Gavop's guide to buying homeowners insurance in Cumberland Hill, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $73,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $163,000 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $187,000 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $194,500 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $539,000 | $490,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $812 |
| Superior Protection Discount | -$86 | $869 |
| Fire & Security Discount | -$95 | $859 |
| Hail Resistant Roof Discount | -$29 | $926 |
| Newly Constructed Home Discount | -$258 | $697 |
| 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 |
| Providence County | $1,000 | $1,120 | $2,120 | $814 | $1,814 | $306 |
| Cumberland Hill, RI | $1,500 | $943 | $2,443 | $686 | $2,186 | $258 |
| Greenville, RI | $500 | $976 | $1,476 | $709 | $1,209 | $267 |
| Southborough, MA | $2,500 | $1,018 | $3,518 | $740 | $3,240 | $278 |
| Framingham, MA | $100 | $1,326 | $1,426 | $963 | $1,063 | $362 |
| North Westport, MA | $700 | $1,169 | $1,869 | $849 | $1,549 | $319 |
| Leicester, MA | $100 | $851 | $951 | $618 | $718 | $232 |
| Newport East, RI | $1,500 | $1,000 | $2,500 | $727 | $2,227 | $273 |
| Fairhaven, MA | $200 | $793 | $993 | $576 | $776 | $217 |
| Lisbon, CT | $1,000 | $1,120 | $2,120 | $814 | $1,814 | $306 |
| Marshfield, MA | $400 | $976 | $1,376 | $709 | $1,109 | $267 |
| White Island Shores, MA | $2,000 | $1,022 | $3,022 | $742 | $2,742 | $279 |
| Home Insurance Company Cumberland Hill, RI | Homeowners Insurance Agency Cumberland Hill, RI | Address | Popularity Score | Distance from Cumberland Hill (miles) |
|---|---|---|---|---|
| Nationwide | The Lawrence Agency Inc | 872 Smithfield Ave, Lincoln, RI, 2865 | 6.7 | |
| Nationwide | Katherine E Smith | 567 So County Trl Ste 204, Exeter, RI, 02822-3419 | 31.3 | |
| Liberty Mutual Independent | Affiliated Insurance Managers | 935 Jefferson Blvd Suite 2001, Warwick, RI, 2886 | 17.4 | |
| Allstate | Gary Dusablon | 1396 Mendon Rd, Cumberland, RI, 2864 | 3.1 | |
| Allstate | Sugeidy Mendez | 58 Greenville Ave, Johnston, RI, 2919 | 9.7 | |
| Allstate | Judith Ferra | 180 Front St, Lincoln, RI, 2865 | 5.5 | |
| Nationwide | Wayne P Johnson | 800 Providence St, Woonsocket, RI, 02895-6263 | 3.2 | |
| Travelers | Butler & Messier Inc | 1401 Newport Ave, Pawtucket, RI, 2861 | 7.9 | |
| Travelers | Gardiner Whiteley Boardman Ins Agency Llc | 1 Main Street, Pawtucket, RI, 2860 | 7.9 | |
| Nationwide | James M Dolan | 560 Mendon Rd, Cumberland, RI, 02864-6215 | 4.4 |
| 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 | $950 | $1,880 | $930 |
| Providence County, RI | $214,400 | $1,134 | $780 | $1,620 | $840 |
| Cumberland Hill, RI | $248,200 | $955 | $650 | $1,330 | $680 |
| Greenville, RI | $261,000 | $988 | $710 | $1,360 | $650 |
| Southborough, MA | $584,500 | $1,031 | $750 | $1,460 | $710 |
| Framingham, MA | $371,200 | $1,342 | $980 | $1,910 | $930 |
| North Westport, MA | $289,100 | $1,183 | $850 | $1,690 | $840 |
| Leicester, MA | $231,300 | $861 | $630 | $1,210 | $580 |
| Newport East, RI | $327,600 | $1,012 | $700 | $1,410 | $710 |
| Fairhaven, MA | $270,800 | $803 | $550 | $1,130 | $580 |
| Lisbon, CT | $227,100 | $1,134 | $770 | $1,550 | $780 |
| Marshfield, MA | $432,700 | $988 | $720 | $1,360 | $640 |
| White Island Shores, MA | $235,000 | $1,034 | $710 | $1,420 | $710 |