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01610 Home Insurance Rates & Premiums

Did you know there are over 28,717 people living within the 01610 zip code area? There are over 8,935 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 01610.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Massachusetts are on the rise. The estimated average premium is around $1,277 a year for a standard homeowners insurance policy in Worcester. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Worcester, MA Homeowners Insurance Quotes Online

01610 Home Insurance Average Premiums

Local 01610 homeowners insurance quotes comparison

$1027 /yr.

Shows Zip Code: 01610 lowest rates with discounts applied on average.

For the 01610, 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)		$1027 /yr.
Average Coverage:$1277 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1577 /yr.

What is the average home insurance cost for a home in 01610?

  • • The average homeowners insurance premium paid annually for a home in 01610 is around $1277 per year.

What does it cost on average per month for home insurance in 01610?

  • • Homeowners in 01610 pay a monthly average cost per month around $106.00.

What kind of discount could I get if I combine my home and auto insurance together in 01610?

  • • Autoowners in 01610 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 Worcester, check out other zip codes nearby 01610.
To review average rates in another zip code, click on a zip code below:
01609  |  01605  |  01604  |  01603  |  01610  |  01607  |  01602  |  01608  |  01606  | 

Home Replacement Cost Coverage in 01610

Average Building Cost Per Square Foot in 01610: $271

Location: Worcester, Massachusetts (Worcester County)

Average Square Footage in 01610: 740 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01610 before you start any project. Worcester 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 01610 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 01610 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 740 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 Worcester 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$271740$200,600
Additional Upgrades & Added Features$339740$250,750
Major Home Updates or Advancements$407740$300,900

It's important to understand that when you estimate your replacement cost of your home in the 01610 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 01610

Best Home & Auto Insurance Agencies in 01610

Stephen W Gersh Insurance Agency Inc

Address: 466 Park Ave Worcester, MA 01610
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New Main Street Insurance Agency

Address: 687 Main St Worcester, MA 01610
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New Main Street Ins Agcy

Address: 685 Main St Worcester, MA 01610
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Housing Demographics for 01610

Population Review for 01610 Zip Code

For the city of Worcester, the population within 01610 has increased to over 20,203 residents in population size. The current population total is 28,717. We have broken down the population based on race below. In 01610, there are over 13934 in male population and 14783 females.

PopulationValues
Total Population28,717
White Population11768
Black Population4417
Hispanic Population11112
Asian Population2356
Hawaiian Population18
Indian Population196
Other Population6248
Male Population13934
Female Population14783
Population Estimate20203

Household Data for 01610

The average number of homes in 01610 is around 8,935, there are an average of 2.67 per household. The average house value according to local real estate values is around $200,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,935
Persons Per Household2.67
Average House Value$200,600
Income Per Household$35642
Median Age26.4
Median Age Male26.6
Median Age Female26.2
01610 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code508/774
CityWorcester
City Alias NameWORCESTER
CountyWorcester
County FIPS027
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA9240
CSA148
CBSA49340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWorcester, MA
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NameWorcester, MA-CT PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses377
Number Of Employees8274
Business First Quarter Payroll87803
Business Annual Payroll374567
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 Residential7567
Delivery Business545
Delivery Total8621
Preferred Last Line KeyV22863
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV22863
Land Area2.132000
Water Area0.005000
City Alias Code
City Mixed CaseWorcester
City Alias Mixed CaseWorcester
Box Count0
SFDU4875
MFDU2599
State ANSI25
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number249622
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.  […]