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Home Insurance Quotes in 10509

Are you shopping for a cheaper homeowners insurance rate in 10509? Our rates are very competitive for homeowners living in Brewster, NY. Many homeowners located in the 10509 zip code 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 online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 10509. To get free 10509 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 10509 zip code should appear in the zip code field ready to go. Shopping Brewster, NY Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 10509 to review the best rate coverages.

Your 10509 Home Insurance Costs Is Rated: High!

For the great city of Brewster, the average home insurance premium paid annually is around $1078 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our New York specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Brewster and need insurance on your home in the 10509 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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10509 Home Insurance Average Premiums

Local 10509 homeowners insurance quotes comparison

$828 /yr.

Shows Zip Code: 10509 lowest rates with discounts applied on average.

For the 10509, 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)
$828 /yr.
Average Coverage:$1078 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1378 /yr.

What is the average home insurance cost for a home in 10509?

  • • The average homeowners insurance premium paid annually for a home in 10509 is around $1078 per year.

What does it cost on average per month for home insurance in 10509?

  • • Homeowners in 10509 pay a monthly average cost per month around $90.00.

What kind of discount could I get if I combine my home and auto insurance together in 10509?

  • • Autoowners in 10509 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 Brewster area, check out other zip codes nearby 10509.
Review average rates in another zip code:
10509 homeowners insurance rates

Home Replacement Cost Coverage in 10509

Average Building Cost Per Square Foot in 10509: $205

Location: Brewster, New York (Putnam County)

Average Square Footage in 10509: 1,796 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 10509 before you start any project. Brewster 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 10509 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 10509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,796 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 Brewster 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$2051,796$368,200
Additional Upgrades & Added Features$2561,796$460,250
Major Home Updates or Advancements$3081,796$552,300

It's important to understand that when you estimate your replacement cost of your home in the 10509 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 10509

Best Home & Auto Insurance Agencies in 10509

Brewster Hill Insurance Brokerage

Address: 16 Mt Ebo Rd S, Ste 12a Brewster, NY 10509
Phone:
Website: http://www.brewsterhillins.com/
Info:

Allstate Insurance Company

Address: 1525 Route 22 Brewster, NY 10509
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Spear, Pete - State Farm Insurance Agent

Address: 3820 Danbury Rd Brewster, NY 10509
Phone:
Website: http://www.national.citysearch.com/profile/external/666757570/brewster_ny/spear_pete_state_farm_insurance_agent.html
Info:

Truran Agency

Address: 1006 Route 22 Brewster, NY 10509
Phone:
Website: http://www.newyork.citysearch.com/profile/external/7244535/brewster_ny/truran_agency.html
Info:

Paul A Fucito - Nationwide Insurance

Address: 1663 Route 22 Patterson, NY 10509
Phone:
Website: http://www.national.citysearch.com/profile/666860020/brewster_ny/paul_a_fucito_nationwide_insurance.html
Info:

Housing Demographics for 10509

Population Review for 10509 Zip Code

For the city of Brewster, the population within 10509 has increased to over 19,570 residents in population size. The current population total is 19,501. We have broken down the population based on race below. In 10509, there are over 9812 in male population and 9689 females.

PopulationValues
Total Population19,501
White Population13875
Black Population574
Hispanic Population4731
Asian Population525
Hawaiian Population9
Indian Population131
Other Population2052
Male Population9812
Female Population9689
Population Estimate19570

Household Data for 10509

The average number of homes in 10509 is around 7,062, there are an average of 2.72 per household. The average house value according to local real estate values is around $368,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,062
Persons Per Household2.72
Average House Value$368,200
Income Per Household$111376
Median Age43.7
Median Age Male41.3
Median Age Female46.2
10509 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityBrewster
City Alias NameBREWSTER
CountyPutnam
County FIPS079
State FIPS36
Time Zone5
Day Light SavingY
MSA5602
PMSA5600
CSA408
CBSA35620
CBSA_DIV35614
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameNew York, NY PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses781
Number Of Employees8187
Business First Quarter Payroll104274
Business Annual Payroll481831
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 Population11576251
Congressional District04|17
Congressional LandArea460.73|382.63
Delivery Residential7195
Delivery Business715
Delivery Total8349
Preferred Last Line KeyV12265
Classification Code
Multi-CountyY
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNew York-Jersey City-White Plains, NY-NJ
City State KeyV12265
Land Area36.075000
Water Area3.341000
City Alias Code
City Mixed CaseBrewster
City Alias Mixed CaseBrewster
Box Count288
SFDU5852
MFDU468
State ANSI36
County ANSI079
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number350925
Unique ZIP Name
SSA State County Code33580
Medicare CBSA Code35614
Medicare CBSA NameNew York-Jersey City-White Plains, NY-NJ
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CasePutnam

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 […]