Gavop shows you how to buy homeowners insurance in Ludlow, MA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Ludlow, MA - 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 | |
| Fontaine St, Oakwood Dr, Owens Way, Oak Ridge St, Haswell Cir, Lillian St, Brewster St, Woodside Rd, Americo St, Nora Ln | $170,000 | $140,000 | $125,000-$150,000 | $165,000 | $150,000 | $175,000-$200,000 |
| Hubbard St, Holyoke St, Stevens St, Nowak Cir, Focosi Ln, Isabel Ln, Hunter Rd, Susan Dr, Napoleon Ave, Bramucci St | $133,000 | $110,000 | $150,000-$175,000 | $156,000 | $140,000 | $125,000-$150,000 |
| Pell St, Daisy Ln, Lawrence St, W Belmont St, Butler St, Haviland St, Harris Ln, Sportsmans Rd, Birch Pt, Windwood Dr | $235,500 | $210,000 | $250,000-$300,000 | $182,500 | $170,000 | $200,000-$250,000 |
| Power Ave, Park Pl, Cottage Ave, Pleasantview St, Alabama St, Richard St, Lawrence St, Andrusik St, Minechoag Hts, Voltage Ave | $133,000 | $110,000 | $100,000-$125,000 | $155,000 | $140,000 | $125,000-$150,000 |
| Guertin Ave, Loopley St, Waters Edge Dr, Ampere St, Tony Lima Dr, Moody St, Lyon St, Fox Hill Rd, Hilltop Ter, Bruni Ave | $199,000 | $160,000 | $150,000-$175,000 | $154,500 | $130,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$68 | $780 |
| Home and Two Car | -$144 | $703 |
| Home and Three Car | -$203 | $644 |
| 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 |
| Hampden County | $2,000 | $899 | $2,899 | $653 | $2,653 | $246 |
| Ludlow, MA | $1,000 | $837 | $1,837 | $609 | $1,609 | $229 |
| Longmeadow, MA | $300 | $923 | $1,223 | $671 | $971 | $252 |
| North Amherst, MA | $1,000 | $958 | $1,958 | $696 | $1,696 | $262 |
| Hatfield, MA | $100 | $1,159 | $1,259 | $842 | $942 | $317 |
| Montgomery, MA | $2,500 | $1,155 | $3,655 | $839 | $3,339 | $316 |
| Collinsville, CT | $200 | $1,253 | $1,453 | $910 | $1,110 | $342 |
| Columbia, CT | $700 | $829 | $1,529 | $602 | $1,302 | $227 |
| Marlborough, CT | $300 | $964 | $1,264 | $700 | $1,000 | $263 |
| Scotland, CT | $700 | $1,163 | $1,863 | $845 | $1,545 | $318 |
| Falls Village, CT | $100 | $1,382 | $1,482 | $1,004 | $1,104 | $378 |
| Alford, MA | $1,000 | $2,517 | $3,517 | $1,829 | $2,829 | $688 |
| Home Insurance Company Ludlow, MA | Homeowners Insurance Agency Ludlow, MA | Address | Popularity Score | Distance from Ludlow (miles) |
|---|---|---|---|---|
| Travelers | Mid State Insurance Agency | 93 Stafford St Ste 2, Worcester, MA, 1603 | 31.9 | |
| Travelers | Mainstream Insurance Agency Inc | 704 Southbridge St, Worcester, MA, 1610 | 33.4 | |
| Liberty Mutual Independent | Wiersma Insurance | 781 Main Street , Whitinsville, MA, 1588 | 39.8 | |
| Travelers | Bates Fullam Insurance Agency | 975 Elm St, West Springfield, MA, 1089 | 10.0 | |
| Allstate | Eric Holt | 238 Chestnut St, Springfield, MA, 1103 | 8.8 | |
| Travelers | Mcclure Insurance Agency | 103 Van Deene Ave, West Springfield, MA, 1089 | 10.3 | |
| Travelers | Handy - Apple Valley Insurance Agency, Llc | 440 Park Avenue, Worcester, MA, 1610 | 32.9 | |
| Travelers | North American Ins Agency Inc | 414 Main Street, Worcester, MA, 1608 | 34.1 | |
| Allstate | Peter Bacchiocchi | 59 Green St, Worcester, MA, 1604 | 34.3 | |
| Travelers | Wolpert Insurance Agency Inc | 18 John St Pl, Worcester, MA, 1609 | 34.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Massachusetts | $352,600 | $1,410 | $970 | $2,020 | $1,050 |
| Hampden County, MA | $198,500 | $910 | $610 | $1,280 | $670 |
| Ludlow, MA | $224,700 | $848 | $620 | $1,170 | $550 |
| Longmeadow, MA | $328,000 | $934 | $640 | $1,340 | $700 |
| North Amherst, MA | $376,800 | $970 | $660 | $1,370 | $710 |
| Hatfield, MA | $285,800 | $1,173 | $810 | $1,610 | $800 |
| Montgomery, MA | $284,600 | $1,169 | $790 | $1,660 | $870 |
| Collinsville, CT | $275,900 | $1,268 | $860 | $1,790 | $930 |
| Columbia, CT | $243,300 | $839 | $580 | $1,190 | $610 |
| Marlborough, CT | $314,600 | $975 | $690 | $1,360 | $670 |
| Scotland, CT | $242,400 | $1,177 | $860 | $1,620 | $760 |
| Falls Village, CT | $324,500 | $1,399 | $990 | $1,940 | $950 |
| Alford, MA | $630,500 | $2,548 | $1,810 | $3,540 | $1,730 |