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02109 Home Insurance Rates & Premiums

Did you know there are over 3,921 people living within the 02109 zip code area? There are over 2,102 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 02109.

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 $1,316 a year for a standard homeowners insurance policy in Boston. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Boston, MA Homeowners Insurance Quotes Online

02109 Home Insurance Average Premiums

Local 02109 homeowners insurance quotes comparison

$1066 /yr.

Shows Zip Code: 02109 lowest rates with discounts applied on average.

For the 02109, 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)
$1066 /yr.
Average Coverage:$1316 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1616 /yr.

What is the average home insurance cost for a home in 02109?

  • • The average homeowners insurance premium paid annually for a home in 02109 is around $1316 per year.

What does it cost on average per month for home insurance in 02109?

  • • Homeowners in 02109 pay a monthly average cost per month around $110.00.

What kind of discount could I get if I combine my home and auto insurance together in 02109?

  • • Autoowners in 02109 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 Boston area, check out other zip codes nearby 02109.
Review average rates in another zip code:
02210 homeowners insurance rates
02215 homeowners insurance rates
02109 homeowners insurance rates
02114 homeowners insurance rates
02163 homeowners insurance rates
02110 homeowners insurance rates
02116 homeowners insurance rates
02111 homeowners insurance rates
02108 homeowners insurance rates
02199 homeowners insurance rates

Home Replacement Cost Coverage in 02109

Average Building Cost Per Square Foot in 02109: $271

Location: Boston, Massachusetts (Suffolk County)

Average Square Footage in 02109: 2,924 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02109 before you start any project. Boston 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 02109 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 02109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,924 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 Boston 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$2712,924$792,500
Additional Upgrades & Added Features$3392,924$990,625
Major Home Updates or Advancements$4072,924$1,188,750

It's important to understand that when you estimate your replacement cost of your home in the 02109 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 02109

Hobbs Group Llc

Address: 15 Broad St Boston, MA 02109
Phone: (781)861-3808
Website:

Nancy Z Bender Insurance

Address: 31 Milk St Boston, MA 02109
Phone: (617)367-4900
Website:

Best Home & Auto Insurance Agencies in 02109

Fireman's Fund Insurance Company

Address: 50 Milk St Boston, MA 02109
Phone:
Website:
Info:

Hobbs Group Llc

Address: 15 Broad St Boston, MA 02109
Phone:
Website:
Info:

Nancy Z Bender Insurance

Address: 31 Milk St Boston, MA 02109
Phone:
Website:
Info:

Andrews, Dave Mr - Car Insurance Boston

Address: 60 State St Boston, MA 02109
Phone:
Website: http://www.car-insurance-boston.com/
Info:

Housing Demographics for 02109

Population Review for 02109 Zip Code

For the city of Boston, the population within 02109 has increased to over 4,272 residents in population size. The current population total is 3,921. We have broken down the population based on race below. In 02109, there are over 1923 in male population and 1998 females.

PopulationValues
Total Population3,921
White Population3308
Black Population75
Hispanic Population205
Asian Population238
Hawaiian Population1
Indian Population5
Other Population58
Male Population1923
Female Population1998
Population Estimate4272

Household Data for 02109

The average number of homes in 02109 is around 2,102, there are an average of 1.78 per household. The average house value according to local real estate values is around $792,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,102
Persons Per Household1.78
Average House Value$792,500
Income Per Household$156351
Median Age34.8
Median Age Male34.6
Median Age Female34.8
02109 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code617/857/781
CityBoston
City Alias NameBOSTON
CountySuffolk
County FIPS025
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 Businesses1340
Number Of Employees31428
Business First Quarter Payroll1451734
Business Annual Payroll4881380
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 District08
Congressional LandArea326.37
Delivery Residential2400
Delivery Business1310
Delivery Total3550
Preferred Last Line KeyV21508
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameBoston, MA
City State KeyV21508
Land Area0.170000
Water Area0.114000
City Alias Code
City Mixed CaseBoston
City Alias Mixed CaseBoston
Box Count0
SFDU188
MFDU2212
State ANSI25
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number240799
Unique ZIP Name
SSA State County Code22160
Medicare CBSA Code14454
Medicare CBSA NameBoston, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseSuffolk

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 […]