Get multiple home insurance quotes in 01270. Our licensed 01270, MA agents are ready to serve you.

Check Out 01270 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Windsor, MA.

We will gather some basic information about your home in Windsor, MA and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Massachusetts licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 01270 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 01270

We have pulled together a variety of data related to homeowners insurance in Massachusetts. Simply click on one of the links below to learn about the average cost of homeowners insurance in Massachusetts as well as local coverage options.

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

01270 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 01270 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Massachusetts is roughly $1245. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 01270 homeowners insurance policy!

01270 Home Insurance Average Premiums

Local 01270 homeowners insurance quotes comparison

$995 /yr.

Shows Zip Code: 01270 lowest rates with discounts applied on average.

For the 01270, 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)
$995 /yr.
Average Coverage:$1245 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1545 /yr.

What is the average home insurance cost for a home in 01270?

  • • The average homeowners insurance premium paid annually for a home in 01270 is around $1245 per year.

What does it cost on average per month for home insurance in 01270?

  • • Homeowners in 01270 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 01270?

  • • Autoowners in 01270 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 Windsor area, check out other zip codes nearby 01270.
Review average rates in another zip code:
01270 homeowners insurance rates

Home Replacement Cost Coverage in 01270

Average Building Cost Per Square Foot in 01270: $271

Location: Windsor, Massachusetts (Berkshire County)

Average Square Footage in 01270: 1,107 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01270 before you start any project. Windsor 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 01270 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 01270 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,107 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 Windsor 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$2711,107$300,000
Additional Upgrades & Added Features$3391,107$375,000
Major Home Updates or Advancements$4071,107$450,000

It's important to understand that when you estimate your replacement cost of your home in the 01270 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 01270

Best Home & Auto Insurance Agencies in 01270

Housing Demographics for 01270

Population Review for 01270 Zip Code

For the city of Windsor, the population within 01270 has increased to over 712 residents in population size. The current population total is 755. We have broken down the population based on race below. In 01270, there are over 393 in male population and 362 females.

PopulationValues
Total Population755
White Population705
Black Population5
Hispanic Population17
Asian Population2
Hawaiian Population0
Indian Population0
Other Population3
Male Population393
Female Population362
Population Estimate712

Household Data for 01270

The average number of homes in 01270 is around 321, there are an average of 2.35 per household. The average house value according to local real estate values is around $300,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode321
Persons Per Household2.35
Average House Value$300,000
Income Per Household$99063
Median Age54.2
Median Age Male54.5
Median Age Female54.1
01270 DetailsValues
StateMA
State Full NameMassachusetts
City TypeN
City Alias Abbreviation
Area Code413
CityWindsor
City Alias NameWINDSOR
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 Businesses15
Number Of Employees44
Business First Quarter Payroll414
Business Annual Payroll1841
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 Residential303
Delivery Business10
Delivery Total556
Preferred Last Line Key018474
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key018474
Land Area32.250000
Water Area0.097000
City Alias Code
City Mixed CaseWindsor
City Alias Mixed CaseWindsor
Box Count42
SFDU303
MFDU0
State ANSI25
County ANSI003
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number241700
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 […]