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Home Insurance Rates in 02538

For homeowners shopping online in 02538, our insurance rates are very competitive for homeowners living in East Wareham, MA. Many homeowners based out of the great city of East Wareham have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 02538, simply click the "Get Multiple Quotes Now" button. Your 02538 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. East Wareham, MA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

02538 Home Insurance Rating is: Very High!

If you live in 02538, you can easily save up to 40% off the average home insurance premium of $1253 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in East Wareham can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 02538 today!

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02538 Home Insurance Average Premiums

Local 02538 homeowners insurance quotes comparison

$1003 /yr.

Shows Zip Code: 02538 lowest rates with discounts applied on average.

For the 02538, 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)
$1003 /yr.
Average Coverage:$1253 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1553 /yr.

What is the average home insurance cost for a home in 02538?

  • • The average homeowners insurance premium paid annually for a home in 02538 is around $1253 per year.

What does it cost on average per month for home insurance in 02538?

  • • Homeowners in 02538 pay a monthly average cost per month around $104.00.

What kind of discount could I get if I combine my home and auto insurance together in 02538?

  • • Autoowners in 02538 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 East Wareham area, check out other zip codes nearby 02538.
Review average rates in another zip code:
02538 homeowners insurance rates

Home Replacement Cost Coverage in 02538

Average Building Cost Per Square Foot in 02538: $271

Location: East Wareham, Massachusetts (Plymouth County)

Average Square Footage in 02538: 1,044 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02538 before you start any project. East Wareham 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 02538 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 02538 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,044 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 East Wareham 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$2711,044$283,000
Additional Upgrades & Added Features$3391,044$353,750
Major Home Updates or Advancements$4071,044$424,500

It's important to understand that when you estimate your replacement cost of your home in the 02538 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 02538

Best Home & Auto Insurance Agencies in 02538

Housing Demographics for 02538

Population Review for 02538 Zip Code

For the city of East Wareham, the population within 02538 has increased to over 4,234 residents in population size. The current population total is 4,428. We have broken down the population based on race below. In 02538, there are over 2109 in male population and 2319 females.

PopulationValues
Total Population4,428
White Population3686
Black Population114
Hispanic Population188
Asian Population29
Hawaiian Population3
Indian Population30
Other Population129
Male Population2109
Female Population2319
Population Estimate4234

Household Data for 02538

The average number of homes in 02538 is around 1,877, there are an average of 2.35 per household. The average house value according to local real estate values is around $283,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,877
Persons Per Household2.35
Average House Value$283,000
Income Per Household$88152
Median Age43.2
Median Age Male41.1
Median Age Female44.5
02538 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code774
CityEast Wareham
City Alias NameEAST WAREHAM
CountyPlymouth
County FIPS023
State FIPS25
Time Zone5
Day Light SavingY
MSA
PMSA
CSA148
CBSA14460
CBSA_DIV14454
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses109
Number Of Employees1205
Business First Quarter Payroll9290
Business Annual Payroll42647
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 District09
Congressional LandArea1214.74
Delivery Residential1802
Delivery Business115
Delivery Total2620
Preferred Last Line KeyV21745
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameBoston, MA
City State KeyV21745
Land Area6.264000
Water Area0.751000
City Alias Code
City Mixed CaseEast Wareham
City Alias Mixed CaseEast Wareham
Box Count472
SFDU1251
MFDU275
State ANSI25
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number242431
Unique ZIP Name
SSA State County Code22150
Medicare CBSA Code14454
Medicare CBSA NameBoston, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CasePlymouth

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 […]