Winchester Insurance Rates:

Winchester, MA homeowners insurance is about $984 to $1,347, about $82-$112/month. Our complete analysis shows customers can save as much as $466 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I think they are good people who want to help me get the best service, with the lowest price. they have showed this many times helping me understand deductibles while not selling me high priced options.
State Farm
They have called me many times trying to sell me other kind of insurance like life insurance and car insurance
Farmer's Insurance
Farmers insurance has a twenty four hour phone line for reporting claims. you don't have to wait for regular business hours to report a claim. this is important if you have had storm damage.
State Farm
Every time we've ever had to use the telephone to contact our agent we have never had to wait to speak to a representative. The representatives are always personable and have always gotten speedy results for us no matter the reason for the contact.
State Farm
I have never really had to use the website or the app for my homeowner's insurance. They take care of everything for me. I probably should connect to it though.
Safeco Insurance
They are responsive but you have to actually call and get a live person before you get a decent reply to any question. And sometimes the person you get has to refer you to someone else.

Winchester, MA Homeowners Insurance By Home Value

Winchester, MA Home Value Total Homes % of Total Average Winchester, MA Homeowners Insurance
$70,000 to $79,999 17 1.0% $116
$125,000 to $149,999 47 5.0% $221
$150,000 to $174,999 69 7.0% $268
$175,000 to $199,999 12 1.0% $314
$200,000 to $249,999 25 2.0% $373
$250,000 to $299,999 202 23.0% $454
$300,000 to $399,999 490 56.0% $583

Top Home Insurance Agents Near Winchester, MA

Home Insurance Company Near Winchester, MA Homeowners Insurance Agency Near Winchester, MA Address
NA Fred C Church 91 Main Street , Andover, MA, 1810
NA Gorman Insurance Agency, Inc 1212 Commonwealth Ave Allston, Boston, MA, 2134
Travelers Kiley & Otoole Ins Agcy Inc 594 E BROADWAY, SOUTH BOSTON, MA, 2127
Liberty Mutual Independent Linnane Insurance Agency 280 MAIN ST STE 101, NORTH READING, MA, 1864
Travelers Marshall & Diggins Insurance Agency Inc 2 EASTERN AVE, WORCESTER, MA, 1615

Cost Of Homeowners Insurance By Street Near Winchester, MA

Streets in Winchester Area Homeowners Insurance Cost
Overlook Way, Bigelow Ave, Highland View Ave, Grant Rd, Wickham Rd, Chardon Rd, Laurel Rd, New Meadows Rd, Country Ln, Columbus Rd$1,198
Southfield Rd, Ridge St, Loring Ct, Horn Pond Brook Rd, Myrtle Ter, Rangeley Ridge, Symmes Rd, Squanto Rd, Winchester Ter, Fenwick Rd$1,180
Robinson Park, Glengarry Rd, Worthen Rd, Sheridan Cir, Rock Ave, Kirk St, Madison Ave W, Wedge Pond Rd, W Chardon Rd, Cleveland Rd$1,084
Stonefield Ests, Saint Thomasmore Dr, Curtis Cir, Kenwin Rd, Ridgeway St, Skillings Rd, Pilgrim Dr, Governors Ave, Willowdale Rd, Appalachian Rd$1,215
Westley St, Prince Ave, Wendell St, Bushcliff Ter, Laraway Rd, Brantwood Rd, Myopia Rd, Quigley Ct, Cutting St, Sylvester Ave$1,186

Winchester, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Winchester$173 to $176
Woburn$159
Arlington$165
Medford$160

Winchester, 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
Woburn city, Massachusetts $159 $212 $318
Arlington CDP, Massachusetts $165 $220 $330
Medford city, Massachusetts $160 $213 $320

Winchester, 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
Winchester, MA2.9%9.7%
Woburn3.99%12.18%
Arlington3.6%10.64%
Medford3.79%11.82%

Winchester Renters Insurance as a Percentage of Rent

Winchester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 48 4.0% $744
$300 to $499 31 2.0% $1194
$500 to $749 98 8.0% $1869
$750 to $999 158 13.0% $2619
$1,000 to $1,499 339 28.0% $3744
$1,500 or more 502 42.0% $5394

Winchester, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$7,600
Yearly Winchester Homeowner Insurance Premium Example $6,400$5,200
Out of Pocket Expense During Claim$1,600$7,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $40,000$38,800
Net Savings to Winchester Home Owner from High Deductible Plan $1,200

Winchester, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Winchester, MA Home Replacement Value MORE than Home Value Winchester, MA Home Replacement Value LESS than Home Value
Replacement Value $935,500 $728,500
Insurance Premium based on Replacement Value $6,925 $5,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $99,500 Risk Exposure from Under Insuring Coverage is $107,500
Premium Impact Insurance cheaper by $800/year Insurance costlier by $725/year

Example Winchester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmLiberty Mutual
Monthly Premium 543216289
Year Built 196719761949
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $700000-$800000$600000-$700000$500000-$600000
Deductible $500 Deductible> $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 680,000 Slate Shingles Roof 2,240 3 $500 Deductible 2010 4 Wood siding No
1970 410,000 Tile Roof 1,400 3 > $10,000 Deductible 460 3 Fiber-Cement Siding No
1963 605,000 Tile Roof 1,760 5 $5000 to $10,000 Deductible 1070 4 Wood siding No
1968 970,000 Tile Roof 3,170 4 $500 Deductible 5800 8 Wood siding yes
1963 645,000 Slate Shingles Roof 2,140 3 $2500-$5000 Deductible 380 1 Stucco siding No
1946 715,000 Metal Roof 2,070 4 $2500-$5000 Deductible 400 1 Fiber-Cement Siding No
1963 950,000 Slate Shingles Roof 3,610 5 $2500-$5000 Deductible 6680 12 Brick siding No
1968 725,000 Tile Roof 2,370 4 $5000 to $10,000 Deductible 2070 5 Vinyl siding No
1961 570,000 Composition Roof 1,590 3 $500 Deductible 1530 3 Stone Siding No
1970 1,515,000 Tile Roof 3,960 5 $2500-$5000 Deductible 2880 7 Wood siding No
1944 775,000 Slate Shingles Roof 2,280 4 $1000-$2500 Deductible 1730 4 Stucco siding yes
1975 1,085,000 Asphalt Shingles Roof 3,440 5 $2500-$5000 Deductible 1030 2 Brick siding No
1969 540,000 Shingles Roof 1,680 4 $5000 to $10,000 Deductible 1600 5 Stucco siding No
1970 410,000 Tile Roof 1,240 3 $1000-$2500 Deductible 1530 7 Wood siding No
1946 820,000 Composition Roof 2,300 3 > $10,000 Deductible 2190 9 Wood siding yes
1960 1,130,000 Metal Roof 2,960 5 $500- $1000 Deductible 5700 8 Fiber-Cement Siding yes
1949 825,000 Slate Shingles Roof 2,330 4 $500 Deductible 3860 6 Stone Siding No
1974 590,000 Shingles Roof 2,130 5 > $10,000 Deductible 1510 7 Brick siding No
1976 460,000 Tile Roof 1,330 3 $500 Deductible 2860 9 Stone Siding yes
1940 1,345,000 Membrane Roof 3,940 5 $5000 to $10,000 Deductible 3420 8 Brick siding yes
1943 780,000 Asphalt Shingles Roof 2,600 5 $500- $1000 Deductible 3570 8 Stucco siding No
1972 400,000 Metal Roof 1,280 3 $500- $1000 Deductible 1710 6 Stone Siding No