How much is homeowners insurance in Worcester,MA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Worcester is $1,623 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $881 less than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Worcester 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 Worcester with an average annual premium of $1,623 per year.

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

Key takeaways

In Worcester, homeowners insurance costs $1,623 annually.
State Farm offers the most affordable homeowners insurance in Worcester with an average annual premium of $810.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $334 higher.

How much is homeowners insurance in Worcester per month

According to Insure.com’s rate analysis, residents of Worcester pay an average of $135 per month for homeowners insurance. This is same as the state average of $135 and $74 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Worcester can vary depending on your location, property value, and selected coverage options.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,289 per year in Worcester, 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 Worcester

Based on a rate analysis conducted by Insure.com, Worcester residents pay an average of $1,623 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 $334 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 Worcester by company

After evaluating several carriers, State Farm is the least expensive homeowners insurance provider in Worcester. It’s average annual rate for homeowners in Worcester is $810.

Andover Insurance holds the second position, while Heritage Insurance Holdings secures the third spot with an average annual home insurance rate of $1,199.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Worcester and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Worcester and their average annual premiums.

Home insurance company	Annual rate
State Farm	$810
Andover Insurance	$829
Heritage Insurance Holdings	$1,199
Vermont Mutual	$1,372
Travelers	$1,393
Arbella Insurance	$1,537
Allstate	$1,709
Safety Insurance	$1,832
Mapfre Insurance	$2,159
Amica Mutual	$2,557
USAA*	$1,775

Methodology

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