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If you live in the 02878 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Tiverton have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our RI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 02878 and then compare quotes from a variety of nationwide insurance companies.

02878 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 02878 the average premium for homeowners coverage is $1340 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 02878. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 02878 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Tiverton, RI home insurance quotes in your area.

02878 Home Insurance Average Premiums

Local 02878 homeowners insurance quotes comparison

$1090 /yr.

Shows Zip Code: 02878 lowest rates with discounts applied on average.

For the 02878, 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)
$1090 /yr.
Average Coverage:$1340 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1640 /yr.

What is the average home insurance cost for a home in 02878?

  • • The average homeowners insurance premium paid annually for a home in 02878 is around $1340 per year.

What does it cost on average per month for home insurance in 02878?

  • • Homeowners in 02878 pay a monthly average cost per month around $112.00.

What kind of discount could I get if I combine my home and auto insurance together in 02878?

  • • Autoowners in 02878 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.

For shopping home insurance rates within the Tiverton area, check out other zip codes nearby 02878.
Review average rates in another zip code:
02878 homeowners insurance rates

Home Replacement Cost Coverage in 02878

Average Building Cost Per Square Foot in 02878: $210

Location: Tiverton, Rhode Island (Newport County)

Average Square Footage in 02878: 1,375 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02878 before you start any project. Tiverton homeowners pay on average around $210 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 02878 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 02878 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,375 sq. ft. and the average cost to rebuild the home in this area is around $210 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 Tiverton 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$2101,375$288,700
Additional Upgrades & Added Features$2631,375$360,875
Major Home Updates or Advancements$3151,375$433,050

It's important to understand that when you estimate your replacement cost of your home in the 02878 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 02878

Best Home & Auto Insurance Agencies in 02878

Desrochers, Carleen - Allstate

Address: 1204 Fish Rd, #2 Tiverton, RI 02878
Phone:
Website: http://www.agents.allstate.com/USA/RI/carleen-a-desrochers.html
Info:

Allstate Insurance Company - Carleen A Desrochers

Address: 1204 Fish Rd Tiverton, RI 02878
Phone:
Website: http://www.providence.citysearch.com/profile/662009170/tiverton_ri/allstate_insurance_company_carleen_a_desrochers.html
Info:

Job Site State Farm Insurance

Address: 134 Mark Dr Tiverton, RI 02878
Phone:
Website:
Info:

Housing Demographics for 02878

Population Review for 02878 Zip Code

For the city of Tiverton, the population within 02878 has increased to over 16,968 residents in population size. The current population total is 16,359. We have broken down the population based on race below. In 02878, there are over 7967 in male population and 8392 females.

PopulationValues
Total Population16,359
White Population15030
Black Population158
Hispanic Population425
Asian Population178
Hawaiian Population8
Indian Population22
Other Population159
Male Population7967
Female Population8392
Population Estimate16968

Household Data for 02878

The average number of homes in 02878 is around 7,125, there are an average of 2.27 per household. The average house value according to local real estate values is around $288,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,125
Persons Per Household2.27
Average House Value$288,700
Income Per Household$85522
Median Age49.8
Median Age Male47.8
Median Age Female51.4
02878 DetailsValues
StateRI
State Full NameRhode Island
City TypeP
City Alias Abbreviation
Area Code401
CityTiverton
City Alias NameTIVERTON
CountyNewport
County FIPS005
State FIPS44
Time Zone5
Day Light SavingY
MSA6480
PMSA
CSA148
CBSA39300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameProvidence-Warwick, RI-MA
MSA_NameProvidence-Fall River-Warwick, RI-MA MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses367
Number Of Employees2905
Business First Quarter Payroll24842
Business Annual Payroll115902
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1600852
CBSA Division Population0
Congressional District01
Congressional LandArea268.49
Delivery Residential7475
Delivery Business390
Delivery Total8202
Preferred Last Line KeyV25965
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25965
Land Area29.065000
Water Area3.234000
City Alias Code
City Mixed CaseTiverton
City Alias Mixed CaseTiverton
Box Count255
SFDU6208
MFDU452
State ANSI44
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number438120
Unique ZIP Name
SSA State County Code41020
Medicare CBSA Code39300
Medicare CBSA NameProvidence-Warwick, RI-MA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseNewport

Rhode Island Homeowners Insurance News & Information

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    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]