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

State Farm
I love how state farm also gives grace periods. after making a certain amount of payments, you get a month's break.
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.
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.
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.
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

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

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

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%

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
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
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