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.
As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Rochdale is $1,411 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,093 less than the national average of $2,504.
Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Rochdale depend on several factors, including:
- Size of your home
- Age of your home
- Amount of coverage you need
- Location
- Your credit score
Andover Insurance is the cheapest homeowners insurance company in Rochdale with an average annual premium of $775 per year.
This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Rochdale. Keep reading to learn about the monthly cost of homeowners insurance in Rochdale, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Rochdale.
Key Takeaways
- Homeowners insurance costs $1,411 per year in Rochdale.
- At $775 per year, Andover Insurance offers the cheapest homeowners insurance in Rochdale.
- Your home insurance rates increase by $286 more annually if you increase your dwelling coverage from $200,000 to $300,000.
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
In Rochdale, MA, homeowners pay an average of $1,125 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 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, while State Farm ranks second.
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 |
TIP
Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.
Common natural disasters in Massachusetts that may affect home insurance
Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.
Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding are some of the common natural disasters in Massachusetts that could affect your home insurance costs.
How home insurance protects you against natural disasters
Home insurance plays an important role in safeguarding your property and belongings from the financial burden caused by natural disasters. While standard policies usually cover damages from events like windstorms, hail and lightning, certain disasters, such as floods, earthquakes and wildfires, require additional coverage.
These types of damage are generally not included in a standard home insurance policy, so homeowners must purchase separate flood or earthquake insurance to be fully protected.
Home insurance can cover repair costs for structural damage, replace lost or damaged belongings and provide funds for temporary living arrangements if your home is rendered uninhabitable. This coverage offers financial support, helping homeowners recover more quickly from the impacts of natural disasters.
Methodology
Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Rochdale for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.
How much is home insurance in other cities
Related Articles
- How much is homeowners insurance in Rochdale per month
- How much is homeowners insurance for a $200,000 house in Rochdale
- How much is homeowners insurance for a $300,000 house in Rochdale
- How much is homeowners insurance in Rochdale by company
- Common natural disasters in Massachusetts that may affect home insurance
- How home insurance protects you against natural disasters
- Methodology