Compare quotes for your home in 02865! Compare the best 12 carriers in minutes.
Compare 02865 Home Insurance Rates Today!
Compare multiple home insurance rates for your home in Lincoln just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 7,087 neighbors looking to save on their home insurance policy in the local 02865 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 02865. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Rhode Island rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Lincoln, RI home insurance rates today!
For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Lincoln, RI
02865 Home Insurance Average Premiums
$1063 /yr.
Shows Zip Code: 02865 lowest rates with discounts applied on average.
For the 02865, 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) | $1063 /yr. |
| Average Coverage: | $1313 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1613 /yr. |
What is the average home insurance cost for a home in 02865?
- • The average homeowners insurance premium paid annually for a home in 02865 is around $1313 per year.
What does it cost on average per month for home insurance in 02865?
- • Homeowners in 02865 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 02865?
- • Autoowners in 02865 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 Lincoln area, check out other zip codes nearby 02865.
Review average rates in another zip code:
02865 homeowners insurance rates
Home Replacement Cost Coverage in 02865
Average Building Cost Per Square Foot in 02865: $210
Location: Lincoln, Rhode Island (Providence County)Average Square Footage in 02865: 1,751 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 02865 before you start any project. Lincoln 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 02865 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 02865 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,751 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 Lincoln 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 | 1,751 | $367,700 |
| Additional Upgrades & Added Features | $263 | 1,751 | $459,625 |
| Major Home Updates or Advancements | $315 | 1,751 | $551,550 |
It's important to understand that when you estimate your replacement cost of your home in the 02865 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 02865
Allstate Insurance-Judith J Ferra
Address: 180 Front St Lincoln, RI 02865Phone: (401)725-8150
Website: agent.allstate.com/10670
Best Home & Auto Insurance Agencies in 02865
Allstate Insurance-Judith J Ferra
Address: 180 Front St Lincoln, RI 02865Phone:
Website: http://www.agent.allstate.com/10670
Info:
Allstate Insurance Companies
Address: George Washington Hwy Lincoln, RI 02865Phone:
Website:
Info:
Banker's Life and Casualty CO
Address: 652 George Washington Hwy Lincoln, RI 02865Phone:
Website:
Info:
Housing Demographics for 02865
Population Review for 02865 Zip Code
For the city of Lincoln, the population within 02865 has increased to over 18,247 residents in population size. The current population total is 17,902. We have broken down the population based on race below. In 02865, there are over 8675 in male population and 9227 females.
| Population | Values |
|---|---|
| Total Population | 17,902 |
| White Population | 14933 |
| Black Population | 338 |
| Hispanic Population | 1170 |
| Asian Population | 812 |
| Hawaiian Population | 2 |
| Indian Population | 39 |
| Other Population | 481 |
| Male Population | 8675 |
| Female Population | 9227 |
| Population Estimate | 18247 |
Household Data for 02865
The average number of homes in 02865 is around 7,087, there are an average of 2.51 per household. The average house value according to local real estate values is around $367,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 7,087 |
| Persons Per Household | 2.51 |
| Average House Value | $367,700 |
| Income Per Household | $103934 |
| Median Age | 44.8 |
| Median Age Male | 43.5 |
| Median Age Female | 46.1 |
| 02865 Details | Values |
|---|---|
| State | RI |
| State Full Name | Rhode Island |
| City Type | B |
| City Alias Abbreviation | |
| Area Code | 401 |
| City | Lincoln |
| City Alias Name | LINCOLN |
| 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 | 595 |
| Number Of Employees | 13346 |
| Business First Quarter Payroll | 235714 |
| Business Annual Payroll | 859717 |
| 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 | 7270 |
| Delivery Business | 558 |
| Delivery Total | 9524 |
| Preferred Last Line Key | V25905 |
| Classification Code | |
| Multi-County | |
| CSA Name | Boston-Worcester-Providence, MA-RI-NH |
| CBSA_DIV_Name | |
| City State Key | V25905 |
| Land Area | 16.474000 |
| Water Area | 0.722000 |
| City Alias Code | |
| City Mixed Case | Lincoln |
| City Alias Mixed Case | Lincoln |
| Box Count | 151 |
| SFDU | 5944 |
| MFDU | 846 |
| State ANSI | 44 |
| County ANSI | 007 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | B |
| 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
-
2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
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 […]