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01094 Home Insurance Quotes & Rates

Currently, the 25 homes within the 01094 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Massachusetts is around $1,240 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Wheelwright, MA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 01094.

Massachusetts is now ranking #8 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Wheelwright home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Massachusetts has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 01094 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Wheelwright, Massachusetts home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Wheelwright, MA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

01094 Home Insurance Average Premiums

Local 01094 homeowners insurance quotes comparison

$990 /yr.

Shows Zip Code: 01094 lowest rates with discounts applied on average.

For the 01094, 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)
$990 /yr.
Average Coverage:$1240 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1540 /yr.

What is the average home insurance cost for a home in 01094?

  • • The average homeowners insurance premium paid annually for a home in 01094 is around $1240 per year.

What does it cost on average per month for home insurance in 01094?

  • • Homeowners in 01094 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 01094?

  • • Autoowners in 01094 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.

You can easily shop and compare home insurance rates within Wheelwright, check out other zip codes nearby 01094.
To review average rates in another zip code, click on a zip code below:
01094  | 

Home Replacement Cost Coverage in 01094

Average Building Cost Per Square Foot in 01094: $271

Location: Wheelwright, Massachusetts (Worcester County)

Average Square Footage in 01094: 1,272 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01094 before you start any project. Wheelwright homeowners pay on average around $271 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 01094 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 01094 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,272 sq. ft. and the average cost to rebuild the home in this area is around $271 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 Wheelwright 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$2711,272$344,700
Additional Upgrades & Added Features$3391,272$430,875
Major Home Updates or Advancements$4071,272$517,050

It's important to understand that when you estimate your replacement cost of your home in the 01094 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 01094

Best Home & Auto Insurance Agencies in 01094

Housing Demographics for 01094

Population Review for 01094 Zip Code

For the city of Wheelwright, the population within 01094 has increased to over 0 residents in population size. The current population total is 60. We have broken down the population based on race below. In 01094, there are over 36 in male population and 24 females.

PopulationValues
Total Population60
White Population57
Black Population1
Hispanic Population3
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population36
Female Population24
Population Estimate0

Household Data for 01094

The average number of homes in 01094 is around 25, there are an average of 2.40 per household. The average house value according to local real estate values is around $344,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode25
Persons Per Household2.40
Average House Value$344,700
Income Per Household$0
Median Age61.0
Median Age Male57.5
Median Age Female63.5
01094 DetailsValues
StateMA
State Full NameMassachusetts
City TypeZ
City Alias Abbreviation
Area Code774/508
CityWheelwright
City Alias NameWHEELWRIGHT
CountyWorcester
County FIPS027
State FIPS25
Time Zone5
Day Light SavingY
MSA
PMSA
CSA148
CBSA49340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWorcester, MA
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population798552
CBSA Division Population0
Congressional District02
Congressional LandArea1628
Delivery Residential0
Delivery Business0
Delivery Total142
Preferred Last Line KeyV22828
Classification CodeP
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV22828
Land Area0.720000
Water Area0.067000
City Alias Code
City Mixed CaseWheelwright
City Alias Mixed CaseWheelwright
Box Count135
SFDU0
MFDU0
State ANSI25
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number249350
Unique ZIP Name
SSA State County Code22170
Medicare CBSA Code49340
Medicare CBSA NameWorcester, MA-CT
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseWorcester

Massachusetts Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]