Gavop's guide to buying homeowners insurance in Charlestown, RI covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Charlestown, RI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 4th St, Whipple Dr, North Ave, Ram Island Rd, Pioneer Trl, Ninigret Ave, Gardner Rd, S Bayberry Ln, Bayberry Ln, Old Coach Rd | $231,500 | $200,000 | $200,000-$250,000 | $119,000 | $100,000 | $100,000-$125,000 |
| E Central Ave, Johnson Ln, Crestwood Ln, General Stanton Ln, Oceanview Ave, Sea Breeze Ave, New Biscuit City Rd, Peckham Hollow Rd, Old Mill Rd, Burlingame State Park Rd | $215,000 | $200,000 | $200,000-$250,000 | $168,000 | $150,000 | $150,000-$175,000 |
| Mohegan Rd, Prosser Trl, Moulton Pl, E Beach Rd, Pine Rd, Atlantis Dr, Spray St, Birch Rd, Shore Way, Kenyon Ave | $221,500 | $190,000 | $200,000-$250,000 | $197,500 | $170,000 | $175,000-$200,000 |
| E Burdick St, Oak Hollow Ln, Autumn Rd, Charter Ct, Old Rd, Charlestown Beach Rd, Edgeware St, Sea Lea Ave, Niantic Hwy, Laurel Rd | $318,500 | $280,000 | $250,000-$300,000 | $308,000 | $280,000 | $300,000-$350,000 |
| Black Pond Rd, E Overlook Ter, Brookside Dr, School House Pond Rd, Burdick St, Arnold St, Woodcock Trl, Clarkin Pond Rd, Muratore Ln, Powaget Ave | $219,000 | $190,000 | $200,000-$250,000 | $159,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$174 | $793 |
| Superior Protection Discount | -$97 | $870 |
| Fire & Security Discount | -$68 | $899 |
| Hail Resistant Roof Discount | -$29 | $937 |
| Newly Constructed Home Discount | -$251 | $715 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,368 |
| Hail Damage | $4,571 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $16,386 |
| Home Insurance Company Charlestown, RI | Homeowners Insurance Agency Charlestown, RI | Address | Popularity Score | Distance from Charlestown (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Mansfield Insurance Agency Inc | 115 High St, Westerly, RI, 2891 | 7.6 | |
| Liberty Mutual Independent | Schonning Insurance | 90 Airport Rd, Westerly, RI, 2891 | 7.1 | |
| Allstate | Stephen Neri | 105 Franklin St, Westerly, RI, 2891 | 6.8 | |
| Liberty Mutual Independent | Schonning Insurance | 90 Airport Road, Westerly, RI, 2891 | 7.3 | |
| Travelers | Rose & Kiernan | 138 Main St, Wakefield, RI, 2879 | 10.8 | |
| Travelers | Blais Insurance | 1 Walker Street, Lincoln, RI, 2865 | 38.9 | |
| Travelers | Lamberts Insurance Connection | 1985 Mendon Rd Ste 1, Cumberland, RI, 2864 | 41.8 | |
| Travelers | Wickford Insurance Agency Inc | 1130 Ten Rod Rd Unit E104 Lower Level, North Kingstown, RI, 2852 | 17.4 | |
| Travelers | Wickford Insurance Agency Inc | 1130 Ten Rod Road Suite E-104 , North Kingstown, RI, 2852 | 17.2 | |
| Liberty Mutual Independent | Burns & Cotter | 206 Waterman St, Providence, RI, 2906 | 34.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Rhode Island | $242,200 | $1,321 | $910 | $1,860 | $950 |
| Washington County, RI | $320,600 | $1,435 | $1,020 | $2,020 | $1,000 |
| Charlestown, RI | $305,900 | $966 | $670 | $1,330 | $660 |
| Sprague, CT | $217,100 | $1,104 | $760 | $1,520 | $760 |
| East Hampton, NY | $807,500 | $845 | $610 | $1,210 | $600 |
| Old Lyme, CT | $398,900 | $930 | $660 | $1,280 | $620 |
| Amagansett, NY | $1,673,900 | $1,028 | $710 | $1,460 | $750 |
| Bliss Corner, MA | $259,900 | $923 | $620 | $1,270 | $650 |
| Aquinnah, MA | $885,400 | $555 | $370 | $760 | $390 |
| Terramuggus, CT | $302,400 | $1,339 | $950 | $1,850 | $900 |
| East Hampton, CT | $261,400 | $874 | $640 | $1,240 | $600 |
| Norton Center, MA | $327,300 | $1,312 | $910 | $1,800 | $890 |