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Compare 01349 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 01349 area? The average homeowners premium in Massachusetts for a standard homeowners policy is around $1,251/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 01349 zip code, the population size is around 827 with 389 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 01349.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Millers Falls, MA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. MA RateDiscountsSavingsShop Rates
$1,667up to 40% off$667

01349 Home Insurance Average Premiums

Local 01349 homeowners insurance quotes comparison

$1001 /yr.

Shows Zip Code: 01349 lowest rates with discounts applied on average.

For the 01349, 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)
$1001 /yr.
Average Coverage:$1251 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1551 /yr.

What is the average home insurance cost for a home in 01349?

  • • The average homeowners insurance premium paid annually for a home in 01349 is around $1251 per year.

What does it cost on average per month for home insurance in 01349?

  • • Homeowners in 01349 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 01349?

  • • Autoowners in 01349 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 Millers Falls area, check out other zip codes nearby 01349.
Review average rates in another zip code:
01349 homeowners insurance rates

Home Replacement Cost Coverage in 01349

Average Building Cost Per Square Foot in 01349: $271

Location: Millers Falls, Massachusetts (Franklin County)

Average Square Footage in 01349: 878 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01349 before you start any project. Millers 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 01349 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 01349 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 878 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 Millers 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$271878$238,000
Additional Upgrades & Added Features$339878$297,500
Major Home Updates or Advancements$407878$357,000

It's important to understand that when you estimate your replacement cost of your home in the 01349 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 01349

Best Home & Auto Insurance Agencies in 01349

Housing Demographics for 01349

Population Review for 01349 Zip Code

For the city of Millers Falls, the population within 01349 has increased to over 779 residents in population size. The current population total is 827. We have broken down the population based on race below. In 01349, there are over 444 in male population and 383 females.

PopulationValues
Total Population827
White Population744
Black Population13
Hispanic Population33
Asian Population8
Hawaiian Population0
Indian Population0
Other Population8
Male Population444
Female Population383
Population Estimate779

Household Data for 01349

The average number of homes in 01349 is around 389, there are an average of 2.13 per household. The average house value according to local real estate values is around $238,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode389
Persons Per Household2.13
Average House Value$238,000
Income Per Household$63717
Median Age40.8
Median Age Male40.7
Median Age Female42.3
01349 DetailsValues
StateMA
State Full NameMassachusetts
City TypeN
City Alias Abbreviation
Area Code413
CityMillers Falls
City Alias NameMILLERS FALLS
CountyFranklin
County FIPS011
State FIPS25
Time Zone5
Day Light SavingY
MSA
PMSA
CSA521
CBSA24640
CBSA_DIV
CBSA_TypeMicro
CBSA_NameGreenfield, MA
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees24
Business First Quarter Payroll151
Business Annual Payroll869
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea1628
Delivery Residential366
Delivery Business18
Delivery Total393
Preferred Last Line KeyV22068
Classification Code
Multi-County
CSA NameSpringfield-Amherst Town-Northampton, MA
CBSA_DIV_Name
City State KeyV22068
Land Area9.870000
Water Area0.126000
City Alias Code
City Mixed CaseMillers Falls
City Alias Mixed CaseMillers Falls
Box Count6
SFDU356
MFDU9
State ANSI25
County ANSI011
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number248228
Unique ZIP Name
SSA State County Code22060
Medicare CBSA Code44140
Medicare CBSA NameSpringfield, MA
Medicare CBSA TypeMicro
Market Rating Area ID0
County Mixed CaseFranklin

Massachusetts Homeowners Insurance News & Information

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    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 […]