10 Cheapest Zoom Towns for Insurance (2021 Report)

Residents in the 10 cheapest Zoom towns for insurance have an average combined insurance savings of $1,453. The bulk of insurance savings comes from health insurance, with residents saving up to $1,980 annually. In these 10 Zoom towns, the yearly average of auto insurance savings is $142, and home insurance savings average $119. Combined, these 10 Zoom towns are saving residents up to $2,311 in annual insurance bills.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 17, 2021

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A Concise Overview

  • Residents in the best Zoom towns pay $131 less for health insurance on average
  • The average distance between Zoom towns and the nearest city is 68 miles
  • Single-family homes in Zoom towns have an average cost of $340,827
  • On average, Zoom town residents only have to drive 87-minute to get to the nearest national park

10 Best Zoom Towns

When the coronavirus spread throughout the world in 2020, the biggest cities or densest locations seemed to suffer the most. Even as restaurants, offices, and stores closed to stop the exponential increase in cases, big cities like New York, Los Angeles, Detroit, and Seattle grappled with the novel virus, fighting with limited resources and doctors and nurses who were working around the clock.

Fast forward to the summer of 2020. With the coronavirus still spreading, more companies (huge like Google and small like local businesses) turned to remote work as a semi-permanent fix to keep their employees safe. For thought leaders and employees, it became clear a shift was happening:

Companies were phasing out the five-day work in the office work week in favor of remote work.

Now, what does this have to do with our article about the cheapest Zoom towns for insurance?

Here, we cover the 10 best Zoom towns for insurance savings. Due to the danger of coronavirus spread in big cities and the ability to work remotely, people fled to the countryside and suburbs. The Internet created a catchphrase: Zoom towns, based on the popular software used for remote or virtual meetings.

We’ve got the 10 top Zoom towns for you here from the Northeast to West Coast. These are the hottest real estate markets in America, true towns where Millennials and other population segments are fleeing, for a host of reasons. At the top of the page, you can see the top 10 Zoom towns and how much you can save on insurance if you move there.

The total insurance savings may not equal the sum of each category listed per Zoom town or corresponding ranking. The graph above is meant to show just savings, while for our ranking and methodology, we calculated extra spending as well (when the residents of a Zoom town actually pay more than average for a particular type of insurance). 

In this article, we’ll also cover some additional topics:

  • Specifically, what is a Zoom town?
  • The housing market forecast in 2021
  • When will house prices drop?

One topic we’ll hit on over and over again is insurance. Reading insurance company reviews is one of the best ways to find an insurance company that suits your needs.

It’s important as well to save as much as you can on insurance, even if you already live in one of the cheapest Zoom towns. One of the best ways to do that is to compare live quotes from different insurance companies. Enter your ZIP code into our free online quote comparison tool to do just that and start saving today.

Now, let’s dive into the detailed analysis of each town on our Zoom towns list.

10 Best Zoom Towns for Insurance Savings

First, let’s start off with a quick definition of a “Zoom town.” This comes from the Wall Street Journal:

Our 10 cheapest Zoom towns for insurance are spread across the country. From the Northeast to the West Coast, they offer lower costs of living, close proximity to national parks, cheaper single-family homes, and insurance savings.

We’ll compare them in a section after the rankings. In the tables, if one (or more than one) insurance category is not shown, that means there are no insurance savings in that category for that Zoom town.

#10 – Montclair, New Jersey

  • Distance From Nearest Major City: 7 miles
  • Single-Family Home Avg. Cost: $892,058
  • Driving Time to Nearest National Park: 41 mins
  • Annual Combined Insurance Savings: $343

Coming in at No. 10 on this list, Montclair, NJ has an average insurance savings of $343. The table below shows the breakdown of those insurance savings according to auto insurance savings, homeowners insurance savings, and health insurance savings.

Montclair, NJ Zoom Town Annual Insurance Savings

HomeHealthCombined
$40$816$343
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Residents of Montclair, NJ score their biggest savings with health insurance, gaining $816 in insurance savings compared to the rest of the country. They also gain $40 in homeowners insurance savings. What keeps Montclair, NJ from rising higher on this list is auto insurance.

Residents of Montclair, NJ pay on average $513 more on auto insurance compared to the other residents of New Jersey. That is even on top of the already high auto insurance rates in New Jersey.

If you live in New Jersey or are thinking of moving to the Garden State, there are ways to get cheap New Jersey auto insurance rates such as discounts or raising your deductible.

As far as housing prices go, people looking to move to Montclair face an average of $892,058 for a single-family home. Given its proximity to Newark (just seven miles), this might not be a surprise.

One perk is that Montclair is just 41 minutes from the nearest national park — General Grant National Memorial.

#9 – Hudson, New Hampshire

  • Distance From Nearest Major City: 34 miles
  • Single-Family Home Avg. Cost: $367,603
  • Driving Time to Nearest National Park: 57 mins
  • Annual Combined Insurance Savings: $540

Hudson, NH comes in at No. 9 on this list with an average insurance savings of $540. The following table shows insurance savings according to auto insurance savings, homeowners insurance savings, and health insurance savings.

Hudson, NH Zoom Town Annual Insurance Savings

AutoHomeHealthCombined
$203$265$72$540
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The insurance savings in Hudson are balanced: The largest savings come from homeowners insurance at $265, with auto insurance savings right behind at $203. Residents of Hudson save the least with health insurance at $72.

Prices are high for single-family homes in Hudson, with the average cost being a little over $367,000. The nearest city is Boston 34 miles away and the nearest national park is Salem Maritime National Historic Site, about 57 minutes away.

#8 – Boise, Idaho

  • Distance From Nearest Major City: 334 miles
  • Single-Family Home Avg. Cost: $355,376
  • Driving Time to Nearest National Park: 84 mins
  • Annual Combined Insurance Savings: $729

Coming in at No. 8 on this list of the cheapest Zoom towns for insurance, Boise, ID residents on average see an insurance savings of $729 when compared to other residents of Idaho or other states.

The table below breaks down these insurance savings by our three types of insurance: auto insurance, homeowners insurance, and health insurance.

Boise, ID Zoom Town Annual Insurance Savings

AutoHomeHealthCombined
$216$477$36$729
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Insurance savings in Boise can be broken down into a high-tier, mid-tier, and low-tier:

  • High-tier: Homeowners insurance savings at $477
  • Mid-tier: Auto insurance savings at $216
  • Low-tier: Health insurance savings: $36

The next nearest big city to Boise is Reno at 334 miles away. The nearest national park (Hagerman Fossil Beds National Monument) is one hour and 24 minutes away.

Single-family homes can be expensive in Boise with the average being $355,376. People are still flocking to the city, however, as it provides a closer experience to nature and a slower pace of life compared to major cities throughout the country.

#7 – Bow, New Hampshire

  • Distance From Nearest Major City: 56 miles
  • Single-Family Home Avg. Cost: $388,440
  • Driving Time to Nearest National Park: 75 mins
  • Annual Combined Insurance Savings: $798

Bow, NH comes in at No. 7 on this list with residents seeing an average insurance savings of $798 compared to other New Hampshire residents and to residents of other states across the country.

The following table shows those insurance savings according to our three types: auto insurance, homeowners insurance, and health insurance.

Bow, NH Zoom Town Annual Insurance Savings

AutoHomeHealthCombined
$461$265$72$798
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Bow, NH is the first Zoom town where we see auto insurance savings leading the race with residents paying on average $461 less on auto insurance compared to other residents of New Hampshire.

If you want to find the best auto insurance rates in the Granite State, check out our New Hampshire auto insurance review, which covers types of auto insurance coverages, companies, and more.

The next largest insurance savings in Bow come from homeowners insurance at $265, with health insurance coming far behind at $72.

It is 56 miles from Boston, and a single-family home can be pricey with the average price of one being a little over $388,000. The nearest national park (Saint-Gaudens National Historical Park) is one hour and 15 minutes away.

#6 – Rochester, New York

  • Distance From Nearest Major City: 67 miles
  • Single-Family Home Avg. Cost: $163,278
  • Driving Time to Nearest National Park: 73 mins
  • Annual Combined Insurance Savings: $843

Coming in sixth on this list, Rochester, NY ranks as the best Zoom town for insurance savings with an average insurance savings of $843. The table below shows the average savings in terms of auto insurance and combined insurance savings.

Rochester, NY Zoom Town Annual Insurance Savings

AutoCombined
$1,215$843
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Rochester is an odd city on this list in that residents save a huge amount on one type of insurance, while actually paying more than average for the other two. That insurance is auto insurance, where residents of Rochester pay $1,215 less compared to other residents of the state.

But residents of Rochester pay more for homeowners insurance (-$72) and health insurance (-$300) compared to the rest of the country. This is why the combined savings is actually lower than the auto insurance savings — because residents of Rochester overpay for homeowners and health insurance.

Single-family homes are the lowest priced in Rochester compared to all Zoom towns on this list at a little less than an average of $163,000.

If you’re looking for a New York-based insurance company based, one of your options is New York central Mutual. Our review of New York Central Mutual shows the company has a strong rating in financial strength and claims.

Zoom became a popular platform at the start of the pandemic when everyone, including some newspeople, was using Zoom to conduct interviews or to work.

In fact, the platform, which was little known before the start of the pandemic, ended up being part of the social lexicon with terms like “Zooming,” “Zoom call,” or “Zoom fatigue,” added to everyday conversations.

The nearest big city is Buffalo, 67 miles away, and the closest national park (Harriet Tubman National Historical Park) is about one hour and 13 minutes away.

 

#5 – Melrose, Massachusetts

  • Distance From Nearest Major City: 7 miles
  • Single-Family Home Avg. Cost: $709,752
  • Driving Time to Nearest National Park: 17 mins
  • Annual Combined Insurance Savings: $1,406

Melrose, MA comes in at No. 5 on this list with residents averaging an insurance savings of $1,406 compared to other residents of Massachusetts and the rest of the country.

The following table shows insurance savings in terms of health insurance and combined insurance savings.

Melrose, MA Zoom Town Annual Insurance Savings

HealthCombined
$1,980$1,406
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Like with Rochester residents, people who live in Melrose experience huge insurance savings in one category, while actually paying more for insurance in the other two categories.

The only category where Melrose residents save is health insurance, at an average of $1,980. They pay $280 extra in auto insurance compared to the other residents in Massachusetts and $294 extra in homeowners insurance compared to the rest of the country.

Melrose is just seven minutes away from Boston, which likely contributes to its high single-family home prices (an average of $709,752). A big perk is that Melrose residents are just 17 minutes away from the nearest national park (Boston National Historical Park).

#4 – Dyer, Indiana

  • Distance From Nearest Major City: 27 miles
  • Single-Family Home Avg. Cost: $275,925
  • Driving Time to Nearest National Park: 169 mins
  • Annual Combined Insurance Savings: $1,563

Coming in at No. 4 on this list of the best Zoom towns for insurance savings, Dyer, IN residents experience an average insurance savings of $1,563. The table below shows how those insurance savings break down according to homeowners savings, health savings, and combined savings.

Dyer, IN Zoom Town Annual Insurance Savings

HomeHealthCombined
$219$1,704$1,563
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The bulk of insurance savings for Dyer, IN residents comes from health insurance: $1,704 saved compared to the rest of the country. It also saves $219 in homeowners insurance compared to the nationwide average.

Residents of Dyer actually pay more for auto insurance than the rest of Indiana at $360.

In Indiana, full coverage auto insurance costs $755 per year. Find out how you can save by visiting our Indiana auto insurance review.

Dyer is 27 miles from Chicago with an average single-family home price of $275,925. A detractor from Dyer is that the nearest national park is relatively far away compared to the other Zoom towns on this list, at two hours and 49 minutes to the Ice Age National Scenic Trail.

#3 – Mansfield, Massachusetts

  • Distance From Nearest Major City: 24 miles
  • Single-Family Home Avg. Cost: $507,384
  • Driving Time to Nearest National Park: 20 mins
  • Annual Combined Insurance Savings: $1,821

Mansfield, MA comes in third on this list of the best Zoom towns for insurance savings. Between auto insurance, homeowners insurance, and health insurance, residents of Mansfield gain an average of $1,821 in insurance savings.

The following table shows those savings broken down by auto, health, and combined insurance savings.

Mansfield, MA Zoom Town Annual Insurance Savings

AutoHealthCombined
$135$1,980$1,821
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The bulk of insurance savings in Mansfield come from health insurance: an average savings of $1,980. Residents of Mansfield also save on auto insurance ($135) compared to the other residents of Massachusetts. They pay more for homeowners insurance (-$294).

People used Zoom for more than business during the pandemic, as politicians and social activists used the platform for town halls and other events that normally would be held in a public location.

The nearest big city to Mansfield is Boston, 24 miles away. The average single-family home price is higher than the average for our Zoom towns at $507,384. A positive about Mansfield is that it is just 20 minutes from the nearest national park — Roger Williams National Memorial.

#2 – Fort Wayne, Indiana

  • Distance From Nearest Major City: 144 miles
  • Single-Family Home Avg. Cost: $212,604
  • Driving Time to Nearest National Park: 127 mins
  • Annual Combined Insurance Savings: $2,059

Coming in at No. 2 on this list of the cheapest Zoom towns for insurance is Fort Wayne, IN. Residents average $2,059 in savings. The table below shows the average insurance savings according to auto insurance, homeowners insurance, and health insurance rates.

Fort Wayne, IN Zoom Town Annual Insurance Savings

AutoHomeHealthCombined
$136$219$1,704$2,059
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Residents of Fort Wayne see savings in all three of our insurance categories: $1,704 in health insurance, $219 in homeowners insurance, and $136 in auto insurance.

The nearest big city to Fort Wayne is Toledo, approximately 144 miles away. The cost of a single-family home is reasonable at a little more than $212,000.

The only downside is that the nearest national park from Fort Wayne is River Raisin National Battlefield Park, about two hours and seven minutes away.

#1 – Spokane, Washington

  • Distance From Nearest Major City: 228 miles
  • Single-Family Home Avg. Cost: $282,830
  • Driving Time to Nearest National Park: 156 mins
  • Annual Combined Insurance Savings: $2,311

Spokane, WA comes in at No. 1 on this list of the best Zoom towns for insurance savings with residents averaging $2,311 in insurance savings. The following table shows those savings broken down by insurance category: auto insurance savings, homeowners insurance savings, and health insurance savings.

Spokane, WA Zoom Town Annual Insurance Savings

AutoHomeHealthCombined
$203$368$1,740$2,311
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Residents of Spokane see insurance savings in all three categories with the most coming in health insurance savings ($1,740).

Spokane residents also save $368 on average with homeowners insurance and $203 with auto insurance.

As our review of Washington state car insurance laws and minimum coverage limits shows, Washington residents have lower average auto insurance rates compared to the nationwide average. This is good for Washingtonians — after all, who doesn’t like to save a little bit of money?

 

Spokane is 228 miles away from the next big city — Seattle — and the nearest national park is a little over two hours and 30 minutes away (Whitman Mission National Historic Site). The price of a single-family home is a little less than $283,000, which is in the middle range for Zoom towns in our top 10.

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What the 10 Best Zoom Towns Have in Common

When we put together the list of the 10 best Zoom towns for insurance savings, we focused on one metric for the ranking: overall insurance savings. Now that we’ve analyzed them individually, it’s time to look at what commonalities and disparities they have.

The following image shows the insurance savings for the 10 best Zoom towns according to auto insurance. We used our in-house data to compare the auto insurance rates for the ZIP codes of the Zoom towns to the auto insurance rates for all other ZIP codes in the state.

10 best towns auto insurance savings

Auto insurance rates vary significantly by state. The spread between the best Zoom town for auto insurance savings and the worst was $1,728: $1,215 savings in Rochester, NY to $530 loss in Montclair, NJ.

Residents of three of our Zoom towns — Melrose, MA; Dyer, IN; and Montclair, NJ actually paid more on average for auto insurance compared to the residents of the rest of the state. The average auto insurance savings for all Zoom towns was $142.

There are many factors that influence auto insurance rates, even for different cities in the same state. Check out our car insurance page for more information.

The next graphic shows the average savings for our 10 best Zoom towns for homeowners insurance. For these calculations, we compared the average homeowner insurance rate in the state compared to the nationwide average of $1,249.

10 best towns home insurance savings

As with auto insurance rates, homeowners insurance rates for the states of the cheapest Zoom towns varied considerably. The spread between the best city and the worst city was $771: Boise, ID at $477 savings and our two cities in Massachusetts, where residents paid $294 more for homeowners insurance than the national average.

Rochester, NY; Melrose, MA; and Mansfield, MA were the only Zoom towns that did not benefit from homeowners insurance savings of the 10 cheapest Zoom towns.

The average savings per Zoom town for homeowners insurance was $119.

This final graphic shows how much each Zoom town benefited from health insurance savings. For this calculation, we compared the average lowest-cost silver plans per state compared to the nationwide average.

10 Best Zoom Towns Health Insurance Savings

There was much more variance between average health insurance rates per state compared to homeowners rates and auto insurance rates.

The spread for health insurance savings was $1,280: Melrose and Mansfield of Massachusetts with $1,980 in savings and Rochester, NY whose residents paid $300 more for health insurance compared to those in the rest of the country.

The average health insurance savings for all of our top 10 Zoom towns was $980. This made health insurance the most impactful insurance when it came to overall insurance savings in our 10 Zoom towns.

Trends for Zoom Towns in the Hottest Markets

We started our data collection by looking at the hottest real estate markets in the country, then widdling the ZIP codes down to those with a population of 30,000 or below.

In the end, we wound up with 20 Zoom towns. The following graph shows all 20 in terms of overall insurance savings based on our three insurance types: auto insurance, homeowners insurance, and health insurance.

View as image

To say the savings ranged wildly is an understatement. In fact, some of the Zoom towns on our list did not have insurance savings.

The spread between the Zoom town with the most insurance savings and the least was $5,373.

Spokane, WA residents saved $2,311 on insurance while residents of Edmond, OK paid on average $3,062 more on insurance compared to the rest of the country.

The following three bullet points show the average savings (or penalties) of the 20 Zoom towns for auto insurance, homeowners insurance, and health insurance:

  • Auto insurance: $4 more than the norm
  • Homeowners insurance: $32 less than the norm
  • Health insurance: $131 less than the norm

It’s clear those Zoom towns that made the top 10 in our list were those that experienced a much higher degree of health insurance savings and, to some extent, homeowners insurance savings.

Health insurance can be difficult to understand due to the terminology and costs associated with different types of plans. Determine the right health insurance plan for you on our health insurance page.

The next graph shows the distance of each Zoom town to the nearest big city and the nearest national park.

The initial analysis of this phenomenon was that people were moving away from big cities in part for a slower pace of life and to be closer to nature.

The distances between the Zoom towns and the bigger cities, as well as the Zoom towns and the nearest national parks, varied widely like the insurance savings part of our methodology.

View as image

The average distance between the Zoom towns and bigger cities was 68 miles. However, the spread was much larger. Residents of Boise, ID would need to travel 334 miles to reach the nearest big city (Reno, NV), whereas residents of Montclair, NJ and Melrose, MA are just seven miles from their respective major cities. In fact, there were four Zoom towns that were less than 10 miles from major cities:

  1. Melrose, MA (seven miles to Boston)
  2. Montclair, NJ (seven miles to Newark)
  3. Rio Linda, CA (eight miles to Sacramento)
  4. Shawnee, KS (nine miles to Kansas City)

The reflection here is that in addition to people moving far away from big cities, there was also a push to move to the suburbs as people fled the dense urban cities prone to coronavirus spreads.

Eleven cities were over 10 miles away from a major city but less than 100 miles away. Four cities were over 100 miles away from a major city.

For the 20 Zoom towns, the distance to national parks was greater on average than to a major city. On average, the Zoom towns were 95 minutes away from a national park. Twelve cities were less than an hour and a half away. Eight cities were higher than that.

One of the major driving forces behind the Zoom towns movement was a cheaper cost of living.

The prospective cost of a house was a major factor in the flight from dense urban areas with high property values as Millennials looked to start families.

The following graph shows each of the 20 Zoom towns in terms of their population (in that specific ZIP code) and the price of a single-family home. Like we already saw with the 10 cheapest Zoom towns, the prices of a single-family home vary widely, often by hundreds of thousands of dollars.

View as image

The average population per ZIP code was 21,710 for all 20 Zoom towns, with the average cost of a single-family home being a little less than $341,000. However, this does not tell the whole story.

Within the 20 Zoom towns, there are four with average single-family home prices below $200,000:

  1. Wichita, KS: $128,142
  2. Rochester, NY: $163,278
  3. Edmond, OK: $182,021
  4. Maryland Heights, MO: $197,965

There are 13 Zoom towns where the average single-family home costs between $200,000 and $400,000. And then there are three where the starting price is $500,000 or higher. Remove these three Zoom towns, and the average price for a single-family home is a little less than $277,000.

Future of Business in the Post-COVID Economy

The coronavirus pandemic disrupted almost every industry disrupted how we work as well. With companies across the world shutting offices and asking their employees to work from home, a new era of possibility started to grow:

We now exist in a time where workers have more control over when and where they work, and this trend continues to grow throughout the world.

This gave rise to Zoom towns in the beginning, allowing people sick of sky-high city prices to move to smaller towns with a slower pace of life and a quality of life that costs less. Part of the savings came from insurance itself, while other savings included a lower cost for a single-family home.

People wanting to be closer to nature found that in Zoom towns near major national parks.

It is uncertain how far this trend will continue, though we may see further growth of this concept: remote work in foreign countries, some of which are already altering visa laws to entice remote workers to live and work in their countries, contributing dollars back into those countries economies.

Now that we’ve covered the best Zoom towns for insurance savings, let’s see what the experts have to say about the topic.

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Benefits (and Challenges) of Fully-Remote Work

Now that we’ve covered the cheapest Zoom towns for insurance and looked at all the Zoom towns in our ranking (1-20), let’s get the takes from thought leaders around the country.

Topics include Zoom towns, remote work, and, of course, the stresses of the coronavirus pandemic.

Experts from Around the World

“Remote work is a trend that will continue to increase as companies realize that much of their operations can be performed virtually. There will be a small number of companies who go completely remote, primarily those who work solely in the digital space. This will contribute to an increase in travel, once people feel safe to do so, as well as digital nomadism.

Those who work completely remote will find solace in traveling rather than being cooped up in the house. However, virtual work will not eclipse in-person work completely.

Since some aspects of team projects are easier done in person, we will see many companies adopt a hybrid schedule that includes working from home and spending time in office. That’s what we do at my company, Live Another Day.

One major mental health concern associated with working from home is the feeling many people have of ‘living at work.’ Since we work from home, many people are doing so outside of their normal hours, in addition to their regular 9-5. This limits the time spent with family and friends and could have negative effects on those relationships.

That stress from having time limited with family and friends, coupled with the general feelings of lost freedom, isolation, and overexertion can have a detrimental effect on a person’s psyche.

In order to build and reinforce workplace culture while working virtually, business leaders must think outside of the box.

The most beneficial method is scheduling virtual workplace events and weekly or even daily company check-ins. Prioritizing a consistent dialogue and sound relationship with your employees is the best way to foster a positive company culture.”

michael smethMichael Smeth is the Director of Online Development at LiveAnotherDay.org.
LAD provides life-saving resources for mental illness and substance abuse.


“The rapid spread of the global pandemic coronavirus has so far changed the way both corporates and small businesses work. We as a company are relying on ‘working from home’ arrangements for the first time.

It is important to change with the changing times, hence we have made necessary changes in our policies so as to allow more employees to work from home safely, run on minimum cost, and also bring as much sales as before. The ways in which day-to-day operations took place have now given way to digital transformations.

A growing number of people are moving back to their roots or to smaller cities. This is not a new trend but an ongoing shift. The ability to work from anywhere has given a push to this trend.

This change in the way we work to a more remote work business model will leave a lasting impression on our lifestyles and living locations, even when people are allowed to go back to the office.

The benefits of small-town life such as fewer crowds, quiet life, lower cost of living, cleaner air, close-knit community, and less hustle are very attractive. These are the factors that matter to the younger generation and are being considered by them. This is something I expect to continue and it will be here for the coming years.

The benefits of being a digital nomad, such as a low-budget lifestyle, the flexibility of living wherever you want, the ability to learn new skills, and more attract the millennials.

Their means of income moved with them. We will see an increase of remote workers living the life of a digital nomad. Working from home has created new mental health challenges for employees, but I strongly believe that with the right approach these challenges can easily be overcome.

I have personally seen that the sudden shift to a remote work setup has been surprisingly stressful for many employees.

Introducing policies like requiring a ten-minute break between meetings and implementing meeting-free days each month can help reduce the psychological pressure of being constantly online.

Giving space to employees to engage with their team and have their contributions personally acknowledged has worked wonders for my team.

Insurance costs in Singapore are not really cheap. However, the four types of insurance that every Singaporean should consider are Term Life Insurance, Whole Life Insurance, Critical Illness Insurance, and Cancer Insurance. Also, it is legal to have multiple life insurance policies.

I personally have my life insurance coverage through the company in addition to my permanent life insurance policy.”

caroline leeCaroline Lee is the growth marketer and co-founder of CocoSign.
CocoSign provides secure, online signatures to streamline the business process.  


“As a result of the pandemic, changes had to be made to operations and how people worked in our organization. Due to this, we implemented measures to switch to remote work for the employees who could offer their services from home.

The human resources department developed a program where each employee could come to the office once a week or once every two weeks but provide the required services from home. This was done to avoid having employees contract or infect each other with the Coronavirus.

As a result, none of the employees working for our company has suffered from the virus so far.

I believe that the coronavirus has presented solutions to many organizational challenges. Working from home has been on the rise over the years and will lead to organizations encouraging its use from now on. Working from home will continue even after the pandemic and will reduce office time.

One of the cultures we tried to enforce at the workplace was teamwork. Since employees work from home, this culture will not be enforced on the employees, as they work on their roles separately and whenever they choose to do the work. One person might choose to work in the morning when they are most effective, while others prefer evenings or night.

People move from big cities to small towns to reduce the cost of living. Since people work from home, they might live in more cost-friendly places to save money and use it for other expenses.

People moving to small towns are currently a new trend due to the measures that allow people to work from home. But this trend will continue even after the cure or vaccine for the coronavirus is found and the condition is no longer a factor.

Organizations will have policies allowing people to work from home, thus allowing people to work for companies in major cities, but also from small and cost-effective towns.

Since people will have the ability to work for their employers from anywhere in the world, travel will increase significantly. The main factor that has been limiting travel has been work. If people can travel and work during their travel, the number of people traveling will increase across the world.

There are positive effects working from home will have on employees’ health and relationships. Since employees work from home and feel productive, they will have more time to spend with their family and friends.

Mental health caused by issues at work will not be a challenge any longer since they can work from home. People will also feel free since they work on their own terms.”

alina clarkAlina Clark is the marketing director and co-founder of CocoDoc.
CocoDoc provides document management solutions for businesses.

Complete Ranking for Top Zoom Towns in the U.S.

If you’re in search of a Zoom town to move to or just curious about which real estate markets are popping even though they have 30,000 or fewer people, here is our list of the 20 Zoom towns with 30,000 people or fewer.

Best Zoom Towns for Insurance Savings Full Ranking
RankNameAuto Insurance SavingsHome Insurance SavingsHealth Insurance SavingsTotal Insurance Savings
1Spokane, WA-$203-$368-$1,740-$2,311
2Fort Wayne, IN-$136-$219-$1,704-$2,059
3Mansfield, MA-$135$294-$1,980-$1,821
4Dyer, IN$360-$219-$1,704-$1,563
5Melrose, MA$280$294-$1,980-$1,406
6Rochester, NY-$1,215$72$300-$843
7Bow, NH-$461-$265-$72-$798
8Boise, ID-$216-$477-$36-$729
9Hudson, NH-$203-$265-$72-$540
10Montclair, NJ$513-$40-$816-$343
11Rio Linda, CA$590-$176-$612-$198
12Columbia, MD$6-$178$72-$100
13New Cumberland, PA-$598-$306$1,128$224
14Shawnee, KS-$52$368$444$760
15South Portland, ME-$150-$344$1,284$790
16Whitehall, PA$41-$306$1,128$863
17Maryland Heights, MO$311$134$576$1,021
18Wichita, KS$290$368$444$1,102
19Worcester, MA$831$294$576$1,701
20Edmond, OK$231$695$2,136$3,062
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As shown in previous sections, the costs for insurance — whether auto insurance, homeowners insurance, or health insurance — vary widely from town to town. The same is true with the price of a single-family home.

Frequently Asked Questions: Zoom Towns & Real Estate

Now that we’ve covered the 10 best Zoom towns in the hottest real estate markets and heard from the experts, let’s get to your frequently asked questions. Some covered are:

  • Will home prices drop in 2021?
  • Where are Zoom towns?
  • Is 2021 a good year to buy a house?

Scroll down for the answers to those questions and many more.

#1 – Will home prices drop in 2021?

The general consensus is that price growth will slow during 2021 as more people list their homes for sale and the rising prices force homebuyers to consider newly built homes rather than existing homes.

#2 – What are Zoom towns?

Zoom towns are places people have chosen to live due to the ability to work remotely. Zoom towns often have a slower pace of life and lower cost of living, with the possibility of being close to a national park or other nature-centric attraction.

#3 – Where are Zoom towns?

Zoom towns are present throughout the country, with many being in sparsely populated areas of the Midwest, West, and South. Our ranking, which looked at insurance savings, showed that Zoom towns in the Northeast tended to result in more insurance savings.

#4 – Will the housing market crash in 2022?

Many Americans and experts believe we are existing in a financial bubble in general, with the rising housing market a sign that things will crash at some point. When this will happen is uncertain, but many predict the later stages of 2021 or early 2022 for the real estate market to crash and self-correct.

#5 – Is 2021 a good year to buy a house?

There are a couple of factors to consider. The first is that, according to some experts, you will be overpaying for a home in 2021 as prices are inflated. However, because interest rates are so low, you could secure a mortgage that would allow you to overcome that overpayment in time.

#6 – Should I buy a house in 2021?

To add to the previous question’s answer, a person who buys a house in 2021 will likely overpay but gain a better interest rate on a mortgage. The crux is that many Americans may not be able to secure a mortgage due to financial losses or detrimental credit scores incurred during the COVID-19 pandemic.

#7 – Is there a housing crash coming?

A big concern for many experts is that while the housing market is rising, the reasons behind it may, in part, be artificial. Because the Federal Reserve has kept interest rates low, homebuyers and investors are willing to take on riskier ventures, which could cost the housing market in the long run.

There are also thoughts that housing prices are rising faster than wages in general, making the housing market out of reach for many Americans, hurting demand, which may cause the market to turn south again.

#8 – Will home prices drop soon?

With many people fleeing major cities, the housing prices in those cities will decline until demand ramps up again. For smaller cities and towns across the country, home prices are continuing to increase, driven by investors and homebuyers taking advantage of low-interest rates and favorable borrowing opportunities.

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Methodology: Ranking Zoom Towns by Insurance Savings

For this study, our researchers put together a methodology built on insurance savings. The question we aimed to answer was, “What Zoom towns have the highest insurance savings?”

For that answer, our experts looked first at the hottest real estate markets, courtesy of Realtor.com. Then they narrowed the search to the real estate markets with 30,000 people or fewer.

Our researchers then looked at three sources of data for three types of insurance to get an understanding of the insurance savings in each Zoom town:

  1. Auto insurance: in-house data
  2. Homeowners insurance: the Insurance Information Institute
  3. Health insurance: the Kaiser Family Foundation

To calculate the auto insurance savings of moving to a particular ZIP code, our analysts looked at the average auto insurance premium of a Zoom town’s ZIP code, then contrasted it with the average auto insurance premium in that state.

Our analysts compared the average homeowners insurance rate and health insurance rate in the Zoom town state to the nationwide averages to calculate homeowners and health insurance saings.

A special note: The type of health insurance used for this analysis was the second-lowest-cost silver plan in each state, as through the Healthcare.com (Obamacare) marketplace. Organizations use this “benchmark premium” as a way to analyze health insurance rates from state to state or area to area.

From there, our analysts calculated the total amount of insurance savings and created the ranking of the 10 best Zoom towns for insurance savings.

Our experts and researchers added other information as well, such as the average cost of a single-family home and the proximity to a major city and national park. That information, though, was not used as part of the methodology.

Regardless if you live in one of the best Zoom towns for insurance savings, there are many ways to save on insurance. Plug your ZIP code into our free quote tool to compare insurance quotes from different companies and find coverages personalized for your insurance needs.

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Best Zoom Towns for Insurance Savings
Best Zoom Towns: Distance to Nearest City & National Park
Best Zoom Towns: Population & Single Family Home Price
Best Zoom Towns for Insurance Savings
Best Zoom Towns: Distance to Nearest City & National Park
Best Zoom Towns: Population & Single Family Home Price