Wilmington Insurance Rates:

Wilmington, MA homeowners insurance is approximately $905 to $1,228, about $75-$102/month. Our extensive research shows customers can save as much as $426 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I love allstate because i have been using them for a long time also for my vehicle insurance. they are friendly and always explain everything in detail.
Massachusetts Insurance Property Underwriting Association
The billing cycle is a down payment of 25% and equal payments every 50 days, instead of equal payments every month, so i would prefer to pay every month a smaller amount.
Electric Insurance
I like the customer service with this company they are always easy to get ahold of and so far easy to work with over the phone to change the policy when needed.
Geico
Geico is one of the cheapest providers in Maryland. I greatly appreciate this; however, I know there have to be more competitive rates in the market. I have trouble finding the best rates.
State Farm
We haven't really checked with any other companies, this is who we have always used for home insurance
Farmer's Insurance
I think All state is pretty competitive. I have shopped around and to this day have not found any company offering a lower premium for the same coverage.
Allstate
I think they charge about the same as others
Allstate
I like that the site is very easy to log into and make changes to the policy if necessary. I have set up my payment to be deducted monthly by using the website which is great since I cannot pay it all at once.

Wilmington, MA Homeowners Insurance By Home Value

Wilmington, MA Home Value Total Homes % of Total Average Wilmington, MA Homeowners Insurance
Less than $50,000 70 1.0% $63
$200,000 to $249,999 275 7.0% $628
$250,000 to $299,999 711 18.0% $767
$300,000 to $399,999 2,718 70.0% $980

Top Home Insurance Agents Near Wilmington, MA

Home Insurance Company Near Wilmington, MA Homeowners Insurance Agency Near Wilmington, MA Address
NA Provider Insurance Group Llc 800 Clinton St, Woonsocket, RI, 2895
NA Milner Insurance Agency Inc. 121 Mystic Ave Ste 2, Medford, MA, 2155
NA Aaa Insurance Agency Inc 72 Main St , North Reading, MA, 1864
Liberty Mutual Chris Moran 173 Bedford St., Lexington, MA, 2420
Allstate Peter Bacchiocchi 59 Green St, Worcester, MA, 1604

Cost Of Homeowners Insurance By Street Near Wilmington, MA

Streets in Wilmington Area Homeowners Insurance Cost
Aldrich Rd, King St Exd, Floradale Ave, Lime St, Fay St, Nature Way, Swan Ct, Seaford St, Stone St, Whitefield Ter$1,072
Mc Donald Rd, Swain Rd, Fairmeadow Rd, Lockwood Rd, Mackey Rd, Marcia Rd, Faneuil Dr, Butterworth St, Castle Dr, Adelaide St$1,060
Mink Run Rd, Boutwell St, Atlantic Ave, Lawn St, Brentwood Ave, Patterson St, Scigliano St, Randolph Rd, Cobalt St, Sarafina Way$1,063
Bridge Ln, Eleanor Dr, Hardin St, Towpath Dr, Research Dr, Canyon St, Woodside Ave, Pilcher Dr, Radcliff Rd, Cochrane Rd$1,067
Avery St, Phillips Ave, Tracy Cir, Vermont Rd, Sachem Cir, Upton Dr, Olney Ave, Wing Rd, Bruning Rd, Sparhawk Dr$1,074

Wilmington, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wilmington$159 to $162
Reading$163
North Reading$161
Pinehurst$158

Wilmington, 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
Reading CDP, Massachusetts $163 $217 $326
North Reading town, Middlesex County, Massachusetts $161 $215 $323
Pinehurst CDP, Massachusetts $158 $211 $317

Wilmington, 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
Wilmington, MA4.0%13.1%
Reading3.42%9.79%
North Reading3.33%11.16%
Pinehurst4.06%13.62%

Wilmington Renters Insurance as a Percentage of Rent

Wilmington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 15 2.0% $793
$300 to $499 17 2.0% $1243
$500 to $749 64 9.0% $1918
$750 to $999 46 6.0% $2668
$1,000 to $1,499 103 14.0% $3793
$1,500 or more 462 65.0% $5443

Wilmington, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Wilmington Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $16,200$15,000
Net Savings to Wilmington Home Owner from High Deductible Plan $1,200

Wilmington, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wilmington, MA Home Replacement Value MORE than Home Value Wilmington, MA Home Replacement Value LESS than Home Value
Replacement Value $490,000 $313,500
Insurance Premium based on Replacement Value $3,725 $2,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $78,500 Risk Exposure from Under Insuring Coverage is $98,000
Premium Impact Insurance cheaper by $750/year Insurance costlier by $600/year

Example Wilmington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAllstate
Monthly Premium 153337199
Year Built 200120101973
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $350000-$400000$400000-$500000$300000-$350000
Deductible > $10,000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 780,000 Tile Roof 4,320 5 > $10,000 Deductible 2480 9 Vinyl siding No
2000 465,000 Asphalt Shingles Roof 2,180 4 $500- $1000 Deductible 410 1 Stone Siding yes
2013 990,000 Tile Roof 4,760 5 $500 Deductible 3950 6 Stone Siding yes
2005 515,000 Shingles Roof 2,370 3 $500 Deductible 5160 12 Vinyl siding yes
2007 495,000 Slate Shingles Roof 2,330 4 $5000 to $10,000 Deductible 170 1 Stucco siding yes
1979 290,000 Asphalt Shingles Roof 1,290 3 $500 Deductible 210 1 Brick siding yes
2010 560,000 Asphalt Shingles Roof 3,260 4 $1000-$2500 Deductible 1280 4 Brick siding No
2014 660,000 Asphalt Shingles Roof 3,800 5 $5000 to $10,000 Deductible 2910 10 Vinyl siding yes
1963 635,000 Composition Roof 4,240 5 $500- $1000 Deductible 3470 10 Brick siding yes
2014 545,000 Shingles Roof 3,190 4 $500 Deductible 4840 12 Stone Siding No
1970 225,000 Wood Shake Roof 1,260 3 $5000 to $10,000 Deductible 400 5 Stone Siding yes
1961 585,000 Metal Roof 2,640 4 $1000-$2500 Deductible 1750 6 Vinyl siding No
2011 545,000 Shingles Roof 2,840 5 $500- $1000 Deductible 2820 9 Fiber-Cement Siding yes
2002 465,000 Metal Roof 2,130 4 $1000-$2500 Deductible 2510 10 Brick siding yes
1977 330,000 Asphalt Shingles Roof 1,970 3 $5000 to $10,000 Deductible 1420 10 Stucco siding yes
1974 685,000 Wood Shake Roof 3,110 5 $500- $1000 Deductible 1530 3 Fiber-Cement Siding No
1970 320,000 Tile Roof 1,500 3 $2500-$5000 Deductible 410 2 Wood siding yes
1962 470,000 Shingles Roof 2,220 3 $500 Deductible 2120 10 Fiber-Cement Siding yes
1946 380,000 Wood Shake Roof 1,880 3 $500- $1000 Deductible 1030 4 Brick siding No
1967 485,000 Slate Shingles Roof 2,420 5 $5000 to $10,000 Deductible 720 3 Vinyl siding yes
1973 560,000 Composition Roof 3,170 4 $1000-$2500 Deductible 1460 4 Vinyl siding No
2009 895,000 Composition Roof 4,610 5 $500 Deductible 6660 10 Stucco siding No
2013 395,000 Slate Shingles Roof 1,900 4 $2500-$5000 Deductible 1390 10 Stucco siding No
1941 780,000 Metal Roof 4,260 5 $5000 to $10,000 Deductible 3960 12 Stone Siding No
1946 325,000 Tile Roof 2,000 3 $500 Deductible 2690 12 Brick siding yes
2014 535,000 Slate Shingles Roof 3,580 5 $500 Deductible 370 1 Stucco siding No
1965 390,000 Membrane Roof 2,170 4 $2500-$5000 Deductible 2040 12 Fiber-Cement Siding yes
1965 275,000 Slate Shingles Roof 1,460 3 $500 Deductible 1310 10 Brick siding yes
2004 395,000 Tile Roof 2,180 4 $5000 to $10,000 Deductible 1070 6 Brick siding yes
2001 255,000 Shingles Roof 1,560 3 $500- $1000 Deductible 460 4 Wood siding No
2014 520,000 Slate Shingles Roof 2,320 3 $2500-$5000 Deductible 1770 7 Wood siding yes