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01851 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 01851 zip code it's important to know that our rates are very competitive for homeowners living in Lowell, MA. Many homeowners based out of your 01851 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Massachusetts licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 01851 should appear in the zip code field ready to go. For Lowell, MA Homeowners Insurance Quotes nearby, we offer the best rates and service.

01851: Average Home Insurance Rates

For homeowners living in the great city of Lowell, the average homeowners policy is considered very high in comparison to other states. Massachusetts premiums are estimated to be around $1400 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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01851 Home Insurance Average Premiums

Local 01851 homeowners insurance quotes comparison

$1150 /yr.

Shows Zip Code: 01851 lowest rates with discounts applied on average.

For the 01851, 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)		$1150 /yr.
Average Coverage:$1400 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1700 /yr.

What is the average home insurance cost for a home in 01851?

  • • The average homeowners insurance premium paid annually for a home in 01851 is around $1400 per year.

What does it cost on average per month for home insurance in 01851?

  • • Homeowners in 01851 pay a monthly average cost per month around $117.00.

What kind of discount could I get if I combine my home and auto insurance together in 01851?

  • • Autoowners in 01851 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 Lowell, check out other zip codes nearby 01851.
To review average rates in another zip code, click on a zip code below:
01854  |  01850  |  01851  |  01852  | 

Home Replacement Cost Coverage in 01851

Average Building Cost Per Square Foot in 01851: $271

Location: Lowell, Massachusetts (Middlesex County)

Average Square Footage in 01851: 1,245 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01851 before you start any project. Lowell 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 01851 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 01851 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,245 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 Lowell 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$2711,245$337,300
Additional Upgrades & Added Features$3391,245$421,625
Major Home Updates or Advancements$4071,245$505,950

It's important to understand that when you estimate your replacement cost of your home in the 01851 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 01851

Leclerc Jean D Insurance Agency Inc

Address: 1006 Westford Street Lowell, MA 01851
Phone: (978)458-2600
Website:

Best Home & Auto Insurance Agencies in 01851

A-Affordable Insurance Agency, Incorporated

Address: 850 Chelmsford St Lowell, MA 01851
Phone:
Website: http://www.a-affordableinsurance.com/
Info:

A-Affordable Insurance Agency

Address: 1695 Middlesex St Lowell, MA 01851
Phone:
Website: http://www.a-affordableinsurance.com
Info:

George Gath Insurance Agency Incorporated

Address: 703 Chelmsford St Lowell, MA 01851
Phone:
Website: http://www.georgegathinsurance.com/
Info:

KK Insurance

Address: 508 Westford St Lowell, MA 01851
Phone:
Website: http://www.kkinsurancema.com/
Info:

Housing Demographics for 01851

Population Review for 01851 Zip Code

For the city of Lowell, the population within 01851 has increased to over 32,061 residents in population size. The current population total is 32,691. We have broken down the population based on race below. In 01851, there are over 16261 in male population and 16430 females.

PopulationValues
Total Population32,691
White Population10703
Black Population2775
Hispanic Population5331
Asian Population13412
Hawaiian Population11
Indian Population82
Other Population2836
Male Population16261
Female Population16430
Population Estimate32061

Household Data for 01851

The average number of homes in 01851 is around 10,643, there are an average of 2.97 per household. The average house value according to local real estate values is around $337,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,643
Persons Per Household2.97
Average House Value$337,300
Income Per Household$72133
Median Age34.2
Median Age Male33.3
Median Age Female35.1
01851 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code978/781
CityLowell
City Alias NameLOWELL
CountyMiddlesex
County FIPS017
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA4560
CSA148
CBSA14460
CBSA_DIV15764
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NameLowell, MA-NH PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses499
Number Of Employees12328
Business First Quarter Payroll311688
Business Annual Payroll1430966
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4552402
CBSA Division Population2246244
Congressional District03
Congressional LandArea757.86
Delivery Residential10795
Delivery Business781
Delivery Total11962
Preferred Last Line KeyV21994
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV21994
Land Area3.229000
Water Area0.112000
City Alias Code
City Mixed CaseLowell
City Alias Mixed CaseLowell
Box Count129
SFDU7469
MFDU2371
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number244148
Unique ZIP Name
SSA State County Code22090
Medicare CBSA Code15764
Medicare CBSA NameCambridge-Newton-Framingham, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseMiddlesex

Massachusetts Homeowners Insurance News & Information

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