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02638 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 02638 zip code it's important to know that our rates are very competitive for homeowners living in Dennis, MA. Many homeowners based out of your 02638 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 02638 should appear in the zip code field ready to go. For Dennis, MA Homeowners Insurance Quotes nearby, we offer the best rates and service.

02638: Average Home Insurance Rates

For homeowners living in the great city of Dennis, the average homeowners policy is considered very high in comparison to other states. Massachusetts premiums are estimated to be around $1214 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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02638 Home Insurance Average Premiums

Local 02638 homeowners insurance quotes comparison

$964 /yr.

Shows Zip Code: 02638 lowest rates with discounts applied on average.

For the 02638, 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)		$964 /yr.
Average Coverage:$1214 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1514 /yr.

What is the average home insurance cost for a home in 02638?

  • • The average homeowners insurance premium paid annually for a home in 02638 is around $1214 per year.

What does it cost on average per month for home insurance in 02638?

  • • Homeowners in 02638 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 02638?

  • • Autoowners in 02638 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 Dennis area, check out other zip codes nearby 02638.
Review average rates in another zip code:
02638 homeowners insurance rates

Home Replacement Cost Coverage in 02638

Average Building Cost Per Square Foot in 02638: $271

Location: Dennis, Massachusetts (Barnstable County)

Average Square Footage in 02638: 2,024 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02638 before you start any project. Dennis 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 02638 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 02638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,024 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 Dennis 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$2712,024$548,400
Additional Upgrades & Added Features$3392,024$685,500
Major Home Updates or Advancements$4072,024$822,600

It's important to understand that when you estimate your replacement cost of your home in the 02638 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 02638

Best Home & Auto Insurance Agencies in 02638

Housing Demographics for 02638

Population Review for 02638 Zip Code

For the city of Dennis, the population within 02638 has increased to over 3,422 residents in population size. The current population total is 2,968. We have broken down the population based on race below. In 02638, there are over 1386 in male population and 1582 females.

PopulationValues
Total Population2,968
White Population2772
Black Population44
Hispanic Population51
Asian Population30
Hawaiian Population0
Indian Population3
Other Population29
Male Population1386
Female Population1582
Population Estimate3422

Household Data for 02638

The average number of homes in 02638 is around 1,490, there are an average of 1.99 per household. The average house value according to local real estate values is around $548,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,490
Persons Per Household1.99
Average House Value$548,400
Income Per Household$100063
Median Age64.2
Median Age Male63.4
Median Age Female64.7
02638 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code508/774
CityDennis
City Alias NameDENNIS
CountyBarnstable
County FIPS001
State FIPS25
Time Zone5
Day Light SavingY
MSA0740
PMSA
CSA148
CBSA12700
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBarnstable Town, MA
MSA_NameBarnstable-Yarmouth, MA MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses90
Number Of Employees393
Business First Quarter Payroll3782
Business Annual Payroll21860
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population215888
CBSA Division Population0
Congressional District09
Congressional LandArea1214.74
Delivery Residential1720
Delivery Business47
Delivery Total2486
Preferred Last Line KeyV21660
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV21660
Land Area5.636000
Water Area0.243000
City Alias Code
City Mixed CaseDennis
City Alias Mixed CaseDennis
Box Count694
SFDU1507
MFDU185
State ANSI25
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number241785
Unique ZIP Name
SSA State County Code22000
Medicare CBSA Code12700
Medicare CBSA NameBarnstable Town, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseBarnstable

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 […]