Compare quotes for your home in 02860! Compare the best 12 carriers in minutes.
02860 Homeowners Insurance Quotes & Rates
Pawtucket residents living within the 20,178 homes available in the zip code of 02860 are shopping online to compare cheaper and more affordable Pawtucket, RI home insurance rates. In the great city of Pawtucket, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Rhode Island is around $1,307 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 02860 zip code.
With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.
Let us help you shop and compare your 02860 home insurance rates today! Please give us a call now at 1-855-976-2656. For Pawtucket, RI Homeowners Insurance Quotes, Click to easily get started!
02860 Home Insurance Average Premiums
For the 02860, 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) | $1057 /yr. |
Average Coverage: | $1307 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1607 /yr. |
What is the average home insurance cost for a home in 02860?
- • The average homeowners insurance premium paid annually for a home in 02860 is around $1307 per year.
What does it cost on average per month for home insurance in 02860?
- • Homeowners in 02860 pay a monthly average cost per month around $109.00.
What kind of discount could I get if I combine my home and auto insurance together in 02860?
- • Autoowners in 02860 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 Pawtucket area, check out other zip codes nearby 02860.
Review average rates in another zip code:
02860 homeowners insurance rates
02861 homeowners insurance rates
Home Replacement Cost Coverage in 02860
Average Building Cost Per Square Foot in 02860: $210
Location: Pawtucket, Rhode Island (Providence County)Average Square Footage in 02860: 1,090 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 02860 before you start any project. Pawtucket 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 02860 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 02860 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,090 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 Pawtucket 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
---|---|---|---|
Basic Home Features | $210 | 1,090 | $228,800 |
Additional Upgrades & Added Features | $263 | 1,090 | $286,000 |
Major Home Updates or Advancements | $315 | 1,090 | $343,200 |
It's important to understand that when you estimate your replacement cost of your home in the 02860 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 02860
Affordable Insurance
Address: 44 East Ave. Pawtucket, RI 02860Phone: (401)725-2222
Website:
Pawtucket Mutual Insurance
Address: 25 Maple Street Pawtucket, RI 02860Phone: (401)725-5600
Website: www.pawtucketmutual.com
Best Home & Auto Insurance Agencies in 02860
Memorial Hospital of Rhode Island - Patient Billing- Blue Cross
Address: 111 Brewster St Pawtucket, RI 02860Phone:
Website:
Info:
Loiselle Insurance Agency
Address: 279 Dexter St Pawtucket, RI 02860Phone:
Website: http://www.providence.citysearch.com/profile/662005190/pawtucket_ri/loiselle_insurance_agency.html
Info:
Allstate Insurance Company - Dennis Hagerty
Address: 727 East Ave Pawtucket, RI 02860Phone:
Website: http://www.providence.citysearch.com/profile/external/608839330/pawtucket_ri/allstate_insurance_company_dennis_hagerty.html
Info:
Affordable Insurance
Address: 44 East Ave Pawtucket, RI 02860Phone:
Website:
Info:
Pawtucket Mutual Insurance
Address: 25 Maple St Pawtucket, RI 02860Phone:
Website: http://www.pawtucketmutual.com
Info:
Housing Demographics for 02860
Population Review for 02860 Zip Code
For the city of Pawtucket, the population within 02860 has increased to over 45,030 residents in population size. The current population total is 47,894. We have broken down the population based on race below. In 02860, there are over 22936 in male population and 24958 females.
Population | Values |
---|---|
Total Population | 47,894 |
White Population | 19455 |
Black Population | 7648 |
Hispanic Population | 13285 |
Asian Population | 773 |
Hawaiian Population | 29 |
Indian Population | 323 |
Other Population | 9183 |
Male Population | 22936 |
Female Population | 24958 |
Population Estimate | 45030 |
Household Data for 02860
The average number of homes in 02860 is around 20,178, there are an average of 2.35 per household. The average house value according to local real estate values is around $228,800. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 20,178 |
Persons Per Household | 2.35 |
Average House Value | $228,800 |
Income Per Household | $49357 |
Median Age | 36.4 |
Median Age Male | 35.6 |
Median Age Female | 37.1 |
02860 Details | Values |
---|---|
State | RI |
State Full Name | Rhode Island |
City Type | P |
City Alias Abbreviation | |
Area Code | 401 |
City | Pawtucket |
City Alias Name | PAWTUCKET |
County | Providence |
County FIPS | 007 |
State FIPS | 44 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | 6480 |
PMSA | |
CSA | 148 |
CBSA | 39300 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Providence-Warwick, RI-MA |
MSA_Name | Providence-Fall River-Warwick, RI-MA MSA |
PMSA_Name | |
Region | Northeast |
Division | New England |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 998 |
Number Of Employees | 11276 |
Business First Quarter Payroll | 111281 |
Business Annual Payroll | 506129 |
Business Employment Flag | |
Growth Rank | 0 |
Growth Housing Units 2003 | |
Growth Housing Units 2004 | |
Growth Increase Number | 0 |
Growth Increase Percentage | 0.0 |
Metropolitan Details | Values |
---|---|
CBSA Population | 1600852 |
CBSA Division Population | 0 |
Congressional District | 01 |
Congressional LandArea | 268.49 |
Delivery Residential | 19162 |
Delivery Business | 1508 |
Delivery Total | 20577 |
Preferred Last Line Key | V25929 |
Classification Code | |
Multi-County | |
CSA Name | Boston-Worcester-Providence, MA-RI-NH |
CBSA_DIV_Name | |
City State Key | V25929 |
Land Area | 5.338000 |
Water Area | 0.277000 |
City Alias Code | |
City Mixed Case | Pawtucket |
City Alias Mixed Case | Pawtucket |
Box Count | 0 |
SFDU | 12677 |
MFDU | 4705 |
State ANSI | 44 |
County ANSI | 007 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 436720 |
Unique ZIP Name | |
SSA State County Code | 41030 |
Medicare CBSA Code | 39300 |
Medicare CBSA Name | Providence-Warwick, RI-MA |
Medicare CBSA Type | Metro |
Market Rating Area ID | 1 |
County Mixed Case | Providence |
Rhode Island Homeowners Insurance News & Information
-
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 […]
-
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 […]