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Homeowners Insurance in 01222
Getting the most affordable home insurance rates in 01222 just got easier for Ashley Falls, MA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Ashley Falls. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Ashley Falls, MA Home Insurance Quotes, Click to easily review rates!
Average Home Insurance Rates in 01222
When discussing Massachusetts homeowners insurance rates, Ashley Falls residents are finding new ways to save time and money by discovering lower rates when they shop online. Massachusetts may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 8. Residents that live within the 01222 zipcode are currently paying $1250 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Ashley Falls does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.
01222 Home Insurance Average Premiums
$1000 /yr.
Shows Zip Code: 01222 lowest rates with discounts applied on average.
For the 01222, 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) | $1000 /yr. |
| Average Coverage: | $1250 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1550 /yr. |
What is the average home insurance cost for a home in 01222?
- • The average homeowners insurance premium paid annually for a home in 01222 is around $1250 per year.
What does it cost on average per month for home insurance in 01222?
- • Homeowners in 01222 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 01222?
- • Autoowners in 01222 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 Ashley Falls area, check out other zip codes nearby 01222.
Review average rates in another zip code:
01222 homeowners insurance rates
Home Replacement Cost Coverage in 01222
Average Building Cost Per Square Foot in 01222: $271
Location: Ashley Falls, Massachusetts (Berkshire County)Average Square Footage in 01222: 980 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 01222 before you start any project. Ashley Falls 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 01222 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 01222 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 980 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 Ashley Falls 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 | 980 | $265,600 |
| Additional Upgrades & Added Features | $339 | 980 | $332,000 |
| Major Home Updates or Advancements | $407 | 980 | $398,400 |
It's important to understand that when you estimate your replacement cost of your home in the 01222 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 01222
Best Home & Auto Insurance Agencies in 01222
Housing Demographics for 01222
Population Review for 01222 Zip Code
For the city of Ashley Falls, the population within 01222 has increased to over 583 residents in population size. The current population total is 835. We have broken down the population based on race below. In 01222, there are over 384 in male population and 451 females.
| Population | Values |
|---|---|
| Total Population | 835 |
| White Population | 727 |
| Black Population | 5 |
| Hispanic Population | 54 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 33 |
| Male Population | 384 |
| Female Population | 451 |
| Population Estimate | 583 |
Household Data for 01222
The average number of homes in 01222 is around 343, there are an average of 2.43 per household. The average house value according to local real estate values is around $265,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 343 |
| Persons Per Household | 2.43 |
| Average House Value | $265,600 |
| Income Per Household | $61840 |
| Median Age | 49.5 |
| Median Age Male | 53.1 |
| Median Age Female | 47.3 |
| 01222 Details | Values |
|---|---|
| State | MA |
| State Full Name | Massachusetts |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 413 |
| City | Ashley Falls |
| City Alias Name | ASHLEY FALLS |
| County | Berkshire |
| County FIPS | 003 |
| State FIPS | 25 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 38340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Pittsfield, MA |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 17 |
| Number Of Employees | 32 |
| Business First Quarter Payroll | 323 |
| Business Annual Payroll | 1591 |
| 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 | 131219 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 2350.29 |
| Delivery Residential | 240 |
| Delivery Business | 4 |
| Delivery Total | 402 |
| Preferred Last Line Key | V21427 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V21427 |
| Land Area | 4.592000 |
| Water Area | 0.164000 |
| City Alias Code | |
| City Mixed Case | Ashley Falls |
| City Alias Mixed Case | Ashley Falls |
| Box Count | 140 |
| SFDU | 240 |
| MFDU | 0 |
| State ANSI | 25 |
| County ANSI | 003 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 240272 |
| Unique ZIP Name | |
| SSA State County Code | 22010 |
| Medicare CBSA Code | 38340 |
| Medicare CBSA Name | Pittsfield, MA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 0 |
| County Mixed Case | Berkshire |
Massachusetts Homeowners Insurance News & Information
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