Get multiple home insurance quotes in 01354. Our licensed 01354, MA agents are ready to serve you.

Compare 01354 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Gill just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 608 neighbors looking to save on their home insurance policy in the local 01354 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 01354. 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 Gill, 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 Gill, MA

01354 Home Insurance Average Premiums

Local 01354 homeowners insurance quotes comparison

$1018 /yr.

Shows Zip Code: 01354 lowest rates with discounts applied on average.

For the 01354, 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)		$1018 /yr.
Average Coverage:$1268 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1568 /yr.

What is the average home insurance cost for a home in 01354?

  • • The average homeowners insurance premium paid annually for a home in 01354 is around $1268 per year.

What does it cost on average per month for home insurance in 01354?

  • • Homeowners in 01354 pay a monthly average cost per month around $106.00.

What kind of discount could I get if I combine my home and auto insurance together in 01354?

  • • Autoowners in 01354 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 Gill area, check out other zip codes nearby 01354.
Review average rates in another zip code:
01354 homeowners insurance rates

Home Replacement Cost Coverage in 01354

Average Building Cost Per Square Foot in 01354: $271

Location: Gill, Massachusetts (Franklin County)

Average Square Footage in 01354: 995 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01354 before you start any project. Gill 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 01354 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 01354 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 995 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 Gill 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$271995$269,600
Additional Upgrades & Added Features$339995$337,000
Major Home Updates or Advancements$407995$404,400

It's important to understand that when you estimate your replacement cost of your home in the 01354 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 01354

Best Home & Auto Insurance Agencies in 01354

Housing Demographics for 01354

Population Review for 01354 Zip Code

For the city of Gill, the population within 01354 has increased to over 1,373 residents in population size. The current population total is 1,546. We have broken down the population based on race below. In 01354, there are over 824 in male population and 722 females.

PopulationValues
Total Population1,546
White Population1367
Black Population16
Hispanic Population52
Asian Population23
Hawaiian Population2
Indian Population5
Other Population23
Male Population824
Female Population722
Population Estimate1373

Household Data for 01354

The average number of homes in 01354 is around 608, there are an average of 2.30 per household. The average house value according to local real estate values is around $269,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode608
Persons Per Household2.30
Average House Value$269,600
Income Per Household$72500
Median Age49.9
Median Age Male46.8
Median Age Female51.8
01354 DetailsValues
StateMA
State Full NameMassachusetts
City TypeN
City Alias Abbreviation
Area Code413
CityGill
City Alias NameGILL
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 Businesses17
Number Of Employees273
Business First Quarter Payroll1723
Business Annual Payroll9070
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 Residential597
Delivery Business31
Delivery Total669
Preferred Last Line KeyV21817
Classification Code
Multi-County
CSA NameSpringfield-Amherst Town-Northampton, MA
CBSA_DIV_Name
City State KeyV21817
Land Area13.749000
Water Area1.294000
City Alias Code
City Mixed CaseGill
City Alias Mixed CaseGill
Box Count0
SFDU547
MFDU0
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

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]