Get multiple home insurance quotes in 01854. Our licensed 01854, MA agents are ready to serve you.

01854 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 01854? Our rates are very competitive for homeowners living in Lowell, MA. Many homeowners based out of your 01854 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 homeowners 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 01854 should appear in the zip code field ready to go. For Lowell, MA Home Insurance Rate Quotes click to review the best rates and service online!

01854 Average Premium is Rated: Very High!

Homeowners living in 01854 can easily save up to 40% off the average home insurance premium of $1271 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Lowell that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 01854 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 01854!

01854 Home Insurance Average Premiums

Local 01854 homeowners insurance quotes comparison

$1021 /yr.

Shows Zip Code: 01854 lowest rates with discounts applied on average.

For the 01854, 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)		$1021 /yr.
Average Coverage:$1271 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1571 /yr.

What is the average home insurance cost for a home in 01854?

  • • The average homeowners insurance premium paid annually for a home in 01854 is around $1271 per year.

What does it cost on average per month for home insurance in 01854?

  • • Homeowners in 01854 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 01854?

  • • Autoowners in 01854 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 Lowell area, check out other zip codes nearby 01854.
Review average rates in another zip code:
01854 homeowners insurance rates
01851 homeowners insurance rates
01850 homeowners insurance rates
01852 homeowners insurance rates

Home Replacement Cost Coverage in 01854

Average Building Cost Per Square Foot in 01854: $271

Location: Lowell, Massachusetts (Middlesex County)

Average Square Footage in 01854: 1,059 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01854 before you start any project. Lowell 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 01854 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 01854 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,059 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 Lowell 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$2711,059$287,100
Additional Upgrades & Added Features$3391,059$358,875
Major Home Updates or Advancements$4071,059$430,650

It's important to understand that when you estimate your replacement cost of your home in the 01854 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 01854

Best Home & Auto Insurance Agencies in 01854

Falcons Insurance and Financial Services

Address: 28 Cabot St Lowell, MA 01854
Phone:
Website: http://www.falconsinsurance.com/
Info:

Housing Demographics for 01854

Population Review for 01854 Zip Code

For the city of Lowell, the population within 01854 has increased to over 25,476 residents in population size. The current population total is 29,561. We have broken down the population based on race below. In 01854, there are over 14846 in male population and 14715 females.

PopulationValues
Total Population29,561
White Population14929
Black Population2529
Hispanic Population6423
Asian Population5795
Hawaiian Population33
Indian Population98
Other Population3366
Male Population14846
Female Population14715
Population Estimate25476

Household Data for 01854

The average number of homes in 01854 is around 10,094, there are an average of 2.54 per household. The average house value according to local real estate values is around $287,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,094
Persons Per Household2.54
Average House Value$287,100
Income Per Household$58422
Median Age31.2
Median Age Male28.7
Median Age Female33.6
01854 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code978/351
CityLowell
City Alias NameLOWELL
CountyMiddlesex
County FIPS017
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA4560
CSA148
CBSA14460
CBSA_DIV15764
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NameLowell, MA-NH PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses298
Number Of Employees6452
Business First Quarter Payroll84844
Business Annual Payroll377681
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 Residential10030
Delivery Business464
Delivery Total10465
Preferred Last Line KeyV21994
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV21994
Land Area3.960000
Water Area0.455000
City Alias Code
City Mixed CaseLowell
City Alias Mixed CaseLowell
Box Count0
SFDU5670
MFDU2901
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number244148
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 […]