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Check Out 01029 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in East Otis, MA.

We will gather some basic information about your home in East Otis, MA and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Massachusetts licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 01029 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 01029

We have pulled together a variety of data related to homeowners insurance in Massachusetts. Simply click on one of the links below to learn about the average cost of homeowners insurance in Massachusetts as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional East Otis, MA home insurance quotes in your local city and review the most competitive coverages and premiums.

01029 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 01029 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Massachusetts is roughly $1249. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 01029 homeowners insurance policy!

01029 Home Insurance Average Premiums

Local 01029 homeowners insurance quotes comparison

$999 /yr.

Shows Zip Code: 01029 lowest rates with discounts applied on average.

For the 01029, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$999 /yr.
Average Coverage:$1249 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1549 /yr.

What is the average home insurance cost for a home in 01029?

  • • The average homeowners insurance premium paid annually for a home in 01029 is around $1249 per year.

What does it cost on average per month for home insurance in 01029?

  • • Homeowners in 01029 pay a monthly average cost per month around $104.00.

What kind of discount could I get if I combine my home and auto insurance together in 01029?

  • • Autoowners in 01029 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the East Otis area, check out other zip codes nearby 01029.
Review average rates in another zip code:
01029 homeowners insurance rates

Home Replacement Cost Coverage in 01029

Average Building Cost Per Square Foot in 01029: $271

Location: East Otis, Massachusetts (Berkshire County)

Average Square Footage in 01029: 1,041 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01029 before you start any project. East Otis homeowners pay on average around $271 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 01029 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 01029 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,041 sq. ft. and the average cost to rebuild the home in this area is around $271 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the East Otis area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2711,041$282,000
Additional Upgrades & Added Features$3391,041$352,500
Major Home Updates or Advancements$4071,041$423,000

It's important to understand that when you estimate your replacement cost of your home in the 01029 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 01029

Best Home & Auto Insurance Agencies in 01029

Housing Demographics for 01029

Population Review for 01029 Zip Code

For the city of East Otis, the population within 01029 has increased to over 0 residents in population size. The current population total is 714. We have broken down the population based on race below. In 01029, there are over 390 in male population and 324 females.

PopulationValues
Total Population714
White Population683
Black Population0
Hispanic Population5
Asian Population6
Hawaiian Population0
Indian Population0
Other Population0
Male Population390
Female Population324
Population Estimate0

Household Data for 01029

The average number of homes in 01029 is around 344, there are an average of 2.08 per household. The average house value according to local real estate values is around $282,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode344
Persons Per Household2.08
Average House Value$282,000
Income Per Household$88750
Median Age58.4
Median Age Male57.6
Median Age Female58.7
01029 DetailsValues
StateMA
State Full NameMassachusetts
City TypeZ
City Alias Abbreviation
Area Code413
CityEast Otis
City Alias NameEAST OTIS
CountyBerkshire
County FIPS003
State FIPS25
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA38340
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePittsfield, MA
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees133
Business First Quarter Payroll1174
Business Annual Payroll6441
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population131219
CBSA Division Population0
Congressional District01
Congressional LandArea2350.29
Delivery Residential0
Delivery Business0
Delivery Total739
Preferred Last Line KeyV21735
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV21735
Land Area9.970000
Water Area1.968000
City Alias Code
City Mixed CaseEast Otis
City Alias Mixed CaseEast Otis
Box Count551
SFDU0
MFDU0
State ANSI25
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number242295
Unique ZIP Name
SSA State County Code22010
Medicare CBSA Code38340
Medicare CBSA NamePittsfield, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseBerkshire

Massachusetts Homeowners Insurance News & Information

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]