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02144 Home Insurance Rates & Premiums

Did you know there are over 25,497 people living within the 02144 zip code area? There are over 11,300 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 02144.

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 $1,321 a year for a standard homeowners insurance policy in Somerville. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Somerville, MA Homeowners Insurance Quotes Online

02144 Home Insurance Average Premiums

Local 02144 homeowners insurance quotes comparison

$1071 /yr.

Shows Zip Code: 02144 lowest rates with discounts applied on average.

For the 02144, 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)		$1071 /yr.
Average Coverage:$1321 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1621 /yr.

What is the average home insurance cost for a home in 02144?

  • • The average homeowners insurance premium paid annually for a home in 02144 is around $1321 per year.

What does it cost on average per month for home insurance in 02144?

  • • Homeowners in 02144 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 02144?

  • • Autoowners in 02144 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 Somerville area, check out other zip codes nearby 02144.
Review average rates in another zip code:
02145 homeowners insurance rates
02144 homeowners insurance rates
02143 homeowners insurance rates

Home Replacement Cost Coverage in 02144

Average Building Cost Per Square Foot in 02144: $271

Location: Somerville, Massachusetts (Middlesex County)

Average Square Footage in 02144: 2,935 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02144 before you start any project. Somerville 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 02144 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 02144 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,935 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 Somerville 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$2712,935$795,500
Additional Upgrades & Added Features$3392,935$994,375
Major Home Updates or Advancements$4072,935$1,193,250

It's important to understand that when you estimate your replacement cost of your home in the 02144 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 02144

Best Home & Auto Insurance Agencies in 02144

Housing Demographics for 02144

Population Review for 02144 Zip Code

For the city of Somerville, the population within 02144 has increased to over 23,528 residents in population size. The current population total is 25,497. We have broken down the population based on race below. In 02144, there are over 12350 in male population and 13147 females.

PopulationValues
Total Population25,497
White Population19422
Black Population1231
Hispanic Population1528
Asian Population2275
Hawaiian Population5
Indian Population38
Other Population587
Male Population12350
Female Population13147
Population Estimate23528

Household Data for 02144

The average number of homes in 02144 is around 11,300, there are an average of 2.23 per household. The average house value according to local real estate values is around $795,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,300
Persons Per Household2.23
Average House Value$795,500
Income Per Household$117601
Median Age30.8
Median Age Male30.7
Median Age Female30.9
02144 DetailsValues
StateMA
State Full NameMassachusetts
City TypeN
City Alias Abbreviation
Area Code617/857
CitySomerville
City Alias NameSOMERVILLE
CountyMiddlesex
County FIPS017
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 Businesses423
Number Of Employees4216
Business First Quarter Payroll72730
Business Annual Payroll361590
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 District05|07
Congressional LandArea265.08|62.67
Delivery Residential10551
Delivery Business488
Delivery Total11394
Preferred Last Line Key016722
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State Key016722
Land Area1.092000
Water Area0.009000
City Alias Code
City Mixed CaseSomerville
City Alias Mixed CaseSomerville
Box Count182
SFDU7691
MFDU2766
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number240070
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 […]