Get multiple home insurance quotes in 01778. Our licensed 01778, MA agents are ready to serve you.

Compare 01778 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 01778 area? The average homeowners premium in Massachusetts for a standard homeowners policy is around $1,268/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 01778 zip code, the population size is around 14,132 with 5,063 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 01778.

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 Wayland, MA Homeowners Insurance. Compare companies, quotes, coverages and more.

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

01778 Home Insurance Average Premiums

Local 01778 homeowners insurance quotes comparison

$1018 /yr.

Shows Zip Code: 01778 lowest rates with discounts applied on average.

For the 01778, 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 01778?

  • • The average homeowners insurance premium paid annually for a home in 01778 is around $1268 per year.

What does it cost on average per month for home insurance in 01778?

  • • Homeowners in 01778 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 01778?

  • • Autoowners in 01778 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 Wayland area, check out other zip codes nearby 01778.
Review average rates in another zip code:
01778 homeowners insurance rates

Home Replacement Cost Coverage in 01778

Average Building Cost Per Square Foot in 01778: $271

Location: Wayland, Massachusetts (Middlesex County)

Average Square Footage in 01778: 2,819 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01778 before you start any project. Wayland 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 01778 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 01778 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,819 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 Wayland 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$2712,819$763,900
Additional Upgrades & Added Features$3392,819$954,875
Major Home Updates or Advancements$4072,819$1,145,850

It's important to understand that when you estimate your replacement cost of your home in the 01778 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 01778

Best Home & Auto Insurance Agencies in 01778

Housing Demographics for 01778

Population Review for 01778 Zip Code

For the city of Wayland, the population within 01778 has increased to over 15,093 residents in population size. The current population total is 14,132. We have broken down the population based on race below. In 01778, there are over 6830 in male population and 7302 females.

PopulationValues
Total Population14,132
White Population10935
Black Population142
Hispanic Population557
Asian Population1907
Hawaiian Population6
Indian Population11
Other Population163
Male Population6830
Female Population7302
Population Estimate15093

Household Data for 01778

The average number of homes in 01778 is around 5,063, there are an average of 2.77 per household. The average house value according to local real estate values is around $763,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,063
Persons Per Household2.77
Average House Value$763,900
Income Per Household$203125
Median Age45.2
Median Age Male44.3
Median Age Female45.8
01778 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code508/774
CityWayland
City Alias NameWAYLAND
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 Businesses367
Number Of Employees2979
Business First Quarter Payroll44020
Business Annual Payroll216704
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 District05
Congressional LandArea265.08
Delivery Residential5449
Delivery Business269
Delivery Total6390
Preferred Last Line KeyV22730
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV22730
Land Area15.031000
Water Area0.814000
City Alias Code
City Mixed CaseWayland
City Alias Mixed CaseWayland
Box Count146
SFDU4499
MFDU456
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number248483
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

  • 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 […]