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01109 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 01109 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Springfield, MA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 01109.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 01109 and start shopping.

Quickly and Easily Compare Average Rates for 01109

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

Average Policy Rates in 01109

Homeowners in Springfield are paying roughly $1259 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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01109 Home Insurance Average Premiums

Local 01109 homeowners insurance quotes comparison

$1009 /yr.

Shows Zip Code: 01109 lowest rates with discounts applied on average.

For the 01109, 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)		$1009 /yr.
Average Coverage:$1259 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1559 /yr.

What is the average home insurance cost for a home in 01109?

  • • The average homeowners insurance premium paid annually for a home in 01109 is around $1259 per year.

What does it cost on average per month for home insurance in 01109?

  • • Homeowners in 01109 pay a monthly average cost per month around $105.00.

What kind of discount could I get if I combine my home and auto insurance together in 01109?

  • • Autoowners in 01109 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 Springfield area, check out other zip codes nearby 01109.
Review average rates in another zip code:
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01109 homeowners insurance rates

Home Replacement Cost Coverage in 01109

Average Building Cost Per Square Foot in 01109: $271

Location: Springfield, Massachusetts (Hampden County)

Average Square Footage in 01109: 559 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01109 before you start any project. Springfield 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 01109 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 01109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 559 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 Springfield 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$271559$151,600
Additional Upgrades & Added Features$339559$189,500
Major Home Updates or Advancements$407559$227,400

It's important to understand that when you estimate your replacement cost of your home in the 01109 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 01109

Weathervane Insurance

Address: 6 Mason St Springfield, MA 01109
Phone: (508)652-3518
Website:

Alban Insurance Agency

Address: 85 Wilbraham Road Springfield, MA 01109
Phone: (413)733-5630
Website:

Best Home & Auto Insurance Agencies in 01109

Weathervane Insurance

Address: 6 Mason St Springfield, MA 01109
Phone:
Website:
Info:

Alban Insurance Agency

Address: 85 Wilbraham Rd Springfield, MA 01109
Phone:
Website:
Info:

Housing Demographics for 01109

Population Review for 01109 Zip Code

For the city of Springfield, the population within 01109 has increased to over 28,745 residents in population size. The current population total is 30,968. We have broken down the population based on race below. In 01109, there are over 14459 in male population and 16509 females.

PopulationValues
Total Population30,968
White Population8433
Black Population10678
Hispanic Population13418
Asian Population441
Hawaiian Population47
Indian Population223
Other Population6852
Male Population14459
Female Population16509
Population Estimate28745

Household Data for 01109

The average number of homes in 01109 is around 10,224, there are an average of 2.75 per household. The average house value according to local real estate values is around $151,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,224
Persons Per Household2.75
Average House Value$151,600
Income Per Household$37887
Median Age30.1
Median Age Male27.9
Median Age Female32.1
01109 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code413
CitySpringfield
City Alias NameSPRINGFIELD
CountyHampden
County FIPS013
State FIPS25
Time Zone5
Day Light SavingY
MSA8000
PMSA
CSA521
CBSA44140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSpringfield, MA
MSA_NameSpringfield, MA MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses312
Number Of Employees6799
Business First Quarter Payroll49941
Business Annual Payroll213903
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population692942
CBSA Division Population0
Congressional District01
Congressional LandArea2350.29
Delivery Residential10453
Delivery Business450
Delivery Total11203
Preferred Last Line KeyV22552
Classification Code
Multi-County
CSA NameSpringfield-Amherst Town-Northampton, MA
CBSA_DIV_Name
City State KeyV22552
Land Area5.441000
Water Area0.194000
City Alias Code
City Mixed CaseSpringfield
City Alias Mixed CaseSpringfield
Box Count0
SFDU8474
MFDU1395
State ANSI25
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number247820
Unique ZIP Name
SSA State County Code22070
Medicare CBSA Code44140
Medicare CBSA NameSpringfield, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseHampden

Massachusetts Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]