Compare quotes for your home in 02642! Compare the best 12 carriers in minutes.
Home Insurance Rates in 02642
For homeowners shopping online in 02642, our insurance rates are very competitive for homeowners living in Eastham, MA. Many homeowners based out of the great city of Eastham have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 02642, simply click the "Get Multiple Quotes Now" button. Your 02642 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Eastham, MA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
02642 Home Insurance Rating is: Very High!
If you live in 02642, you can easily save up to 40% off the average home insurance premium of $1288 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Eastham can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 02642 today!
02642 Home Insurance Average Premiums
$1038 /yr.
Shows Zip Code: 02642 lowest rates with discounts applied on average.
For the 02642, 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) | $1038 /yr. |
| Average Coverage: | $1288 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1588 /yr. |
What is the average home insurance cost for a home in 02642?
- • The average homeowners insurance premium paid annually for a home in 02642 is around $1288 per year.
What does it cost on average per month for home insurance in 02642?
- • Homeowners in 02642 pay a monthly average cost per month around $107.00.
What kind of discount could I get if I combine my home and auto insurance together in 02642?
- • Autoowners in 02642 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 Eastham, check out other zip codes nearby 02642.
To review average rates in another zip code, click on a zip code below:
02642 |
Home Replacement Cost Coverage in 02642
Average Building Cost Per Square Foot in 02642: $271
Location: Eastham, Massachusetts (Barnstable County)Average Square Footage in 02642: 1,908 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 02642 before you start any project. Eastham 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 02642 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 02642 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,908 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 Eastham 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $271 | 1,908 | $517,100 |
| Additional Upgrades & Added Features | $339 | 1,908 | $646,375 |
| Major Home Updates or Advancements | $407 | 1,908 | $775,650 |
It's important to understand that when you estimate your replacement cost of your home in the 02642 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 02642
Best Home & Auto Insurance Agencies in 02642
Housing Demographics for 02642
Population Review for 02642 Zip Code
For the city of Eastham, the population within 02642 has increased to over 5,694 residents in population size. The current population total is 5,752. We have broken down the population based on race below. In 02642, there are over 2702 in male population and 3050 females.
| Population | Values |
|---|---|
| Total Population | 5,752 |
| White Population | 5213 |
| Black Population | 190 |
| Hispanic Population | 129 |
| Asian Population | 42 |
| Hawaiian Population | 0 |
| Indian Population | 11 |
| Other Population | 45 |
| Male Population | 2702 |
| Female Population | 3050 |
| Population Estimate | 5694 |
Household Data for 02642
The average number of homes in 02642 is around 2,804, there are an average of 2.05 per household. The average house value according to local real estate values is around $517,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,804 |
| Persons Per Household | 2.05 |
| Average House Value | $517,100 |
| Income Per Household | $76859 |
| Median Age | 60.5 |
| Median Age Male | 59.4 |
| Median Age Female | 61.4 |
| 02642 Details | Values |
|---|---|
| State | MA |
| State Full Name | Massachusetts |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 508/774 |
| City | Eastham |
| City Alias Name | EASTHAM |
| County | Barnstable |
| County FIPS | 001 |
| State FIPS | 25 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 0740 |
| PMSA | |
| CSA | 148 |
| CBSA | 12700 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Barnstable Town, MA |
| MSA_Name | Barnstable-Yarmouth, MA MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 137 |
| Number Of Employees | 450 |
| Business First Quarter Payroll | 3837 |
| Business Annual Payroll | 22501 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 215888 |
| CBSA Division Population | 0 |
| Congressional District | 09 |
| Congressional LandArea | 1214.74 |
| Delivery Residential | 2778 |
| Delivery Business | 121 |
| Delivery Total | 3402 |
| Preferred Last Line Key | V21749 |
| Classification Code | |
| Multi-County | |
| CSA Name | Boston-Worcester-Providence, MA-RI-NH |
| CBSA_DIV_Name | |
| City State Key | V21749 |
| Land Area | 13.968000 |
| Water Area | 3.403000 |
| City Alias Code | |
| City Mixed Case | Eastham |
| City Alias Mixed Case | Eastham |
| Box Count | 484 |
| SFDU | 2690 |
| MFDU | 0 |
| State ANSI | 25 |
| County ANSI | 001 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 242108 |
| Unique ZIP Name | |
| SSA State County Code | 22000 |
| Medicare CBSA Code | 12700 |
| Medicare CBSA Name | Barnstable Town, MA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 0 |
| County Mixed Case | Barnstable |
Massachusetts Homeowners Insurance News & Information
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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 […]
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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 […]
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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. […]