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01983 Home Insurance Rates & Premiums

Did you know there are over 6,569 people living within the 01983 zip code area? There are over 2,260 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 01983.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Massachusetts are on the rise. The estimated average premium is around $1,265 a year for a standard homeowners insurance policy in Topsfield. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Topsfield, MA Homeowners Insurance Quotes Online

01983 Home Insurance Average Premiums

Local 01983 homeowners insurance quotes comparison

$1015 /yr.

Shows Zip Code: 01983 lowest rates with discounts applied on average.

For the 01983, 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)		$1015 /yr.
Average Coverage:$1265 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1565 /yr.

What is the average home insurance cost for a home in 01983?

  • • The average homeowners insurance premium paid annually for a home in 01983 is around $1265 per year.

What does it cost on average per month for home insurance in 01983?

  • • Homeowners in 01983 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 01983?

  • • Autoowners in 01983 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 Topsfield area, check out other zip codes nearby 01983.
Review average rates in another zip code:
01983 homeowners insurance rates

Home Replacement Cost Coverage in 01983

Average Building Cost Per Square Foot in 01983: $271

Location: Topsfield, Massachusetts (Essex County)

Average Square Footage in 01983: 2,409 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01983 before you start any project. Topsfield 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 01983 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 01983 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,409 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 Topsfield 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$2712,409$652,900
Additional Upgrades & Added Features$3392,409$816,125
Major Home Updates or Advancements$4072,409$979,350

It's important to understand that when you estimate your replacement cost of your home in the 01983 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 01983

Best Home & Auto Insurance Agencies in 01983

Housing Demographics for 01983

Population Review for 01983 Zip Code

For the city of Topsfield, the population within 01983 has increased to over 6,517 residents in population size. The current population total is 6,569. We have broken down the population based on race below. In 01983, there are over 3159 in male population and 3410 females.

PopulationValues
Total Population6,569
White Population5946
Black Population44
Hispanic Population270
Asian Population118
Hawaiian Population1
Indian Population11
Other Population52
Male Population3159
Female Population3410
Population Estimate6517

Household Data for 01983

The average number of homes in 01983 is around 2,260, there are an average of 2.83 per household. The average house value according to local real estate values is around $652,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,260
Persons Per Household2.83
Average House Value$652,900
Income Per Household$155208
Median Age46.6
Median Age Male46.0
Median Age Female47.4
01983 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code978
CityTopsfield
City Alias NameTOPSFIELD
CountyEssex
County FIPS009
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 Businesses223
Number Of Employees1743
Business First Quarter Payroll27882
Business Annual Payroll135100
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 District06
Congressional LandArea526.79
Delivery Residential2303
Delivery Business300
Delivery Total2828
Preferred Last Line KeyV22650
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV22650
Land Area11.898000
Water Area0.902000
City Alias Code
City Mixed CaseTopsfield
City Alias Mixed CaseTopsfield
Box Count84
SFDU2019
MFDU200
State ANSI25
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number248160
Unique ZIP Name
SSA State County Code22040
Medicare CBSA Code15764
Medicare CBSA NameCambridge-Newton-Framingham, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseEssex

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 […]