02813 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 02813? There are over 3,554 occupied homes in the 02813 area. With a population size of 8,021, it's not uncommon for residence of Charlestown, RI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Rhode Island is around $1,300 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 02813 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Charlestown, RI Home Insurance Rate Quotes

Average Building Cost Per Square Foot in 02813: $210

Average Square Footage in 02813: 1,733 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02813 before you start any project. Charlestown 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 02813 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 02813 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,733 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 Charlestown 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.

It's important to understand that when you estimate your replacement cost of your home in the 02813 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.

Household Data for 02813

The average number of homes in 02813 is around 3,554, there are an average of 2.24 per household. The average house value according to local real estate values is around $363,900. Please review the following demographics below for average income and media age.

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