.0% $608
$175,000 to $199,999 97 3.0% $701
$200,000 to $249,999 664 25.0% $846
$250,000 to $299,999 922 36.0% $1042
$300,000 to $399,999 639 24.0% $1320

Top Home Insurance Agents Near Townsend, MA

Home Insurance Company Near Townsend, MA Homeowners Insurance Agency Near Townsend, MA Address
NA Susan Flanagan Insurance Agency 45 E Main St Ste 9, Westborough, MA, 1581
NA Harrington Insurance Agency 489 Washington St Ste 205, Auburn, MA, 1501
NA Carberry & Conlin Insurance 554 Pleasant Street, Worcester, MA, 1602
State Farm Jamie Reynolds 25 Orchard View Dr Unit 2, Londonderry, NH, 03053-3366
Liberty Mutual Independent Macdonald & Pangione 104 MAIN STREET, NORTH ANDOVER, MA, 1845

Cost Of Homeowners Insurance By Street Near Townsend, MA

Streets in Townsend Area Homeowners Insurance Cost
Old Meeting House Rd, Taurus Ln, Townsend Hill Rd, Ryan Rd, Koski Way, Laurie Dr, State Rte 13, John Birch Memorial Dr, Cherry Dr, Capricorn Ln$1,031
Eastman St, Cedar Cir, Todd Dr, Laurelwoods Dr, W Meadow Rd, Pearl Brook Rd, W Elm St, Oak Cir, Vinton Pond Rd, Pepperell Rd$1,031
Pisces Ln, W Meadow Estates Dr, S Row Rd, Dix Rd, Ponderosa Dr, Virgo Ln, Elm St W, N End Rd, Kanehoe Ct, Ball Rd$1,030
Michael Way, Dogwood Dr, Old Meetinghouse Rd, E Haynes Rd, Saunders Rd, Kimplen Ct, Aries Ln, Ripple Rd, Emery Rd, Libra Ln$1,031
Granite Rd, Gemini Ln, Reagan Rd, Sagitarius Ln, Knollwood Ln, Sumac Dr, Scorpio Ln, Riverbank Ter, Barker Hill Rd, Bayberry Hill Rd$1,031

Townsend, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Townsend$154 to $157
Pepperell$157
Mason$107
Lunenburg$155

Townsend, 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
Pepperell town, Middlesex County, Massachusetts $131 $175 $262
Mason town, Hillsborough County, New Hampshire $90 $119 $179
Lunenburg town, Worcester County, Massachusetts $130 $173 $259

Townsend, 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
Townsend, MA4.5%13.6%
Pepperell3.92%14.27%
Mason2.91%7.89%
Lunenburg4.38%12.0%

Townsend Renters Insurance as a Percentage of Rent

Townsend Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 41 9.0% $810
$300 to $499 11 2.0% $1260
$500 to $749 87 19.0% $1935
$750 to $999 155 34.0% $2685
$1,000 to $1,499 90 20.0% $3810
$1,500 or more 64 14.0% $5460

Townsend, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Townsend Homeowner Insurance Premium Example $1,600$1,200
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,800$12,000
Net Savings to Townsend Home Owner from High Deductible Plan $800

Townsend, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Townsend, MA Home Replacement Value MORE than Home Value Townsend, MA Home Replacement Value LESS than Home Value
Replacement Value $344,500 $221,500
Insurance Premium based on Replacement Value $3,275 $2,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,500 Risk Exposure from Under Insuring Coverage is $77,500
Premium Impact Insurance cheaper by $750/year Insurance costlier by $425/year

Example Townsend Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateState Farm
Monthly Premium 152246366
Year Built 200219801999
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $250000-$300000$300000-$350000$700000-$800000
Deductible $1000-$2500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 260,000 Asphalt Shingles Roof 1,640 3 $1000-$2500 Deductible 1050 8 Stucco siding No
1987 610,000 Wood Shake Roof 3,920 5 > $10,000 Deductible 2560 12 Fiber-Cement Siding No
1943 350,000 Tile Roof 2,620 4 $500- $1000 Deductible 690 3 Wood siding yes
1990 280,000 Slate Shingles Roof 2,220 3 $2500-$5000 Deductible 140 1 Brick siding yes
2005 345,000 Tile Roof 2,840 4 $500- $1000 Deductible 200 1 Wood siding yes
1988 730,000 Wood Shake Roof 4,600 5 $1000-$2500 Deductible 4130 12 Vinyl siding yes
1998 420,000 Membrane Roof 2,470 4 $500- $1000 Deductible 1310 5 Stone Siding yes
1941 635,000 Slate Shingles Roof 4,290 5 $2500-$5000 Deductible 2810 9 Stucco siding yes
2005 300,000 Shingles Roof 1,790 5 > $10,000 Deductible 190 2 Brick siding No
2009 385,000 Slate Shingles Roof 2,610 4 $2500-$5000 Deductible 1580 8 Brick siding No
1983 370,000 Shingles Roof 2,560 4 $1000-$2500 Deductible 2640 10 Wood siding yes
1948 475,000 Asphalt Shingles Roof 2,990 4 $500 Deductible 1290 5 Stucco siding yes
1944 720,000 Tile Roof 4,930 5 $2500-$5000 Deductible 840 2 Vinyl siding No
2004 715,000 Wood Shake Roof 4,260 5 $5000 to $10,000 Deductible 1040 3 Stone Siding yes
1986 230,000 Membrane Roof 1,720 4 $5000 to $10,000 Deductible 240 2 Stone Siding yes
1947 300,000 Shingles Roof 2,490 4 $500 Deductible 3080 12 Brick siding yes
1990 495,000 Metal Roof 3,900 5 $500 Deductible 3000 8 Vinyl siding No
1946 425,000 Slate Shingles Roof 3,060 5 $2500-$5000 Deductible 960 4 Vinyl siding No
1988 410,000 Metal Roof 3,270 4 $5000 to $10,000 Deductible 790 4 Stone Siding yes
1993 370,000 Membrane Roof 2,670 4 $1000-$2500 Deductible 970 4 Fiber-Cement Siding No
1980 305,000 Slate Shingles Roof 2,570 4 $5000 to $10,000 Deductible 510 5 Stone Siding yes
1989 355,000 Tile Roof 2,530 4 $5000 to $10,000 Deductible 970 6 Fiber-Cement Siding No
1940 335,000 Membrane Roof 2,460 4 > $10,000 Deductible 90 1 Fiber-Cement Siding yes
2005 275,000 Slate Shingles Roof 2,160 3 $500 Deductible 300 2 Stucco siding yes
1990 300,000 Slate Shingles Roof 2,300 3 > $10,000 Deductible 540 5 Stone Siding yes
2006 415,000 Tile Roof 2,630 4 $5000 to $10,000 Deductible 300 2 Stucco siding No
2009 515,000 Composition Roof 3,310 4 $2500-$5000 Deductible 2280 7 Vinyl siding No
1984 590,000 Tile Roof 4,430 5 > $10,000 Deductible 1390 7 Brick siding No