10309 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 10309 zip code it's important to know that our rates are very competitive for homeowners living in Staten Island, NY. Many homeowners based out of your 10309 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New York licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 10309 should appear in the zip code field ready to go. For Staten Island, NY Homeowners Insurance Quotes nearby, we offer the best rates and service.

10309: Average Home Insurance Rates

For homeowners living in the great city of Staten Island, the average homeowners policy is considered high in comparison to other states. New York premiums are estimated to be around $916 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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10309 Home Insurance Average Premiums

Local 10309 homeowners insurance quotes comparison

$666 /yr.

Shows Zip Code: 10309 lowest rates with discounts applied on average.

For the 10309, 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)	$666 /yr.
Average Coverage:	$916 /yr.
2600 sq. ft. or higher (all discounts applied)	$1216 /yr.

What is the average home insurance cost for a home in 10309?

• The average homeowners insurance premium paid annually for a home in 10309 is around $916 per year.

What does it cost on average per month for home insurance in 10309?

• Homeowners in 10309 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 10309?

• Autoowners in 10309 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 Staten Island area, check out other zip codes nearby 10309.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 10309

Average Building Cost Per Square Foot in 10309: $205

Location: Staten Island, New York (Richmond County)

Average Square Footage in 10309: 3,053 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 10309 before you start any project. Staten 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 10309 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 10309 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,053 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 Staten 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$205	3,053	$625,800
Additional Upgrades & Added Features	$256	3,053	$782,250
Major Home Updates or Advancements	$308	3,053	$938,700

Calculate Your Dwelling Coverage in 10309

It's important to understand that when you estimate your replacement cost of your home in the 10309 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 Home & Auto Insurance Agencies in 10309

Bill Simmon

Address: 655 Rossville Ave Staten Island, NY 10309
Phone:
Website:
Info:

Buckingham Badler Assoc Inc

Address: 286 Richmond Valley Rd Staten Island, NY 10309
Phone:
Website:
Info:

Insure All Cars

Address: 222 Bloomingdale Rd Staten Island, NY 10309
Phone:
Website: http://www.insureallcars.com
Info:

Allstate Insurance Company - Raymond Genero

Address: 971 Rossville Ave Staten Island, NY 10309
Phone:
Website: http://www.allstateagencies.com/RAYGENERO/Welcome/
Info:

Housing Demographics for 10309

Population Review for 10309 Zip Code

For the city of Staten Island, the population within 10309 has increased to over 28,118 residents in population size. The current population total is 33,523. We have broken down the population based on race below. In 10309, there are over 16280 in male population and 17243 females.

Population	Values
Total Population	33,523
White Population	28210
Black Population	379
Hispanic Population	3435
Asian Population	1894
Hawaiian Population	8
Indian Population	66
Other Population	900
Male Population	16280
Female Population	17243
Population Estimate	28118

Household Data for 10309

The average number of homes in 10309 is around 12,006, there are an average of 2.77 per household. The average house value according to local real estate values is around $625,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	12,006
Persons Per Household	2.77
Average House Value	$625,800
Income Per Household	$107500
Median Age	41.1
Median Age Male	39.7
Median Age Female	42.5

10309 Details	Values
State	NY
State Full Name	New York
City Type	P
City Alias Abbreviation
Area Code	929/718/347/917
City	Staten Island
City Alias Name	STATEN ISLAND
County	Richmond
County FIPS	085
State FIPS	36
Time Zone	5
Day Light Saving	Y
MSA	5602
PMSA	5600
CSA	408
CBSA	35620
CBSA_DIV	35614
CBSA_Type	Metro
CBSA_Name	New York-Newark-Jersey City, NY-NJ
MSA_Name	New York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_Name	New York, NY PMSA
Region	Northeast
Division	Middle Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	874
Number Of Employees	10407
Business First Quarter Payroll	106722
Business Annual Payroll	486793
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	18897109
CBSA Division Population	11576251
Congressional District	11
Congressional LandArea	65.83
Delivery Residential	10151
Delivery Business	810
Delivery Total	11771
Preferred Last Line Key	V16367
Classification Code
Multi-County
CSA Name	New York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name	New York-Jersey City-White Plains, NY-NJ
City State Key	V16367
Land Area	7.254000
Water Area	0.077000
City Alias Code
City Mixed Case	Staten Island
City Alias Mixed Case	Staten Island
Box Count	129
SFDU	6992
MFDU	7
State ANSI	36
County ANSI	085
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	358170
Unique ZIP Name
SSA State County Code	33610
Medicare CBSA Code	35614
Medicare CBSA Name	New York-Jersey City-White Plains, NY-NJ
Medicare CBSA Type	Metro
Market Rating Area ID	4
County Mixed Case	Richmond

New York Homeowners Insurance News & Information

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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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Home Insurance Quotes in 10309!