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If you live in the 02920 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Cranston have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our RI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 02920 and then compare quotes from a variety of nationwide insurance companies.
02920 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 02920 the average premium for homeowners coverage is $1374 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 02920. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Cranston, RI home insurance quotes in your area.
02920 Home Insurance Average Premiums
$1124 /yr.
Shows Zip Code: 02920 lowest rates with discounts applied on average.
For the 02920, 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) | $1124 /yr. |
| Average Coverage: | $1374 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1674 /yr. |
What is the average home insurance cost for a home in 02920?
- • The average homeowners insurance premium paid annually for a home in 02920 is around $1374 per year.
What does it cost on average per month for home insurance in 02920?
- • Homeowners in 02920 pay a monthly average cost per month around $115.00.
What kind of discount could I get if I combine my home and auto insurance together in 02920?
- • Autoowners in 02920 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 Cranston area, check out other zip codes nearby 02920.
Review average rates in another zip code:
02920 homeowners insurance rates
02910 homeowners insurance rates
02921 homeowners insurance rates
Home Replacement Cost Coverage in 02920
Average Building Cost Per Square Foot in 02920: $210
Location: Cranston, Rhode Island (Providence County)Average Square Footage in 02920: 1,308 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 02920 before you start any project. Cranston 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 02920 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 02920 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,308 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 Cranston 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 | 1,308 | $274,700 |
| Additional Upgrades & Added Features | $263 | 1,308 | $343,375 |
| Major Home Updates or Advancements | $315 | 1,308 | $412,050 |
It's important to understand that when you estimate your replacement cost of your home in the 02920 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 02920
Allstate Insurance - Souky V. Litthisack
Address: 1723 Cranston Street Cranston, RI 02920Phone: (401)944-4800
Website:
Best Home & Auto Insurance Agencies in 02920
Paul C Pusateri - Nationwide Insurance
Address: 471 Atwood Ave Cranston, RI 02920Phone:
Website: http://www.providence.citysearch.com/profile/external/9087949/cranston_ri/paul_c_pusateri_nationwide_insurance.html
Info:
Allstate Insurance - Souky V. Litthisack
Address: 1723 Cranston St Cranston, RI 02920Phone:
Website:
Info:
Allstate Insurance Company - Jason Ialongo
Address: 63 Sockanosset Cross Rd Cranston, RI 02920Phone:
Website: http://www.allstateagencies.com/004191?cid=OTC-YP.com-IYP&att=TL
Info:
ABZ Insurance Incorporated
Address: 1107 Pontiac Ave Cranston, RI 02920Phone:
Website: http://www.abzinsurance.com/
Info:
Allstate Insurance Company - Gregg Larson
Address: 815 Oaklawn Ave Cranston, RI 02920Phone:
Website: http://www.allstateagencies.com/GLarson/Welcome/
Info:
Housing Demographics for 02920
Population Review for 02920 Zip Code
For the city of Cranston, the population within 02920 has increased to over 35,399 residents in population size. The current population total is 37,791. We have broken down the population based on race below. In 02920, there are over 19038 in male population and 18753 females.
| Population | Values |
|---|---|
| Total Population | 37,791 |
| White Population | 25591 |
| Black Population | 2231 |
| Hispanic Population | 7628 |
| Asian Population | 2339 |
| Hawaiian Population | 21 |
| Indian Population | 252 |
| Other Population | 4320 |
| Male Population | 19038 |
| Female Population | 18753 |
| Population Estimate | 35399 |
Household Data for 02920
The average number of homes in 02920 is around 14,974, there are an average of 2.34 per household. The average house value according to local real estate values is around $274,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 14,974 |
| Persons Per Household | 2.34 |
| Average House Value | $274,700 |
| Income Per Household | $68794 |
| Median Age | 42.3 |
| Median Age Male | 40.0 |
| Median Age Female | 45.3 |
| 02920 Details | Values |
|---|---|
| State | RI |
| State Full Name | Rhode Island |
| City Type | B |
| City Alias Abbreviation | |
| Area Code | 401 |
| City | Cranston |
| City Alias Name | CRANSTON |
| 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 | 1229 |
| Number Of Employees | 16000 |
| Business First Quarter Payroll | 189514 |
| Business Annual Payroll | 825992 |
| 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 | 02 |
| Congressional LandArea | 765.32 |
| Delivery Residential | 15128 |
| Delivery Business | 1396 |
| Delivery Total | 18240 |
| Preferred Last Line Key | V25860 |
| Classification Code | |
| Multi-County | |
| CSA Name | Boston-Worcester-Providence, MA-RI-NH |
| CBSA_DIV_Name | |
| City State Key | V25860 |
| Land Area | 8.948000 |
| Water Area | 0.223000 |
| City Alias Code | |
| City Mixed Case | Cranston |
| City Alias Mixed Case | Cranston |
| Box Count | 300 |
| SFDU | 11723 |
| MFDU | 1657 |
| State ANSI | 44 |
| County ANSI | 007 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | B |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 437140 |
| 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
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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 […]
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Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]