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.
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Westerly, RI | 4.8% | 15.6% |
| Weekapaug | 6.59% | 14.55% |
| Misquamicut | 3.8% | 13.46% |
| Watch Hill | 3.18% | 11.84% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Westerly | $166 to $169 |
| Weekapaug | $178 |
| Misquamicut | $188 |
| Watch Hill | $213 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Amica Mutual Insurance Company | Allstate | Liberty Mutual |
| Monthly Premium | 139 | 193 | 477 |
| Year Built | 1991 | 1973 | 2006 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $350000-$400000 | $500000-$600000 |
| Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible | $500- $1000 Deductible |