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10514 Homeowners Insurance Quotes & Rates

Chappaqua residents living within the 4,018 homes available in the zip code of 10514 are shopping online to compare cheaper and more affordable Chappaqua, NY home insurance rates. In the great city of Chappaqua, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of New York is around $994 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 10514 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 10514 home insurance rates today! Please give us a call now at 1-855-976-2656. For Chappaqua, NY Homeowners Insurance Quotes, Click to easily get started!

10514 Home Insurance Average Premiums

Local 10514 homeowners insurance quotes comparison

$744 /yr.

Shows Zip Code: 10514 lowest rates with discounts applied on average.

For the 10514, 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)
$744 /yr.
Average Coverage:$994 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1294 /yr.

What is the average home insurance cost for a home in 10514?

  • • The average homeowners insurance premium paid annually for a home in 10514 is around $994 per year.

What does it cost on average per month for home insurance in 10514?

  • • Homeowners in 10514 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 10514?

  • • Autoowners in 10514 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 Chappaqua area, check out other zip codes nearby 10514.
Review average rates in another zip code:
10514 homeowners insurance rates

Home Replacement Cost Coverage in 10514

Average Building Cost Per Square Foot in 10514: $205

Location: Chappaqua, New York (Westchester County)

Average Square Footage in 10514: 4,420 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 10514 before you start any project. Chappaqua 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 10514 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 10514 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,420 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 Chappaqua 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$2054,420$906,000
Additional Upgrades & Added Features$2564,420$1,132,500
Major Home Updates or Advancements$3084,420$1,359,000

It's important to understand that when you estimate your replacement cost of your home in the 10514 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 10514

Best Home & Auto Insurance Agencies in 10514

Allstate Insurance Company - Stephen Greenberg

Address: 59 N Greeley Ave Chappaqua, NY 10514
Phone:
Website: http://www.northjersey.citysearch.com/profile/external/7246392/chappaqua_ny/greenberg_stephen_allstate_insurance_company.html
Info:

Nicolaysen Agency, Incorporated

Address: 77 S Greeley Ave Chappaqua, NY 10514
Phone:
Website: http://www.northjersey.citysearch.com/profile/664931490/chappaqua_ny/nicolaysen_agency_inc_.html
Info:

Housing Demographics for 10514

Population Review for 10514 Zip Code

For the city of Chappaqua, the population within 10514 has increased to over 12,670 residents in population size. The current population total is 12,568. We have broken down the population based on race below. In 10514, there are over 6166 in male population and 6402 females.

PopulationValues
Total Population12,568
White Population9615
Black Population132
Hispanic Population731
Asian Population1707
Hawaiian Population2
Indian Population6
Other Population249
Male Population6166
Female Population6402
Population Estimate12670

Household Data for 10514

The average number of homes in 10514 is around 4,018, there are an average of 3.12 per household. The average house value according to local real estate values is around $906,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,018
Persons Per Household3.12
Average House Value$906,000
Income Per Household$246991
Median Age42.4
Median Age Male41.7
Median Age Female42.8
10514 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code914
CityChappaqua
City Alias NameCHAPPAQUA
CountyWestchester
County FIPS119
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 Businesses348
Number Of Employees2514
Business First Quarter Payroll30630
Business Annual Payroll150515
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 District17
Congressional LandArea382.63
Delivery Residential4061
Delivery Business251
Delivery Total6068
Preferred Last Line KeyV12512
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNew York-Jersey City-White Plains, NY-NJ
City State KeyV12512
Land Area12.723000
Water Area0.114000
City Alias Code
City Mixed CaseChappaqua
City Alias Mixed CaseChappaqua
Box Count127
SFDU3601
MFDU105
State ANSI36
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number351400
Unique ZIP Name
SSA State County Code33800
Medicare CBSA Code35614
Medicare CBSA NameNew York-Jersey City-White Plains, NY-NJ
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseWestchester

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 […]