Compare quotes for your home in 01238! Compare the best 12 carriers in minutes.
01238 Home Insurance Rates
For homeowners living in 01238, the population estimates are increasing to well over 5,722 with 2,517 occupied homes within the zip code of 01238. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Lee have increased and the average home insurance premium is around $1,281 per year in 01238. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 01238 zip code today so we can help you find affordable Lee, MA home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 01238
Please select one of the three options below based on your 01238 zip code to learn more about Massachusetts homeowners insurance, plus review average rates and information per state, county or city.
- Massachusetts Homeowners Insurance Quotes
- Berkshire County, MA Home Insurance
- Lee, MA Home Insurance Quotes
01238 Average Home Insurance Rating Cost is: Very High!
Getting cheaper homeowners insurance in the 01238 zip code just got easier with GetHomeInsuranceQuotes.com of Lee, MA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 01238 today and let us help you review the best home insurance quotes available for homeowners living in Lee.
01238 Home Insurance Average Premiums
$1031 /yr.
Shows Zip Code: 01238 lowest rates with discounts applied on average.
For the 01238, 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) | $1031 /yr. |
| Average Coverage: | $1281 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1581 /yr. |
What is the average home insurance cost for a home in 01238?
- • The average homeowners insurance premium paid annually for a home in 01238 is around $1281 per year.
What does it cost on average per month for home insurance in 01238?
- • Homeowners in 01238 pay a monthly average cost per month around $107.00.
What kind of discount could I get if I combine my home and auto insurance together in 01238?
- • Autoowners in 01238 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 Lee area, check out other zip codes nearby 01238.
Review average rates in another zip code:
01238 homeowners insurance rates
Home Replacement Cost Coverage in 01238
Average Building Cost Per Square Foot in 01238: $271
Location: Lee, Massachusetts (Berkshire County)Average Square Footage in 01238: 1,068 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 01238 before you start any project. Lee 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 01238 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 01238 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,068 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 Lee 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 | 1,068 | $289,300 |
| Additional Upgrades & Added Features | $339 | 1,068 | $361,625 |
| Major Home Updates or Advancements | $407 | 1,068 | $433,950 |
It's important to understand that when you estimate your replacement cost of your home in the 01238 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 01238
A F Viale & Son
Address: 75 Main Street Lee, MA 01238Phone: (413)243-0347
Website: www.vialeinsurance.com
Best Home & Auto Insurance Agencies in 01238
A F Viale & Son
Address: 75 Main St Lee, MA 01238Phone:
Website: http://www.vialeinsurance.com
Info:
Housing Demographics for 01238
Population Review for 01238 Zip Code
For the city of Lee, the population within 01238 has increased to over 5,949 residents in population size. The current population total is 5,722. We have broken down the population based on race below. In 01238, there are over 2743 in male population and 2979 females.
| Population | Values |
|---|---|
| Total Population | 5,722 |
| White Population | 5077 |
| Black Population | 60 |
| Hispanic Population | 292 |
| Asian Population | 134 |
| Hawaiian Population | 2 |
| Indian Population | 11 |
| Other Population | 163 |
| Male Population | 2743 |
| Female Population | 2979 |
| Population Estimate | 5949 |
Household Data for 01238
The average number of homes in 01238 is around 2,517, there are an average of 2.18 per household. The average house value according to local real estate values is around $289,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,517 |
| Persons Per Household | 2.18 |
| Average House Value | $289,300 |
| Income Per Household | $69840 |
| Median Age | 51.6 |
| Median Age Male | 49.9 |
| Median Age Female | 53.3 |
| 01238 Details | Values |
|---|---|
| State | MA |
| State Full Name | Massachusetts |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 413 |
| City | Lee |
| City Alias Name | LEE |
| County | Berkshire |
| County FIPS | 003 |
| State FIPS | 25 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6320 |
| PMSA | |
| CSA | |
| CBSA | 38340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Pittsfield, MA |
| MSA_Name | Pittsfield, MA MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 241 |
| Number Of Employees | 2544 |
| Business First Quarter Payroll | 24964 |
| Business Annual Payroll | 112247 |
| 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 | 2729 |
| Delivery Business | 267 |
| Delivery Total | 3415 |
| Preferred Last Line Key | V21968 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V21968 |
| Land Area | 27.602000 |
| Water Area | 1.045000 |
| City Alias Code | |
| City Mixed Case | Lee |
| City Alias Mixed Case | Lee |
| Box Count | 318 |
| SFDU | 2153 |
| MFDU | 254 |
| State ANSI | 25 |
| County ANSI | 003 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 243944 |
| 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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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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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 […]
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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 […]