How much is homeowners insurance in Rochdale,MA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Rochdale, homeowners pay an average annual rate of $1,411 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,093 less than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Rochdale depends on various factors, such as:

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Rochdale, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Rochdale.

Key takeaways

The cost of your homeowners insurance policy in Rochdale can vary based on factors such as your location, the value of your home, and the coverage options you select.
Andover Insurance is the cheapest homeowners insurance company in Rochdale with an average annual premium of $775.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $286 more, annually for home insurance.

How much is homeowners insurance in Rochdale per month

According to our rate analysis, homeowners in Rochdale pay an average of $118 per month. It’s $17 less than the state average of $135 and $91 less than the national average for home insurance across the United States.

In Rochdale, 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 Rochdale

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,125 per year in Rochdale, MA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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

Based on a rate analysis conducted by Insure.com, Rochdale residents pay an average of $1,411 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $286 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Rochdale by company

Among the carriers analyzed, Andover Insurance is the most affordable homeowners insurance company in Rochdale, offering an average annual rate of $775.

State Farm ranks second, while Heritage Insurance Holdings holds the third spot with an average annual rate of $870.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Rochdale and compiled a list of the most affordable options.

Below are the details of home insurance companies in Rochdale and their average annual premiums.

Home insurance company	Annual rate
Andover Insurance	$775
State Farm	$779
Heritage Insurance Holdings	$870
Travelers	$1,059
Vermont Mutual	$1,128
Arbella Insurance	$1,201
Safety Insurance	$1,489
Allstate	$1,623
Mapfre Insurance	$1,806
Amica Mutual	$2,247
USAA*	$1,778

Methodology

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