How much is homeowners insurance in Milton,MA

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In Milton, homeowners pay an average annual rate of $1,438 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,066 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Milton, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Milton, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Milton.

Key takeaways

The average cost of homeowners insurance in Milton is $1,438 per year.
Andover Insurance is the cheapest homeowners insurance company in Milton with an average annual premium of $838.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $287 more a year for home insurance.

How much is homeowners insurance in Milton per month

According to our rate analysis, homeowners in Milton pay an average of $120 per month. It’s $15 less than the state average of $135 and $89 less than the national average for home insurance across the United States.

In Milton, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

In Milton, MA, homeowners pay an average of $1,151 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 Milton

According to a rate analysis by Insure.com, homeowners in Milton pay an average of $1,438 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 $287 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 Milton by company

Among the carriers analyzed, Andover Insurance is the most affordable homeowners insurance company in Milton. It’s average annual rate for homeowners in Milton is $838.

Heritage Insurance Holdings, ranks second and Vermont Mutual makes it to the third spot with an average annual home insurance rate of $1,147.

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

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

Home insurance company	Annual rate
Andover Insurance	$838
Heritage Insurance Holdings	$1,075
Vermont Mutual	$1,147
Travelers	$1,172
Mapfre Insurance	$1,183
State Farm	$1,188
Arbella Insurance	$1,451
Safety Insurance	$1,589
Allstate	$1,736
Amica Mutual	$2,414
USAA*	$1,863

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Milton 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.