Get multiple home insurance quotes in 02108. Our licensed 02108, MA agents are ready to serve you.

Compare 02108 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 02108 area? The average homeowners premium in Massachusetts for a standard homeowners policy is around $1,107/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 02108 zip code, the population size is around 4,228 with 1,993 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 02108.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Boston, MA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. MA RateDiscountsSavingsShop Rates
$1,667up to 40% off$667

02108 Home Insurance Average Premiums

Local 02108 homeowners insurance quotes comparison

$857 /yr.

Shows Zip Code: 02108 lowest rates with discounts applied on average.

For the 02108, 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)		$857 /yr.
Average Coverage:$1107 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1407 /yr.

What is the average home insurance cost for a home in 02108?

  • • The average homeowners insurance premium paid annually for a home in 02108 is around $1107 per year.

What does it cost on average per month for home insurance in 02108?

  • • Homeowners in 02108 pay a monthly average cost per month around $92.00.

What kind of discount could I get if I combine my home and auto insurance together in 02108?

  • • Autoowners in 02108 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 Boston, check out other zip codes nearby 02108.
To review average rates in another zip code, click on a zip code below:
02108  |  02114  |  02115  |  02210  |  02113  |  02199  |  02118  |  02215  |  02110  |  02116  | 

Home Replacement Cost Coverage in 02108

Average Building Cost Per Square Foot in 02108: $271

Location: Boston, Massachusetts (Suffolk County)

Average Square Footage in 02108: 7,380 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02108 before you start any project. Boston 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 02108 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 02108 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 7,380 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 Boston 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$2717,380$2,000,000
Additional Upgrades & Added Features$3397,380$2,500,000
Major Home Updates or Advancements$4077,380$3,000,000

It's important to understand that when you estimate your replacement cost of your home in the 02108 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 02108

Best Home & Auto Insurance Agencies in 02108

Breakstone, White & Gluck, PC

Address: 2 Center Plz, Ste 530 Boston, MA 02108
Phone:
Website: http://www.bwglaw.com/
Info:

Auto Insurance

Address: 73 Tremont St, Ste 774 Boston, MA 02108
Phone:
Website: http://www.autoinsurancecoinc.com/
Info:

Marshall Insurance Agency

Address: 331 Washington St Boston, MA 02108
Phone:
Website:
Info:

Housing Demographics for 02108

Population Review for 02108 Zip Code

For the city of Boston, the population within 02108 has increased to over 3,940 residents in population size. The current population total is 4,228. We have broken down the population based on race below. In 02108, there are over 2160 in male population and 2068 females.

PopulationValues
Total Population4,228
White Population3483
Black Population140
Hispanic Population256
Asian Population256
Hawaiian Population0
Indian Population11
Other Population80
Male Population2160
Female Population2068
Population Estimate3940

Household Data for 02108

The average number of homes in 02108 is around 1,993, there are an average of 1.80 per household. The average house value according to local real estate values is around $2,000,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,993
Persons Per Household1.80
Average House Value$2,000,000
Income Per Household$151793
Median Age37.2
Median Age Male39.1
Median Age Female35.9
02108 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code857/617/339/508/781
CityBoston
City Alias NameBOSTON
CountySuffolk
County FIPS025
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA1120
CSA148
CBSA14460
CBSA_DIV14454
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NameBoston, MA-NH PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1087
Number Of Employees19066
Business First Quarter Payroll594518
Business Annual Payroll2139545
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 Population1887792
Congressional District08
Congressional LandArea326.37
Delivery Residential2189
Delivery Business1158
Delivery Total3807
Preferred Last Line KeyV21508
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameBoston, MA
City State KeyV21508
Land Area0.274000
Water Area0.006000
City Alias Code
City Mixed CaseBoston
City Alias Mixed CaseBoston
Box Count0
SFDU423
MFDU1766
State ANSI25
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number240799
Unique ZIP Name
SSA State County Code22160
Medicare CBSA Code14454
Medicare CBSA NameBoston, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseSuffolk

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.  […]