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01474, MA Homeowners Insurance Rates

With a population size of 2,072 and with 793 occupied homes in the 01474 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in West Townsend, MA are around $1,261 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in West Townsend, Massachusetts. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Massachusetts home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in West Townsend, MA.

For Massachusetts home insurance information, including average West Townsend home insurance rates, coverage options or the different homeowners insurance types, please select West Townsend, MA Home Insurance Quotes Now!

01474 Home Insurance Average Premiums

Local 01474 homeowners insurance quotes comparison

$1011 /yr.

Shows Zip Code: 01474 lowest rates with discounts applied on average.

For the 01474, 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)
$1011 /yr.
Average Coverage:$1261 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1561 /yr.

What is the average home insurance cost for a home in 01474?

  • • The average homeowners insurance premium paid annually for a home in 01474 is around $1261 per year.

What does it cost on average per month for home insurance in 01474?

  • • Homeowners in 01474 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 01474?

  • • Autoowners in 01474 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 West Townsend area, check out other zip codes nearby 01474.
Review average rates in another zip code:
01474 homeowners insurance rates

Home Replacement Cost Coverage in 01474

Average Building Cost Per Square Foot in 01474: $271

Location: West Townsend, Massachusetts (Middlesex County)

Average Square Footage in 01474: 1,201 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01474 before you start any project. West Townsend 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 01474 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 01474 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,201 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 West Townsend 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$2711,201$325,400
Additional Upgrades & Added Features$3391,201$406,750
Major Home Updates or Advancements$4071,201$488,100

It's important to understand that when you estimate your replacement cost of your home in the 01474 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 01474

Best Home & Auto Insurance Agencies in 01474

Housing Demographics for 01474

Population Review for 01474 Zip Code

For the city of West Townsend, the population within 01474 has increased to over 2,020 residents in population size. The current population total is 2,072. We have broken down the population based on race below. In 01474, there are over 967 in male population and 1105 females.

PopulationValues
Total Population2,072
White Population1857
Black Population6
Hispanic Population89
Asian Population25
Hawaiian Population0
Indian Population2
Other Population25
Male Population967
Female Population1105
Population Estimate2020

Household Data for 01474

The average number of homes in 01474 is around 793, there are an average of 2.61 per household. The average house value according to local real estate values is around $325,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode793
Persons Per Household2.61
Average House Value$325,400
Income Per Household$108068
Median Age44.8
Median Age Male44.1
Median Age Female45.3
01474 DetailsValues
StateMA
State Full NameMassachusetts
City TypeN
City Alias Abbreviation
Area Code978
CityWest Townsend
City Alias NameWEST TOWNSEND
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 Businesses27
Number Of Employees89
Business First Quarter Payroll990
Business Annual Payroll5204
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 Residential774
Delivery Business21
Delivery Total1006
Preferred Last Line KeyV22802
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV22802
Land Area11.090000
Water Area0.030000
City Alias Code
City Mixed CaseWest Townsend
City Alias Mixed CaseWest Townsend
Box Count19
SFDU729
MFDU0
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number248177
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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    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 […]