How much is homeowners insurance in Leeds, MA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Leeds is $1,217 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,287 less than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Leeds depend on several factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

State Farm is the cheapest homeowners insurance company in Leeds with an average annual premium of $721 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Leeds. Keep reading to learn about the monthly cost of homeowners insurance in Leeds, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Leeds.

How much is homeowners insurance in Leeds per month

According to Insure.com’s rate analysis, residents of Leeds pay an average of $101 per month for homeowners insurance. This is $34 less than the state average of $135 and $108 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Leeds can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Leeds

In Leeds, MA, homeowners pay an average of $965 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Leeds

According to a rate analysis by Insure.com, homeowners in Leeds pay an average of $1,217 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $252 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Leeds by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Leeds. It’s average annual rate for homeowners in Leeds is $721, while Andover Insurance ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Leeds and compiled a list of the most affordable home insurance companies.

Below are details of Leeds home insurance companies and their average annual premiums.

Common natural disasters in Massachusetts that may affect home insurance

Natural disasters are unpredictable events that can cause significant damage to homes and property. Understanding these risks is important to ensure that your home insurance policy provides adequate protection in the event of a disaster.

Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding are some of the common natural disasters in Massachusetts that may influence your home insurance rates.

How home insurance protects you against natural disasters

Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.

In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.

A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Leeds for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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