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02813 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 02813? There are over 3,554 occupied homes in the 02813 area. With a population size of 8,021, it's not uncommon for residence of Charlestown, RI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Rhode Island is around $1,300 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 02813 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Charlestown, RI Home Insurance Rate Quotes

02813 Home Insurance Average Premiums

Local 02813 homeowners insurance quotes comparison

$1050 /yr.

Shows Zip Code: 02813 lowest rates with discounts applied on average.

For the 02813, 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)		$1050 /yr.
Average Coverage:$1300 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1600 /yr.

What is the average home insurance cost for a home in 02813?

  • • The average homeowners insurance premium paid annually for a home in 02813 is around $1300 per year.

What does it cost on average per month for home insurance in 02813?

  • • Homeowners in 02813 pay a monthly average cost per month around $108.00.

What kind of discount could I get if I combine my home and auto insurance together in 02813?

  • • Autoowners in 02813 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 Charlestown area, check out other zip codes nearby 02813.
Review average rates in another zip code:
02813 homeowners insurance rates

Home Replacement Cost Coverage in 02813

Average Building Cost Per Square Foot in 02813: $210

Location: Charlestown, Rhode Island (Washington County)

Average Square Footage in 02813: 1,733 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02813 before you start any project. Charlestown homeowners pay on average around $210 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 02813 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 02813 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,733 sq. ft. and the average cost to rebuild the home in this area is around $210 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 Charlestown 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$2101,733$363,900
Additional Upgrades & Added Features$2631,733$454,875
Major Home Updates or Advancements$3151,733$545,850

It's important to understand that when you estimate your replacement cost of your home in the 02813 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 02813

Best Home & Auto Insurance Agencies in 02813

Housing Demographics for 02813

Population Review for 02813 Zip Code

For the city of Charlestown, the population within 02813 has increased to over 9,340 residents in population size. The current population total is 8,021. We have broken down the population based on race below. In 02813, there are over 3985 in male population and 4036 females.

PopulationValues
Total Population8,021
White Population7368
Black Population37
Hispanic Population152
Asian Population50
Hawaiian Population1
Indian Population112
Other Population57
Male Population3985
Female Population4036
Population Estimate9340

Household Data for 02813

The average number of homes in 02813 is around 3,554, there are an average of 2.24 per household. The average house value according to local real estate values is around $363,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,554
Persons Per Household2.24
Average House Value$363,900
Income Per Household$86023
Median Age53.3
Median Age Male52.3
Median Age Female54.3
02813 DetailsValues
StateRI
State Full NameRhode Island
City TypeP
City Alias Abbreviation
Area Code401
CityCharlestown
City Alias NameCHARLESTOWN
CountyWashington
County FIPS009
State FIPS44
Time Zone5
Day Light SavingY
MSA6480
PMSA
CSA148
CBSA39300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameProvidence-Warwick, RI-MA
MSA_NameProvidence-Fall River-Warwick, RI-MA MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses191
Number Of Employees876
Business First Quarter Payroll8687
Business Annual Payroll45970
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1600852
CBSA Division Population0
Congressional District02
Congressional LandArea765.32
Delivery Residential4170
Delivery Business108
Delivery Total4983
Preferred Last Line KeyV25854
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25854
Land Area36.695000
Water Area5.496000
City Alias Code
City Mixed CaseCharlestown
City Alias Mixed CaseCharlestown
Box Count587
SFDU3649
MFDU0
State ANSI44
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number431960
Unique ZIP Name
SSA State County Code41050
Medicare CBSA Code39300
Medicare CBSA NameProvidence-Warwick, RI-MA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseWashington

Rhode Island 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 […]