Westerly Insurance Rates:

Westerly, RI homeowners insurance is nearly $942 to $1,282, about $78-$106/month. Our thorough analysis shows customers can save as much as $445 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aaa
I usually have a hard time navigating through the website. i have a few different types of insurance through aaa so making sure i'm on the right part of the website is an issue.
Geico
The agents that help with claims are fast and friendly. they sent an agent out to my home within 24 hours.
Aaa
You get what you pay for. had i gone with a different insurance company, i don't think my flood would have been covered as much as it was.
Progressive
We called everywhere and that is one of the best deals out there.
Aaa
I'd say they are expensive overall. In addition to that, I find the staff to be a bit of a headache whenever I have to deal with them. I'd also say I don't like the email spam and the waste of paper they send me in the mail. If they didn't do these things they would probably be the number one company in the business.

Westerly, RI Homeowners Insurance By Home Value

Westerly, RI Home Value Total Homes % of Total Average Westerly, RI Homeowners Insurance
Less than $50,000 118 2.0% $89
$100,000 to $124,999 59 1.0% $411
$150,000 to $174,999 270 5.0% $612
$175,000 to $199,999 250 5.0% $701
$200,000 to $249,999 1,152 24.0% $845
$250,000 to $299,999 1,471 30.0% $1035
$300,000 to $399,999 1,413 29.0% $1313

Top Home Insurance Agents Near Westerly, RI

Home Insurance Company Near Westerly, RI Homeowners Insurance Agency Near Westerly, RI Address
NA Lapointe Insurance 1777 Pleasant Street Fall River, Fall River, MA, 2723
NA Brook Insurance Associates, Llc 1935 Elmood Ave, Warwick, RI, 2888
NA The Auto Insurance Store, Inc. Dba The Insurance Store Of Ct 303 East Center St , Manchester, CT, 6040
NA Insurance Services 680 Aquidneck Ave , Middletown, RI, 2842
NA Fraleigh & Gray Inc. 2450 Main Street , Glastonbury, CT, 6033

Cost Of Homeowners Insurance By Street Near Westerly, RI

Streets in Westerly Area Homeowners Insurance Cost
Setting Sun Dr, Railroad Ave, Bluff Ave, Wampanoag Ave, Clark St, Wauwinnet Ave, Surrey Dr, Avondale Rd, Sunrise Dr, Moonlight Dr$1,269
Saundra Dr, Ledward Ave Exd, Fishermans Ave, Clarke Ln Exn, Everett Ave, Seabury Ln, Grove Ave, Cove Rd, Noonatch Rd, White St$1,253
Pinewoods Ct, Pequot Ave, Newbury Dr, Fletcher Dr, Chin Hill Rd, Hillside Ter, Richmond Dr, Woodlund Ave, Center St, Dunns Corner Rd$1,143
Haswell St, Benefit St, Simms St, Rock Ridge Rd, Autumn Ln, Broad St, Blue Sky Dr, Manfredi Dr, Chester Ave, Old Hopkinton Rd$1,092
Fern Dr, Woodlund Ave, Urso Dr, Misty Way, King St, Misquamicut Hills Rd, Miner St, State St, Plateau Rd, Crestview Dr$1,104

Westerly, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Westerly$166 to $169
Weekapaug$178
Misquamicut$188
Watch Hill$213

Westerly, 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
Weekapaug CDP, Rhode Island $148 $197 $296
Misquamicut CDP, Rhode Island $157 $209 $313
Watch Hill CDP, Rhode Island $178 $237 $355

Westerly, 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
Westerly, RI4.8%15.6%
Weekapaug6.59%14.55%
Misquamicut3.8%13.46%
Watch Hill3.18%11.84%

Westerly Renters Insurance as a Percentage of Rent

Westerly Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 94 3.0% $785
$300 to $499 276 8.0% $1235
$500 to $749 373 12.0% $1910
$750 to $999 927 29.0% $2660
$1,000 to $1,499 1,112 35.0% $3785
$1,500 or more 310 9.0% $5435

Westerly, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$5,300
Yearly Westerly Homeowner Insurance Premium Example $3,000$2,000
Out of Pocket Expense During Claim$1,300$5,300
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $16,300$15,300
Net Savings to Westerly Home Owner from High Deductible Plan $1,000

Westerly, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Westerly, RI Home Replacement Value MORE than Home Value Westerly, RI Home Replacement Value LESS than Home Value
Replacement Value $770,500 $530,000
Insurance Premium based on Replacement Value $9,175 $6,300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $158,000 Risk Exposure from Under Insuring Coverage is $82,500
Premium Impact Insurance cheaper by $1,000/year Insurance costlier by $1,875/year

Example Westerly Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateLiberty Mutual
Monthly Premium 139193477
Year Built 199119732006
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$350000-$400000$500000-$600000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1947 450,000 Shingles Roof 3,210 5 $500 Deductible 3040 7 Stone Siding No
1983 260,000 Wood Shake Roof 1,790 3 $1000-$2500 Deductible 920 4 Stone Siding yes
1990 275,000 Asphalt Shingles Roof 1,580 3 > $10,000 Deductible 1240 12 Brick siding No
1980 195,000 Membrane Roof 1,370 3 $5000 to $10,000 Deductible 1310 9 Stucco siding yes
1971 375,000 Asphalt Shingles Roof 2,790 4 $2500-$5000 Deductible 620 3 Wood siding No
1973 295,000 Wood Shake Roof 2,030 3 $2500-$5000 Deductible 2250 10 Stucco siding No
1999 555,000 Wood Shake Roof 3,360 5 $5000 to $10,000 Deductible 420 2 Stone Siding No
1997 275,000 Slate Shingles Roof 1,790 3 $1000-$2500 Deductible 2520 12 Fiber-Cement Siding yes
1986 365,000 Metal Roof 2,220 5 $5000 to $10,000 Deductible 1070 4 Stone Siding No
2008 315,000 Slate Shingles Roof 2,430 4 $1000-$2500 Deductible 1120 5 Vinyl siding No
1995 700,000 Metal Roof 3,860 5 $5000 to $10,000 Deductible 1810 7 Brick siding No
1996 595,000 Wood Shake Roof 3,490 5 $500 Deductible 2640 5 Brick siding No
1949 365,000 Slate Shingles Roof 2,260 3 $1000-$2500 Deductible 2490 10 Fiber-Cement Siding No
1997 480,000 Membrane Roof 3,640 5 $500 Deductible 1080 2 Stone Siding yes
1968 315,000 Slate Shingles Roof 2,300 5 > $10,000 Deductible 830 5 Brick siding No
2009 535,000 Asphalt Shingles Roof 2,970 4 $500- $1000 Deductible 1040 3 Stone Siding yes
1976 255,000 Shingles Roof 1,790 3 $500 Deductible 1800 8 Stucco siding No