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Compare 01247 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in North Adams just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,825 neighbors looking to save on their home insurance policy in the local 01247 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 01247. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Massachusetts rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your North Adams, MA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in North Adams, MA

01247 Home Insurance Average Premiums

Local 01247 homeowners insurance quotes comparison

$1013 /yr.

Shows Zip Code: 01247 lowest rates with discounts applied on average.

For the 01247, 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)
$1013 /yr.
Average Coverage:$1263 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1563 /yr.

What is the average home insurance cost for a home in 01247?

  • • The average homeowners insurance premium paid annually for a home in 01247 is around $1263 per year.

What does it cost on average per month for home insurance in 01247?

  • • Homeowners in 01247 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 01247?

  • • Autoowners in 01247 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 North Adams area, check out other zip codes nearby 01247.
Review average rates in another zip code:
01247 homeowners insurance rates

Home Replacement Cost Coverage in 01247

Average Building Cost Per Square Foot in 01247: $271

Location: North Adams, Massachusetts (Berkshire County)

Average Square Footage in 01247: 581 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01247 before you start any project. North Adams 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 01247 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 01247 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 581 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 North Adams 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$271581$157,400
Additional Upgrades & Added Features$339581$196,750
Major Home Updates or Advancements$407581$236,100

It's important to understand that when you estimate your replacement cost of your home in the 01247 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 01247

Best Home & Auto Insurance Agencies in 01247

Housing Demographics for 01247

Population Review for 01247 Zip Code

For the city of North Adams, the population within 01247 has increased to over 14,210 residents in population size. The current population total is 15,147. We have broken down the population based on race below. In 01247, there are over 7353 in male population and 7794 females.

PopulationValues
Total Population15,147
White Population13377
Black Population347
Hispanic Population615
Asian Population113
Hawaiian Population2
Indian Population38
Other Population234
Male Population7353
Female Population7794
Population Estimate14210

Household Data for 01247

The average number of homes in 01247 is around 6,825, there are an average of 2.10 per household. The average house value according to local real estate values is around $157,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,825
Persons Per Household2.10
Average House Value$157,400
Income Per Household$51959
Median Age43.7
Median Age Male42.9
Median Age Female44.5
01247 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code413
CityNorth Adams
City Alias NameNORTH ADAMS
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 Businesses326
Number Of Employees3736
Business First Quarter Payroll33982
Business Annual Payroll146913
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 Residential6767
Delivery Business466
Delivery Total7433
Preferred Last Line KeyV22206
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV22206
Land Area45.915000
Water Area0.411000
City Alias Code
City Mixed CaseNorth Adams
City Alias Mixed CaseNorth Adams
Box Count208
SFDU5460
MFDU411
State ANSI25
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number245185
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

  • 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 […]