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02825 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 02825 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Foster, RI quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 02825.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 02825 and start shopping.

Quickly and Easily Compare Average Rates for 02825

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Foster, RI home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 02825

Homeowners in Foster are paying roughly $1331 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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02825 Home Insurance Average Premiums

Local 02825 homeowners insurance quotes comparison

$1081 /yr.

Shows Zip Code: 02825 lowest rates with discounts applied on average.

For the 02825, 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)		$1081 /yr.
Average Coverage:$1331 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1631 /yr.

What is the average home insurance cost for a home in 02825?

  • • The average homeowners insurance premium paid annually for a home in 02825 is around $1331 per year.

What does it cost on average per month for home insurance in 02825?

  • • Homeowners in 02825 pay a monthly average cost per month around $111.00.

What kind of discount could I get if I combine my home and auto insurance together in 02825?

  • • Autoowners in 02825 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 Foster area, check out other zip codes nearby 02825.
Review average rates in another zip code:
02825 homeowners insurance rates

Home Replacement Cost Coverage in 02825

Average Building Cost Per Square Foot in 02825: $210

Location: Foster, Rhode Island (Providence County)

Average Square Footage in 02825: 1,614 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02825 before you start any project. Foster 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 02825 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 02825 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,614 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 Foster 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$2101,614$338,900
Additional Upgrades & Added Features$2631,614$423,625
Major Home Updates or Advancements$3151,614$508,350

It's important to understand that when you estimate your replacement cost of your home in the 02825 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 02825

Best Home & Auto Insurance Agencies in 02825

Housing Demographics for 02825

Population Review for 02825 Zip Code

For the city of Foster, the population within 02825 has increased to over 5,369 residents in population size. The current population total is 5,265. We have broken down the population based on race below. In 02825, there are over 2657 in male population and 2608 females.

PopulationValues
Total Population5,265
White Population4922
Black Population32
Hispanic Population116
Asian Population47
Hawaiian Population1
Indian Population8
Other Population44
Male Population2657
Female Population2608
Population Estimate5369

Household Data for 02825

The average number of homes in 02825 is around 2,020, there are an average of 2.60 per household. The average house value according to local real estate values is around $338,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,020
Persons Per Household2.60
Average House Value$338,900
Income Per Household$97651
Median Age47.8
Median Age Male47.4
Median Age Female48.0
02825 DetailsValues
StateRI
State Full NameRhode Island
City TypeP
City Alias Abbreviation
Area Code401
CityFoster
City Alias NameFOSTER
CountyProvidence
County FIPS007
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 Businesses99
Number Of Employees278
Business First Quarter Payroll2297
Business Annual Payroll11987
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 Residential2065
Delivery Business55
Delivery Total2232
Preferred Last Line KeyV25881
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25881
Land Area55.037000
Water Area1.093000
City Alias Code
City Mixed CaseFoster
City Alias Mixed CaseFoster
Box Count80
SFDU2033
MFDU0
State ANSI44
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number433350
Unique ZIP Name
SSA State County Code41030
Medicare CBSA Code39300
Medicare CBSA NameProvidence-Warwick, RI-MA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseProvidence

Rhode Island 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 […]