West Warwick Insurance Rates:

West Warwick, RI homeowners insurance is about $913 to $1,239, about $76-$103/month. Our complete analysis reveals consumers can save upto $430 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

American National Property And Casualty Company
American national property & casualty company has been our insurance provider for many years now. although it is a national company, our local agent makes us feel as if we are dealing with a smaller company. we always get very quick responses when we email him. whenever we call, we are always easily able to reach him, or on the rare occasion we have to leave a message, our call is promptly returned.
Allstate
The website is very well laid out and intuitive. it is quick and easy to pull up any policy documents you need.
Oceanpoint Insurance
My insurance company is a small company located within my state. perhaps this means they have less 24 hour availability than other companies.
Geico
We like the discount it offers when we bundle our car with home insurance. It was pretty painless to bundle it up. The representative treated us with respect when we inquire about home insurance.
Metlife
The amount of insured value goes up and the only way you can keep it the same is to have your house reappraised by them. So currently my home is insured for more than its value.
Liberty Mutual
I like how there is always someone ready and willing to take the call and has a friendly attitude and always helps solve my issues.
Allstate
The guy at my local office is pretty nice. He seems likable and reasonably honest.

West Warwick, RI Homeowners Insurance By Home Value

West Warwick, RI Home Value Total Homes % of Total Average West Warwick, RI Homeowners Insurance
Less than $50,000 190 2.0% $118
$80,000 to $89,999 109 1.0% $430
$100,000 to $124,999 239 3.0% $548
$125,000 to $149,999 360 5.0% $688
$150,000 to $174,999 930 13.0% $817
$175,000 to $199,999 1,048 15.0% $946
$200,000 to $249,999 1,969 29.0% $1140
$250,000 to $299,999 1,207 17.0% $1398
$300,000 to $399,999 597 8.0% $1775

Top Home Insurance Agents Near West Warwick, RI

Home Insurance Company Near West Warwick, RI Homeowners Insurance Agency Near West Warwick, RI Address
NA John F Stafford Insurance Agency 1000 North Main St Fall River, Fall River, MA, 2720
NA San Bento Agency 494 Smithfield Ave, Pawtucket, RI, 2860
Travelers Kaplansky Insurance Agency 253 WASHINGTON ST, WEYMOUTH, MA, 2719
Travelers Marshall Insurance Agency Inc 2 S Bolton St, Marlborough, MA, 1752
Travelers Robert M Zagami Insurance Agency 555 BRIDGE ST, WEYMOUTH, MA, 2191

Cost Of Homeowners Insurance By Street Near West Warwick, RI

Streets in West Warwick Area Homeowners Insurance Cost
Lemoine Ct, Hoover St, Brookside Ave, Valley St, Joaquin Ct, Ontario St, Freemont St, Jaycee Dr, Harris Ave, Centre St$1,075
Packard St, Concetta St, Intervale Rd, Greenbush Rd, New London Ave, Linwood St, Tower Rd, Webster Knight Dr, Kings Forest Ln, Legend Way$1,083
Lawrence St, Medieval Way, Cochran St, Silverwood Ln, Crestwood Dr, Juniper Dr, Central St, Grove St, Pauline St, Gilcrest Dr$1,080
Waverly St, N Pleasant St, Moskalyk St, Cottage St, Harmony St, Narragansett Ave, Linden Dr, Mason St, Pawtuxet Ter, Quill Dr$1,075
Ridge St, Kenyon St, East St, Pinewood Dr, 3rd St, Bridge St, Cone Dr, Arcadia Ct, Kinne St, Tuckerman St$1,067

West Warwick, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Warwick$160 to $163
Kent County$162
East Greenwich$176
Cranston$163

West Warwick, RI Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Kent County, Rhode Island $136 $181 $271
East Greenwich town, Kent County, Rhode Island $147 $196 $294
Warwick city, Rhode Island $135 $180 $270

West Warwick, RI 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
West Warwick, RI4.9%13.2%
Kent County4.79%13.8%
East Greenwich3.34%9.81%
Warwick5.03%14.38%

West Warwick Renters Insurance as a Percentage of Rent

West Warwick Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 69 1.0% $349
$200 to $299 453 8.0% $799
$300 to $499 253 4.0% $1249
$500 to $749 889 15.0% $1924
$750 to $999 1,688 30.0% $2674
$1,000 to $1,499 1,679 29.0% $3799
$1,500 or more 566 10.0% $5449

West Warwick, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$4,600
Yearly West Warwick Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,600$4,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,500$13,000
Net Savings to West Warwick Home Owner from High Deductible Plan $500

West Warwick, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Warwick, RI Home Replacement Value MORE than Home Value West Warwick, RI Home Replacement Value LESS than Home Value
Replacement Value $251,000 $161,500
Insurance Premium based on Replacement Value $2,225 $1,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,500 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $575/year

Example West Warwick Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceState Farm
Monthly Premium 969091
Year Built 196619971981
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $125000-$150000$125000-$150000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for West Warwick, RI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1944 395,000 Asphalt Shingles Roof 3,000 4 $500- $1000 Deductible 2400 10 Brick siding yes
1940 190,000 Asphalt Shingles Roof 1,660 3 $5000 to $10,000 Deductible 800 6 Wood siding No
1948 240,000 Membrane Roof 2,050 4 > $10,000 Deductible 1000 9 Wood siding yes
1994 200,000 Composition Roof 1,810 3 $1000-$2500 Deductible 1020 7 Brick siding yes
1942 130,000 Slate Shingles Roof 1,160 2 $1000-$2500 Deductible 410 4 Vinyl siding No
1942 195,000 Shingles Roof 1,800 4 $500 Deductible 780 4 Vinyl siding yes
1982 335,000 Shingles Roof 3,030 4 $500- $1000 Deductible 1200 5 Wood siding yes
1985 175,000 Membrane Roof 1,310 3 $1000-$2500 Deductible 1440 12 Stone Siding No
1968 215,000 Slate Shingles Roof 1,640 2 $5000 to $10,000 Deductible 950 8 Brick siding No
1964 185,000 Membrane Roof 1,470 3 $2500-$5000 Deductible 1200 12 Wood siding yes
1968 370,000 Slate Shingles Roof 3,280 4 $500- $1000 Deductible 900 4 Stone Siding yes
1997 320,000 Tile Roof 2,750 4 $500- $1000 Deductible 610 2 Stone Siding yes
1943 185,000 Wood Shake Roof 1,350 2 $2500-$5000 Deductible 570 4 Brick siding yes
1983 240,000 Membrane Roof 2,270 3 > $10,000 Deductible 660 8 Stucco siding No
1982 320,000 Tile Roof 3,020 4 $1000-$2500 Deductible 1500 7 Fiber-Cement Siding yes
1983 220,000 Metal Roof 1,970 4 $1000-$2500 Deductible 640 5 Stucco siding No
1943 200,000 Shingles Roof 1,450 3 $500 Deductible 1340 8 Stone Siding No
1996 295,000 Wood Shake Roof 2,320 3 > $10,000 Deductible 600 4 Brick siding No
1991 250,000 Slate Shingles Roof 2,290 3 $500 Deductible 1470 6 Stucco siding yes
1967 470,000 Tile Roof 3,320 4 $500- $1000 Deductible 3120 10 Stone Siding yes
1962 190,000 Wood Shake Roof 1,730 2 $2500-$5000 Deductible 530 5 Brick siding No
1960 325,000 Shingles Roof 2,420 4 $1000-$2500 Deductible 1580 8 Brick siding yes
1996 305,000 Shingles Roof 2,950 4 > $10,000 Deductible 910 6 Wood siding No
1985 195,000 Membrane Roof 1,770 4 $1000-$2500 Deductible 350 3 Vinyl siding No
1961 150,000 Membrane Roof 1,300 2 $2500-$5000 Deductible 470 4 Stone Siding No
1943 135,000 Asphalt Shingles Roof 1,270 2 $500 Deductible 820 7 Wood siding yes
1986 280,000 Composition Roof 2,790 4 $500 Deductible 1490 7 Fiber-Cement Siding No
1989 230,000 Wood Shake Roof 1,910 3 $5000 to $10,000 Deductible 1390 12 Vinyl siding yes
1940 215,000 Composition Roof 2,130 3 $2500-$5000 Deductible 510 4 Fiber-Cement Siding yes
1942 205,000 Shingles Roof 2,130 4 $2500-$5000 Deductible 1010 9 Fiber-Cement Siding No
1997 215,000 Membrane Roof 1,870 4 $500 Deductible 1010 4 Stone Siding No
1988 200,000 Membrane Roof 1,420 3 $5000 to $10,000 Deductible 270 3 Fiber-Cement Siding No
1990 405,000 Slate Shingles Roof 3,120 4 $2500-$5000 Deductible 2360 8 Stucco siding yes
1985 195,000 Asphalt Shingles Roof 1,620 2 $1000-$2500 Deductible 370 2 Fiber-Cement Siding No