Get multiple home insurance quotes in 06390. Our licensed 06390, NY agents are ready to serve you.

06390 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 06390? There are over 180 occupied homes in the 06390 area. With a population size of 422, it's not uncommon for residence of Fishers Island, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,026 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 06390 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: Fishers Island, NY Home Insurance Rate Quotes

06390 Home Insurance Average Premiums

Local 06390 homeowners insurance quotes comparison

$776 /yr.

Shows Zip Code: 06390 lowest rates with discounts applied on average.

For the 06390, 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)
$776 /yr.
Average Coverage:$1026 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1326 /yr.

What is the average home insurance cost for a home in 06390?

  • • The average homeowners insurance premium paid annually for a home in 06390 is around $1026 per year.

What does it cost on average per month for home insurance in 06390?

  • • Homeowners in 06390 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 06390?

  • • Autoowners in 06390 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 Fishers Island area, check out other zip codes nearby 06390.
Review average rates in another zip code:
06390 homeowners insurance rates

Home Replacement Cost Coverage in 06390

Average Building Cost Per Square Foot in 06390: $205

Location: Fishers Island, New York (Suffolk County)

Average Square Footage in 06390: 805 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06390 before you start any project. Fishers Island homeowners pay on average around $205 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 06390 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 06390 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 805 sq. ft. and the average cost to rebuild the home in this area is around $205 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 Fishers Island 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$205805$165,000
Additional Upgrades & Added Features$256805$206,250
Major Home Updates or Advancements$308805$247,500

It's important to understand that when you estimate your replacement cost of your home in the 06390 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 06390

Best Home & Auto Insurance Agencies in 06390

Housing Demographics for 06390

Population Review for 06390 Zip Code

For the city of Fishers Island, the population within 06390 has increased to over 0 residents in population size. The current population total is 422. We have broken down the population based on race below. In 06390, there are over 218 in male population and 204 females.

PopulationValues
Total Population422
White Population359
Black Population3
Hispanic Population32
Asian Population11
Hawaiian Population2
Indian Population2
Other Population8
Male Population218
Female Population204
Population Estimate0

Household Data for 06390

The average number of homes in 06390 is around 180, there are an average of 2.30 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode180
Persons Per Household2.30
Average House Value$165,000
Income Per Household$46250
Median Age50.6
Median Age Male51.8
Median Age Female50.2
06390 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias AbbreviationFISHERS ISLE
Area Code631
CityFishers Island
City Alias NameFISHERS ISLAND
CountySuffolk
County FIPS103
State FIPS36
Time Zone5
Day Light SavingY
MSA5602
PMSA5380
CSA408
CBSA35620
CBSA_DIV35004
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameNassau-Suffolk, NY PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses42
Number Of Employees230
Business First Quarter Payroll3115
Business Annual Payroll17701
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population18897109
CBSA Division Population2832882
Congressional District01
Congressional LandArea650.02
Delivery Residential0
Delivery Business0
Delivery Total615
Preferred Last Line KeyV25832
Classification CodeP
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNassau County-Suffolk County, NY
City State KeyV25832
Land Area4.047000
Water Area11.567000
City Alias Code
City Mixed CaseFishers Island
City Alias Mixed CaseFishers Island
Box Count538
SFDU0
MFDU0
State ANSI36
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number352855
Unique ZIP Name
SSA State County Code33700
Medicare CBSA Code35004
Medicare CBSA NameNassau County-Suffolk County, NY
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseSuffolk

New York Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]