Homeowner Insurance Costs in Worcester County, MA

How much does homeowner insurance cost in Worcester County? Here's what to expect.

Est. Annual Premium

$1,998

Monthly Cost

$167

Median Home Value

$363,200

% of Income

2.3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$363,200
Personal Property (C)$181,600
Liability (E)$300,000
Deductible$3,632

Cost Context

Homeownership Rate65.9%
Median Income$88,524
Property Tax Rate1.4%
Population858,898

About Insurance in Worcester County

Homeowner insurance in Worcester County, Massachusetts costs an estimated $1,998 per year for a median-value home of $363,200. This represents approximately 2.3% of the median household income of $88,524.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

Calculate Your True Insurance Cost

Get a peril-by-peril risk analysis, coverage optimization, and premium comparison. Find out if you're over-insured, under-insured, or paying too much.

Start Free Analysis

Other Counties in Massachusetts

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.