Get multiple home insurance quotes in 01886. Our licensed 01886, MA agents are ready to serve you.

Compare 01886 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 01886 area? The average homeowners premium in Massachusetts for a standard homeowners policy is around $1,308/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 01886 zip code, the population size is around 24,618 with 8,562 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 01886.

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

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

01886 Home Insurance Average Premiums

Local 01886 homeowners insurance quotes comparison

$1058 /yr.

Shows Zip Code: 01886 lowest rates with discounts applied on average.

For the 01886, 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)
$1058 /yr.
Average Coverage:$1308 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1608 /yr.

What is the average home insurance cost for a home in 01886?

  • • The average homeowners insurance premium paid annually for a home in 01886 is around $1308 per year.

What does it cost on average per month for home insurance in 01886?

  • • Homeowners in 01886 pay a monthly average cost per month around $109.00.

What kind of discount could I get if I combine my home and auto insurance together in 01886?

  • • Autoowners in 01886 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 Westford area, check out other zip codes nearby 01886.
Review average rates in another zip code:
01886 homeowners insurance rates

Home Replacement Cost Coverage in 01886

Average Building Cost Per Square Foot in 01886: $271

Location: Westford, Massachusetts (Middlesex County)

Average Square Footage in 01886: 2,180 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01886 before you start any project. Westford 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 01886 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 01886 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,180 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 Westford 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$2712,180$590,800
Additional Upgrades & Added Features$3392,180$738,500
Major Home Updates or Advancements$4072,180$886,200

It's important to understand that when you estimate your replacement cost of your home in the 01886 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 01886

Best Home & Auto Insurance Agencies in 01886

Housing Demographics for 01886

Population Review for 01886 Zip Code

For the city of Westford, the population within 01886 has increased to over 26,391 residents in population size. The current population total is 24,618. We have broken down the population based on race below. In 01886, there are over 12190 in male population and 12428 females.

PopulationValues
Total Population24,618
White Population17644
Black Population229
Hispanic Population633
Asian Population5279
Hawaiian Population3
Indian Population29
Other Population196
Male Population12190
Female Population12428
Population Estimate26391

Household Data for 01886

The average number of homes in 01886 is around 8,562, there are an average of 2.85 per household. The average house value according to local real estate values is around $590,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,562
Persons Per Household2.85
Average House Value$590,800
Income Per Household$161076
Median Age43.2
Median Age Male42.6
Median Age Female43.7
01886 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code978/351/508
CityWestford
City Alias NameWESTFORD
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 Businesses649
Number Of Employees9358
Business First Quarter Payroll245501
Business Annual Payroll1064522
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 Residential9260
Delivery Business574
Delivery Total10209
Preferred Last Line KeyV22811
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV22811
Land Area30.241000
Water Area1.118000
City Alias Code
City Mixed CaseWestford
City Alias Mixed CaseWestford
Box Count406
SFDU6838
MFDU1062
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number248908
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

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]