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Homeowners Insurance in 01088
For homeowners living in 01088, you want more affordable home insurance rates in West Hatfield, right? Our rates are very competitive for homeowners living in the great city of West Hatfield, MA. Many homeowners living in the 01088 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Massachusetts licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 01088 should appear in the zip code field ready to go. Comparing West Hatfield, MA Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.
01088 Home Insurance Costs Are Considered: Very High!
The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in West Hatfield pay around $1227 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Massachusetts home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 01088 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, West Hatfield homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Massachusetts home insurance premium today!
01088 Home Insurance Average Premiums
$977 /yr.
Shows Zip Code: 01088 lowest rates with discounts applied on average.
For the 01088, 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) | $977 /yr. |
| Average Coverage: | $1227 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1527 /yr. |
What is the average home insurance cost for a home in 01088?
- • The average homeowners insurance premium paid annually for a home in 01088 is around $1227 per year.
What does it cost on average per month for home insurance in 01088?
- • Homeowners in 01088 pay a monthly average cost per month around $102.00.
What kind of discount could I get if I combine my home and auto insurance together in 01088?
- • Autoowners in 01088 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 West Hatfield area, check out other zip codes nearby 01088.
Review average rates in another zip code:
01088 homeowners insurance rates
Home Replacement Cost Coverage in 01088
Average Building Cost Per Square Foot in 01088: $271
Location: West Hatfield, Massachusetts (Hampshire County)Average Square Footage in 01088: 1,169 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 01088 before you start any project. West Hatfield 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 01088 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 01088 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,169 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 West Hatfield 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $271 | 1,169 | $316,700 |
| Additional Upgrades & Added Features | $339 | 1,169 | $395,875 |
| Major Home Updates or Advancements | $407 | 1,169 | $475,050 |
It's important to understand that when you estimate your replacement cost of your home in the 01088 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 01088
Best Home & Auto Insurance Agencies in 01088
Housing Demographics for 01088
Population Review for 01088 Zip Code
For the city of West Hatfield, the population within 01088 has increased to over 592 residents in population size. The current population total is 598. We have broken down the population based on race below. In 01088, there are over 304 in male population and 294 females.
| Population | Values |
|---|---|
| Total Population | 598 |
| White Population | 534 |
| Black Population | 4 |
| Hispanic Population | 17 |
| Asian Population | 8 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 11 |
| Male Population | 304 |
| Female Population | 294 |
| Population Estimate | 592 |
Household Data for 01088
The average number of homes in 01088 is around 302, there are an average of 1.98 per household. The average house value according to local real estate values is around $316,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 302 |
| Persons Per Household | 1.98 |
| Average House Value | $316,700 |
| Income Per Household | $60260 |
| Median Age | 50.6 |
| Median Age Male | 48.4 |
| Median Age Female | 54.4 |
| 01088 Details | Values |
|---|---|
| State | MA |
| State Full Name | Massachusetts |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 413 |
| City | West Hatfield |
| City Alias Name | WEST HATFIELD |
| County | Hampshire |
| County FIPS | 015 |
| State FIPS | 25 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 521 |
| CBSA | 11200 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Amherst Town-Northampton, MA |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 27 |
| Number Of Employees | 334 |
| Business First Quarter Payroll | 3246 |
| Business Annual Payroll | 15231 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 1628 |
| Delivery Residential | 299 |
| Delivery Business | 44 |
| Delivery Total | 326 |
| Preferred Last Line Key | 004164 |
| Classification Code | |
| Multi-County | |
| CSA Name | Springfield-Amherst Town-Northampton, MA |
| CBSA_DIV_Name | |
| City State Key | 004164 |
| Land Area | 5.254000 |
| Water Area | 0.055000 |
| City Alias Code | |
| City Mixed Case | West Hatfield |
| City Alias Mixed Case | West Hatfield |
| Box Count | 0 |
| SFDU | 159 |
| MFDU | 0 |
| State ANSI | 25 |
| County ANSI | 015 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 243366 |
| Unique ZIP Name | |
| SSA State County Code | 22080 |
| Medicare CBSA Code | 44140 |
| Medicare CBSA Name | Springfield, MA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 0 |
| County Mixed Case | Hampshire |
Massachusetts Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]