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02054 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 02054 zip code it's important to know that our rates are very competitive for homeowners living in Millis, MA. Many homeowners based out of your 02054 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 home 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 02054 should appear in the zip code field ready to go. For Millis, MA Homeowners Insurance Quotes nearby, we offer the best rates and service.

02054: Average Home Insurance Rates

For homeowners living in the great city of Millis, the average homeowners policy is considered very high in comparison to other states. Massachusetts premiums are estimated to be around $1274 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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02054 Home Insurance Average Premiums

Local 02054 homeowners insurance quotes comparison

$1024 /yr.

Shows Zip Code: 02054 lowest rates with discounts applied on average.

For the 02054, 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)		$1024 /yr.
Average Coverage:$1274 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1574 /yr.

What is the average home insurance cost for a home in 02054?

  • • The average homeowners insurance premium paid annually for a home in 02054 is around $1274 per year.

What does it cost on average per month for home insurance in 02054?

  • • Homeowners in 02054 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 02054?

  • • Autoowners in 02054 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 Millis area, check out other zip codes nearby 02054.
Review average rates in another zip code:
02054 homeowners insurance rates

Home Replacement Cost Coverage in 02054

Average Building Cost Per Square Foot in 02054: $271

Location: Millis, Massachusetts (Norfolk County)

Average Square Footage in 02054: 1,699 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02054 before you start any project. Millis 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 02054 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 02054 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,699 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 Millis 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$2711,699$460,400
Additional Upgrades & Added Features$3391,699$575,500
Major Home Updates or Advancements$4071,699$690,600

It's important to understand that when you estimate your replacement cost of your home in the 02054 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 02054

Best Home & Auto Insurance Agencies in 02054

Housing Demographics for 02054

Population Review for 02054 Zip Code

For the city of Millis, the population within 02054 has increased to over 9,285 residents in population size. The current population total is 8,460. We have broken down the population based on race below. In 02054, there are over 4088 in male population and 4372 females.

PopulationValues
Total Population8,460
White Population7516
Black Population117
Hispanic Population290
Asian Population235
Hawaiian Population1
Indian Population18
Other Population105
Male Population4088
Female Population4372
Population Estimate9285

Household Data for 02054

The average number of homes in 02054 is around 3,286, there are an average of 2.56 per household. The average house value according to local real estate values is around $460,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,286
Persons Per Household2.56
Average House Value$460,400
Income Per Household$131138
Median Age44.6
Median Age Male43.5
Median Age Female45.6
02054 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code774/508
CityMillis
City Alias NameMILLIS
CountyNorfolk
County FIPS021
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA1120
CSA148
CBSA14460
CBSA_DIV14454
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 Businesses201
Number Of Employees1325
Business First Quarter Payroll11934
Business Annual Payroll61596
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 Population1887792
Congressional District04
Congressional LandArea668.27
Delivery Residential3627
Delivery Business175
Delivery Total4351
Preferred Last Line KeyV22072
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameBoston, MA
City State KeyV22072
Land Area12.033000
Water Area0.231000
City Alias Code
City Mixed CaseMillis
City Alias Mixed CaseMillis
Box Count102
SFDU2644
MFDU342
State ANSI25
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number244692
Unique ZIP Name
SSA State County Code22130
Medicare CBSA Code14454
Medicare CBSA NameBoston, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseNorfolk

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 […]