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01368 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 01368 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 Royalston, MA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 01368.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 01368 and start shopping.

Quickly and Easily Compare Average Rates for 01368

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

Average Policy Rates in 01368

Homeowners in Royalston are paying roughly $1216 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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01368 Home Insurance Average Premiums

Local 01368 homeowners insurance quotes comparison

$966 /yr.

Shows Zip Code: 01368 lowest rates with discounts applied on average.

For the 01368, 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)		$966 /yr.
Average Coverage:$1216 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1516 /yr.

What is the average home insurance cost for a home in 01368?

  • • The average homeowners insurance premium paid annually for a home in 01368 is around $1216 per year.

What does it cost on average per month for home insurance in 01368?

  • • Homeowners in 01368 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 01368?

  • • Autoowners in 01368 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 Royalston, check out other zip codes nearby 01368.
To review average rates in another zip code, click on a zip code below:
01368  | 

Home Replacement Cost Coverage in 01368

Average Building Cost Per Square Foot in 01368: $271

Location: Royalston, Massachusetts (Worcester County)

Average Square Footage in 01368: 1,014 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01368 before you start any project. Royalston 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 01368 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 01368 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,014 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 Royalston 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$2711,014$274,700
Additional Upgrades & Added Features$3391,014$343,375
Major Home Updates or Advancements$4071,014$412,050

It's important to understand that when you estimate your replacement cost of your home in the 01368 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 01368

Best Home & Auto Insurance Agencies in 01368

Housing Demographics for 01368

Population Review for 01368 Zip Code

For the city of Royalston, the population within 01368 has increased to over 1,205 residents in population size. The current population total is 1,283. We have broken down the population based on race below. In 01368, there are over 661 in male population and 622 females.

PopulationValues
Total Population1,283
White Population1204
Black Population4
Hispanic Population25
Asian Population9
Hawaiian Population0
Indian Population1
Other Population3
Male Population661
Female Population622
Population Estimate1205

Household Data for 01368

The average number of homes in 01368 is around 516, there are an average of 2.49 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 DataValues
Households Per Zipcode516
Persons Per Household2.49
Average House Value$274,700
Income Per Household$89417
Median Age50.9
Median Age Male51.4
Median Age Female50.5
01368 DetailsValues
StateMA
State Full NameMassachusetts
City TypeC
City Alias Abbreviation
Area Code978/351
CityRoyalston
City Alias NameROYALSTON
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 Businesses6
Number Of Employees23
Business First Quarter Payroll176
Business Annual Payroll809
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 Residential484
Delivery Business11
Delivery Total518
Preferred Last Line KeyV22372
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV22372
Land Area44.322000
Water Area0.709000
City Alias Code
City Mixed CaseRoyalston
City Alias Mixed CaseRoyalston
Box Count0
SFDU484
MFDU0
State ANSI25
County ANSI027
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number240323
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

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • 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 […]