Gavop tells you how to get the best homeowners insurance in Spencer, MA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $72,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $198,000 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $152,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $236,000 | $210,000 | $175,000-$200,000 |
| 5 Bedroom | $618,500 | $500,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$72 | $833 |
| Home and Two Car | -$154 | $752 |
| Home and Three Car | -$217 | $688 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Worcester County | $2,500 | $1,012 | $3,512 | $735 | $3,235 | $276 |
| Spencer, MA | $700 | $895 | $1,595 | $650 | $1,350 | $244 |
| Auburn, MA | $100 | $880 | $980 | $639 | $739 | $240 |
| South Woodstock, CT | $1,000 | $1,074 | $2,074 | $780 | $1,780 | $293 |
| Willington, CT | $500 | $781 | $1,281 | $568 | $1,068 | $213 |
| Winchendon, MA | $2,000 | $768 | $2,768 | $558 | $2,558 | $210 |
| Hampton, CT | $200 | $1,118 | $1,318 | $813 | $1,013 | $306 |
| North Providence, RI | $700 | $1,075 | $1,775 | $781 | $1,481 | $294 |
| Willimantic, CT | $100 | $692 | $792 | $503 | $603 | $189 |
| Foxborough, MA | $700 | $985 | $1,685 | $716 | $1,416 | $269 |
| Lebanon, CT | $500 | $851 | $1,351 | $619 | $1,119 | $233 |
| Home Insurance Company Spencer, MA | Homeowners Insurance Agency Spencer, MA | Address | Popularity Score | Distance from Spencer (miles) |
|---|---|---|---|---|
| Travelers | Mid State Insurance Agency | 93 Stafford St Ste 2, Worcester, MA, 1603 | 7.7 | |
| Travelers | Ripple Effect Insurance Inc | 335 Main St , Douglas, MA, 1516 | 18.7 | |
| Liberty Mutual Independent | Wiersma Insurance | 781 Main St, Whitinsville, MA, 1588 | 18.0 | |
| Travelers | J J Ruddy Insurance | 153 Main Street, Medford, MA, 2155 | 46.6 | |
| Travelers | Guard Insurance Agency | 279 Mt. Auburn St , Watertown, MA, 2472 | 42.2 | |
| Liberty Mutual Independent | The Getchell Companies | 183 Great Rd, Stow, MA, 1775 | 28.8 | |
| Travelers | Willis Mackinnon Insurance Agency Inc | 5 Man Mar Dr Unit 2, Plainville, MA, 2762 | 38.8 | |
| Travelers | Cohen Miles Insurance Agency | 375 Concord Avenue, Belmont, MA, 2478 | 43.2 | |
| Liberty Mutual Independent | Intercontinental Insurance Brokers Llc | 175 Federal St Ste 510, Boston, MA, 2110 | 48.5 | |
| Travelers | Arthur J Gallagher Risk Management Svcs Inc | 2 Liberty Sq 5th Fl, Boston, MA, 2109 | 48.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $1,020 | $1,990 | $970 |
| Worcester County, MA | $260,800 | $1,024 | $700 | $1,460 | $760 |
| Spencer, MA | $252,100 | $906 | $650 | $1,290 | $640 |
| Auburn, MA | $245,300 | $890 | $610 | $1,270 | $660 |
| South Woodstock, CT | $211,300 | $1,087 | $770 | $1,540 | $770 |
| Willington, CT | $219,600 | $791 | $580 | $1,120 | $540 |
| Winchendon, MA | $188,100 | $777 | $530 | $1,100 | $570 |
| Hampton, CT | $226,500 | $1,132 | $770 | $1,620 | $850 |
| North Providence, RI | $201,400 | $1,088 | $780 | $1,510 | $730 |
| Willimantic, CT | $140,400 | $701 | $470 | $1,000 | $530 |
| Foxborough, MA | $392,800 | $997 | $690 | $1,370 | $680 |
| Lebanon, CT | $254,900 | $862 | $630 | $1,230 | $600 |