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Home Insurance Rates in 02642

For homeowners shopping online in 02642, our insurance rates are very competitive for homeowners living in Eastham, MA. Many homeowners based out of the great city of Eastham 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 02642, simply click the "Get Multiple Quotes Now" button. Your 02642 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Eastham, MA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

02642 Home Insurance Rating is: Very High!

If you live in 02642, you can easily save up to 40% off the average home insurance premium of $1288 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 Eastham 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 02642 today!

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02642 Home Insurance Average Premiums

Local 02642 homeowners insurance quotes comparison

$1038 /yr.

Shows Zip Code: 02642 lowest rates with discounts applied on average.

For the 02642, 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)
$1038 /yr.
Average Coverage:$1288 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1588 /yr.

What is the average home insurance cost for a home in 02642?

  • • The average homeowners insurance premium paid annually for a home in 02642 is around $1288 per year.

What does it cost on average per month for home insurance in 02642?

  • • Homeowners in 02642 pay a monthly average cost per month around $107.00.

What kind of discount could I get if I combine my home and auto insurance together in 02642?

  • • Autoowners in 02642 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 Eastham area, check out other zip codes nearby 02642.
Review average rates in another zip code:
02642 homeowners insurance rates

Home Replacement Cost Coverage in 02642

Average Building Cost Per Square Foot in 02642: $271

Location: Eastham, Massachusetts (Barnstable County)

Average Square Footage in 02642: 1,908 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02642 before you start any project. Eastham 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 02642 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 02642 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,908 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 Eastham 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$2711,908$517,100
Additional Upgrades & Added Features$3391,908$646,375
Major Home Updates or Advancements$4071,908$775,650

It's important to understand that when you estimate your replacement cost of your home in the 02642 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 02642

Best Home & Auto Insurance Agencies in 02642

Housing Demographics for 02642

Population Review for 02642 Zip Code

For the city of Eastham, the population within 02642 has increased to over 5,694 residents in population size. The current population total is 5,752. We have broken down the population based on race below. In 02642, there are over 2702 in male population and 3050 females.

PopulationValues
Total Population5,752
White Population5213
Black Population190
Hispanic Population129
Asian Population42
Hawaiian Population0
Indian Population11
Other Population45
Male Population2702
Female Population3050
Population Estimate5694

Household Data for 02642

The average number of homes in 02642 is around 2,804, there are an average of 2.05 per household. The average house value according to local real estate values is around $517,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,804
Persons Per Household2.05
Average House Value$517,100
Income Per Household$76859
Median Age60.5
Median Age Male59.4
Median Age Female61.4
02642 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code508/774
CityEastham
City Alias NameEASTHAM
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 Businesses137
Number Of Employees450
Business First Quarter Payroll3837
Business Annual Payroll22501
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 Residential2778
Delivery Business121
Delivery Total3402
Preferred Last Line KeyV21749
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV21749
Land Area13.968000
Water Area3.403000
City Alias Code
City Mixed CaseEastham
City Alias Mixed CaseEastham
Box Count484
SFDU2690
MFDU0
State ANSI25
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number242108
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

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    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 […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]