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01432 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 01432 zip code it's important to know that our rates are very competitive for homeowners living in Ayer, MA. Many homeowners based out of your 01432 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Massachusetts licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 01432 should appear in the zip code field ready to go. For Ayer, MA Homeowners Insurance Quotes nearby, we offer the best rates and service.

01432: Average Home Insurance Rates

For homeowners living in the great city of Ayer, the average homeowners policy is considered very high in comparison to other states. Massachusetts premiums are estimated to be around $1206 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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01432 Home Insurance Average Premiums

Local 01432 homeowners insurance quotes comparison

$956 /yr.

Shows Zip Code: 01432 lowest rates with discounts applied on average.

For the 01432, 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)		$956 /yr.
Average Coverage:$1206 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1506 /yr.

What is the average home insurance cost for a home in 01432?

  • • The average homeowners insurance premium paid annually for a home in 01432 is around $1206 per year.

What does it cost on average per month for home insurance in 01432?

  • • Homeowners in 01432 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 01432?

  • • Autoowners in 01432 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 Ayer area, check out other zip codes nearby 01432.
Review average rates in another zip code:
01432 homeowners insurance rates

Home Replacement Cost Coverage in 01432

Average Building Cost Per Square Foot in 01432: $271

Location: Ayer, Massachusetts (Middlesex County)

Average Square Footage in 01432: 1,237 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01432 before you start any project. Ayer 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 01432 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 01432 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,237 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 Ayer 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$2711,237$335,200
Additional Upgrades & Added Features$3391,237$419,000
Major Home Updates or Advancements$4071,237$502,800

It's important to understand that when you estimate your replacement cost of your home in the 01432 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 01432

Best Home & Auto Insurance Agencies in 01432

David Brown Agencies

Address: 34 E Main St Ayer, MA 01432
Phone:
Website:
Info:

Housing Demographics for 01432

Population Review for 01432 Zip Code

For the city of Ayer, the population within 01432 has increased to over 8,337 residents in population size. The current population total is 8,221. We have broken down the population based on race below. In 01432, there are over 4106 in male population and 4115 females.

PopulationValues
Total Population8,221
White Population6461
Black Population368
Hispanic Population514
Asian Population423
Hawaiian Population4
Indian Population16
Other Population246
Male Population4106
Female Population4115
Population Estimate8337

Household Data for 01432

The average number of homes in 01432 is around 3,556, there are an average of 2.27 per household. The average house value according to local real estate values is around $335,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,556
Persons Per Household2.27
Average House Value$335,200
Income Per Household$97097
Median Age42.5
Median Age Male41.0
Median Age Female44.2
01432 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code978
CityAyer
City Alias NameAYER
CountyMiddlesex
County FIPS017
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA1120
CSA148
CBSA14460
CBSA_DIV15764
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NameBoston, MA-NH PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses227
Number Of Employees4053
Business First Quarter Payroll63774
Business Annual Payroll274300
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4552402
CBSA Division Population2246244
Congressional District03
Congressional LandArea757.86
Delivery Residential3673
Delivery Business284
Delivery Total4113
Preferred Last Line KeyV21444
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV21444
Land Area8.520000
Water Area0.490000
City Alias Code
City Mixed CaseAyer
City Alias Mixed CaseAyer
Box Count97
SFDU2714
MFDU366
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number240391
Unique ZIP Name
SSA State County Code22090
Medicare CBSA Code15764
Medicare CBSA NameCambridge-Newton-Framingham, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseMiddlesex

Massachusetts Homeowners Insurance News & Information

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