How much is renters insurance in Rochdale, MA

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In Rochdale, MA, renters insurance costs an average of $222 per year for $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible, which is $40 less than the statewide average of $262.

It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you rent, you should consider buying renters insurance because it protects your personal belongings from damage caused by covered perils such as fire or smoke damage, theft, vandalism and other mishaps.

Looking for affordable renters insurance in Rochdale? We’ve compared the top companies to help you find the cheapest options.

Key Takeaways

Renters insurance costs an average of $222 per year or $18 per month in Rochdale.
Travelers has the cheapest renters insurance for Rochdale renters at $11 per month.
Taking advantage of discounts, such as having a security system or bundling renters insurance with other insurance policies, can help reduce your insurance premiums.

What is the average cost of renters insurance per month in Rochdale?

The average monthly cost of renters insurance in Rochdale is $18, which is $4 less than the state average of $22. This rate is for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Rochdale pay $13 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $5 more.

Higher coverage limits are recommended if you own valuable items like jewelry, furniture, and electronics.

How much is renters insurance in Rochdale by deductible?

Renters insurance in Rochdale costs an average of $165 per year for a $500 deductible and $20,000 in personal property coverage.

The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $13 annually.

The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$165	$247	$335
$1,000	$152	$222	$300

Note: The liability protection coverage is $100,000.

Who offers cheap renters insurance in Rochdale?

Your search for the cheapest renters insurance company ends here.

Travelers offers the cheapest renters insurance in Rochdale at $132 a year or $11 per month. According to our data, State Farm ranks second on our list followed by Vermont Mutual.

Below are the average annual and monthly rates of the cheap renters insurance companies in Rochdale, MA.

Renter insurance provider	Average annual rate	Average per month rate
Travelers	$132	$11
State Farm	$136	$11
Vermont Mutual	$154	$13
Andover Insurance	$169	$14
Safety Insurance	$229	$19
Allstate	$242	$20
Amica Mutual	$261	$22
Arbella Insurance	$282	$24
Mapfre Insurance	$306	$25

How to lower the cost of renters insurance

Follow these tips to reduce the cost of your renters insurance in Rochdale:

Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Rochdale provide discounts for bundled policies.

Increase your deductible. A higher deductible can lower your premium in Rochdale, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.

Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.

Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.
Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Rochdale to find the best deal.

Renters in Rochdale, MA should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Rochdale for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

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.