Worcester Insurance Rates:

Worcester, MA homeowners insurance is about $864 to $1,171, about $72-$97/month. Our in depth guide reveals consumers can save upto $406 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
Their policy is great. I can cancel this insurance at anytime without any penalties. They also have great understanding.
Allstate
I would recommend my insurance company to others. The company provides great coverage. A person can get certain coverage that is not available at other companies.
Allstate
I would be happy to recommend Allstate. They have been my familiy's insurance company for many years and treat us like family. For people who want a reliable insurance company that is helpful and kind.
Geico
I called around after getting the initial quote from Geico and I can say I save almost 200 a month compared to what other insurances wanted to charge me for the same exact thing.
State Farm
we have never trouble with this insurance. and it's cheap easy pay online, refund a prorata
Safeco Insurance
I rate Safeco #1, as so far, their offerings have been cost effective, flexible and comparable to other insurance companies. I like that they have online access to my account for bill payments and policy access.
Aaa
Aaa insurance will review your policy with you in person or over the phone to make sure you have enough coverage or to modify it if you feel that you are over-insured.
State Farm
They do a good job at providing a wide array of services. They are always there to meet your needs.
Geico
I am satisfied with having GEICO has my insurance carrier. They have great customer service even when you are calling just to get more information about your premiums.
State Farm
I love how state farm also gives grace periods. after making a certain amount of payments, you get a month's break.
Aaa
Most of the providers after attracting new customers, increase the premium on next term. that is really bad. i hope i will not have a similar experience with aaa.
Copeland Group
I like copeland group because i personally know many of the people who work there and know that they conduct business fairly and accurately.
Nationwide
They are extremely easy to deal with. I bought my first home, and I had no idea what was involved, but they walked me through each step and it was extremely beneficial for someone like me.
Farmer's Insurance
I dislike that changes cannot be made from the website. Most other websites I have looked at, you can make changes to your policies and it will let you know what the cost differences are for you to pay or escrow, but my Insurance website will let me look at options but tells me to contact my agent for any changes. I wish I could make changes instantly.
Farmer's Insurance
I have a feeling that I pay too much considering what I get. I think overall my home insurance is about right, however I can't help but feel that when bundled with Auto, it could be lower along with my auto payment.
Narragansett Bay Insurance Company
I dislike that they didn't give me enough time to fix an issue that I had in my home which was very costly. They threatened to cancel my policy if it was not done by a certain date. Which I feel was a short time.
State Farm
The ease of calling in and the interactions with those on the phone have always been painless and helpful
State Farm
Progressive is a bunch of hype when it comes to saving money. All talk and flashy commercial ads and nothing more. Pay me is their company motto.
Progressive
I like that everything is a valuable and straightforward no confusing advertisements or things to distract you from the information you are trying to receive.
Concord Group Insurance
The website is user-friendly. I have an escrow account so I rarely need to access my company's website, but when I do need to, it is easy for me to navigate.
Geico
What I don't like about my insurance is, during the application I saw so many terms that were not clear. Also, the document provided to explain how it works was unnecessarily long.
Geico
The company does not try to downplay the damage issue or the cost of repair and will listen to everything you have to say about the way you see the damage and what you think has to be repaired and they do it.
Farmer's Insurance
I feel like overall they are good and that is why I have them and have kept them over the years. I feel that I am taken care of and I get good prices.
Safety Insurance
I would like to find cheaper insurance without losing the benefits I currently have.
Allstate
I would recommend this insurance because of the deductible the policy and the cost relitive to thers
Allstate
I would recommend it to my family friends because it is very good this attentive to all the problems and the service is very good
Safety Insurance
I would recommend them since their rates are quite competitive. Their service is excellent and fast. They didn't question anything about my claim and paid in a very short time.
Geico
I would rate Geico a 5 because their really did save me money. Because I am not paying for an agent I was able to save about $50 a month.
Safety Insurance
the company which I choose is the perfect company ever with the best offer feel proud for best
State Farm
I do not like the lack of communication that sometimes takes place within the insurance company and its clients. I have only had one house claim and yet I was left confused on what the claim process was.
Concord Group Insurance
The price is a little too high! They have same options but price are almost double! Not to many offices ! Always busy on the phone

Worcester, MA Homeowners Insurance By Home Value

Worcester, MA Home Value Total Homes % of Total Average Worcester, MA Homeowners Insurance
Less than $50,000 698 2.0% $111
$90,000 to $99,999 387 1.0% $416
$100,000 to $124,999 1,210 4.0% $488
$125,000 to $149,999 1,249 4.0% $610
$150,000 to $174,999 3,139 10.0% $722
$175,000 to $199,999 4,008 13.0% $833
$200,000 to $249,999 9,034 30.0% $1006
$250,000 to $299,999 5,705 18.0% $1230
$300,000 to $399,999 4,282 14.0% $1566

Top Home Insurance Agents Near Worcester, MA

Home Insurance Company Near Worcester, MA Homeowners Insurance Agency Near Worcester, MA Address
NA Universal Insurance Agency Inc. 374 Belmont Street, Worcester, MA, 1604
NA Sullivan - Keating Moran Insurance Agency Of Springfield, Inc. 840 Liberty Street, Springfield, MA, 1104
NA L S Jack Insurance Agency 185 Village Street, Medway, MA, 2053
NA Ald Insurance Agency Inc 60 Brighton Ave Allston, Boston, MA, 2134
Travelers The Slocum Agency Inc 1229 GREENWICH AVE, WARWICK, RI, 2886

Worcester, MA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Worcester, MA

Streets in Worcester Area Homeowners Insurance Cost
Paris Ave, Preston St, Coventry Rd, Greenbush Rd, Amanola Ave, Chiltern Hill Dr N, Orton St Exd, Gorham St, Jefferson St, Olga Ct$1,021
Snowy Owl Ln, Seconset St, E Mountain St, Southern Ave, Briarcliff Rd, Teconnett Path, Roxbury St, Saint Louis St, Curtis Pkwy, Bay State Rd$1,021
Genessee St, Sagamore Rd, Windsor St, Potomska St, Michigan Rd, Division St, Drummond Ave, Blackstone River Rd, Hermitage Ln, Rural St$1,028
Tunis Rd, Sever St, Winfield St, Cameron St, Valmor St, Lyon Pl, Holcombe St, Huntley St, Kilby St, Tuckerman St$1,005
Maverick Rd, Edmons St, Coolidge Rd, Langdon St, Suburban Rd, Passway 4, Riley St, Hockanum Way, Benham St, Royal Rd$1,027
Fountain St, Upland Gardens Dr, Wrentham Rd, Bella Ln, Standish St, Everett Gaylord St, Mower St, Tahanto Rd, Christine Dr, Newton Ave$1,011
Healy Rd, Snowbell Ln, Young St, Cataumet St, Rock Ave, Barry Rd Exd, Thorne St, Dawson Rd, Exeter St, Swan Ave$1,018
Keach Ave, W Lake St, Alpine St, Delmont Ave, Germain St, North Pkwy, College St, Leyton Rd, Lull St, Sultan St$1,009
Hartford Rd, Ingleside Ave, Longfellow Rd, Ashton St, Lazelle St, Wisteria St, Ridgley St, Plane St, Brightwood Ave, Vinton St$1,017
Claremont St, Navajo Rd, Marland Ct, Clover St, Claremont Sq, Apollo Rd, Envelope Ter, Monterey Rd, Vesper St, Leslie Rd$1,006

Worcester, MA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Worcester$152 to $154
Shrewsbury$159
Auburn$153
Millbury$154

Worcester, 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
Shrewsbury town, Worcester County, Massachusetts $133 $177 $265
Auburn town, Worcester County, Massachusetts $128 $171 $256
Millbury town, Worcester County, Massachusetts $129 $172 $258

Worcester, 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
Worcester, MA4.7%14.1%
Shrewsbury3.94%13.74%
Auburn4.6%14.33%
Millbury4.61%12.66%

Worcester Renters Insurance as a Percentage of Rent

Worcester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,026 2.0% $367
$200 to $299 2,724 7.0% $817
$300 to $499 3,051 8.0% $1267
$500 to $749 5,662 15.0% $1942
$750 to $999 10,759 28.0% $2692
$1,000 to $1,499 11,657 31.0% $3817
$1,500 or more 2,410 6.0% $5467

Worcester, MA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Worcester Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,400$5,900
Net Savings to Worcester Home Owner from High Deductible Plan $500

Worcester, MA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Worcester, MA Home Replacement Value MORE than Home Value Worcester, MA Home Replacement Value LESS than Home Value
Replacement Value $233,000 $184,000
Insurance Premium based on Replacement Value $1,525 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $125/year

Example Worcester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 99127104
Year Built 199319661949
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$250000-$300000$250000-$300000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 210,000 Metal Roof 1,890 4 $5000 to $10,000 Deductible 840 10 Vinyl siding No
1996 170,000 Slate Shingles Roof 1,270 2 $500 Deductible 520 5 Wood siding No
1942 350,000 Wood Shake Roof 2,720 4 $2500-$5000 Deductible 170 1 Stone Siding yes
1941 300,000 Shingles Roof 2,140 4 > $10,000 Deductible 960 7 Stone Siding yes
1942 175,000 Metal Roof 1,390 2 $5000 to $10,000 Deductible 460 6 Fiber-Cement Siding No
1992 310,000 Metal Roof 2,260 4 $500- $1000 Deductible 690 5 Brick siding No
1997 265,000 Shingles Roof 1,900 4 $1000-$2500 Deductible 440 3 Wood siding No
1962 180,000 Slate Shingles Roof 1,730 3 $1000-$2500 Deductible 460 3 Wood siding yes
1943 190,000 Shingles Roof 1,430 3 $2500-$5000 Deductible 1190 12 Fiber-Cement Siding No
1961 135,000 Metal Roof 1,240 3 $1000-$2500 Deductible 820 12 Wood siding No
1941 190,000 Shingles Roof 1,310 2 $2500-$5000 Deductible 950 10 Vinyl siding No
1948 205,000 Membrane Roof 1,490 3 $1000-$2500 Deductible 1460 10 Brick siding No
1995 245,000 Slate Shingles Roof 1,800 4 $500 Deductible 330 2 Stone Siding yes
1960 210,000 Tile Roof 1,750 3 $5000 to $10,000 Deductible 990 10 Wood siding yes
1991 240,000 Tile Roof 2,100 3 $2500-$5000 Deductible 100 1 Wood siding yes
1962 205,000 Composition Roof 1,900 3 $5000 to $10,000 Deductible 1060 12 Wood siding yes
1965 185,000 Asphalt Shingles Roof 1,810 3 $5000 to $10,000 Deductible 100 1 Wood siding No
1941 140,000 Composition Roof 1,120 2 $1000-$2500 Deductible 450 6 Fiber-Cement Siding No
1963 145,000 Shingles Roof 1,220 3 $1000-$2500 Deductible 60 1 Stone Siding yes
1963 135,000 Wood Shake Roof 910 2 $2500-$5000 Deductible 500 7 Fiber-Cement Siding yes
1948 350,000 Asphalt Shingles Roof 2,810 4 $2500-$5000 Deductible 410 3 Vinyl siding yes
1999 145,000 Wood Shake Roof 1,080 2 $2500-$5000 Deductible 70 1 Brick siding No
1947 155,000 Asphalt Shingles Roof 1,530 3 $2500-$5000 Deductible 460 7 Stucco siding No
1968 225,000 Shingles Roof 1,870 3 $1000-$2500 Deductible 1190 8 Vinyl siding yes
1990 145,000 Tile Roof 1,430 3 $1000-$2500 Deductible 550 8 Vinyl siding No
1964 195,000 Asphalt Shingles Roof 1,630 2 $500- $1000 Deductible 1110 10 Wood siding yes
1963 200,000 Wood Shake Roof 1,560 3 $2500-$5000 Deductible 660 8 Stucco siding No
1943 200,000 Shingles Roof 1,650 4 $5000 to $10,000 Deductible 310 3 Fiber-Cement Siding yes
1999 430,000 Wood Shake Roof 3,170 4 $5000 to $10,000 Deductible 1750 9 Stucco siding No
1933 160,000 Composition Roof 1,292 3 > $10,000 Deductible 400 2 Wood siding No

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