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If you live in the 11946 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Hampton Bays have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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11946 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 11946 the average premium for homeowners coverage is $1066 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 11946. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
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11946 Home Insurance Average Premiums
$816 /yr.
Shows Zip Code: 11946 lowest rates with discounts applied on average.
For the 11946, 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) | $816 /yr. |
| Average Coverage: | $1066 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1366 /yr. |
What is the average home insurance cost for a home in 11946?
- • The average homeowners insurance premium paid annually for a home in 11946 is around $1066 per year.
What does it cost on average per month for home insurance in 11946?
- • Homeowners in 11946 pay a monthly average cost per month around $89.00.
What kind of discount could I get if I combine my home and auto insurance together in 11946?
- • Autoowners in 11946 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 Hampton Bays area, check out other zip codes nearby 11946.
Review average rates in another zip code:
11946 homeowners insurance rates
Home Replacement Cost Coverage in 11946
Average Building Cost Per Square Foot in 11946: $205
Location: Hampton Bays, New York (Suffolk County)Average Square Footage in 11946: 2,841 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 11946 before you start any project. Hampton Bays 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 11946 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 11946 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,841 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 Hampton Bays 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 | 2,841 | $582,500 |
| Additional Upgrades & Added Features | $256 | 2,841 | $728,125 |
| Major Home Updates or Advancements | $308 | 2,841 | $873,750 |
It's important to understand that when you estimate your replacement cost of your home in the 11946 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 11946
Best Home & Auto Insurance Agencies in 11946
Benincasa, Joe - State Farm Insurance Agent
Address: 44 E Montauk Hwy Hampton Bays, NY 11946Phone:
Website: http://www.longisland.citysearch.com/profile/external/640175980/hampton_bays_ny/benincasa_joe_state_farm_insurance_agent.html
Info:
Allstate Insurance Company - Kenneth Pagano
Address: 17 W Montauk Hwy Hampton Bays, NY 11946Phone:
Website: http://www.allstateagencies.com/KenPagano/Welcome/
Info:
Housing Demographics for 11946
Population Review for 11946 Zip Code
For the city of Hampton Bays, the population within 11946 has increased to over 19,298 residents in population size. The current population total is 15,535. We have broken down the population based on race below. In 11946, there are over 7778 in male population and 7757 females.
| Population | Values |
|---|---|
| Total Population | 15,535 |
| White Population | 9581 |
| Black Population | 187 |
| Hispanic Population | 5933 |
| Asian Population | 183 |
| Hawaiian Population | 1 |
| Indian Population | 119 |
| Other Population | 3340 |
| Male Population | 7778 |
| Female Population | 7757 |
| Population Estimate | 19298 |
Household Data for 11946
The average number of homes in 11946 is around 5,761, there are an average of 2.69 per household. The average house value according to local real estate values is around $582,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 5,761 |
| Persons Per Household | 2.69 |
| Average House Value | $582,500 |
| Income Per Household | $103996 |
| Median Age | 42.0 |
| Median Age Male | 40.8 |
| Median Age Female | 43.3 |
| 11946 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 631/934 |
| City | Hampton Bays |
| City Alias Name | HAMPTON BAYS |
| County | Suffolk |
| County FIPS | 103 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 5602 |
| PMSA | 5380 |
| CSA | 408 |
| CBSA | 35620 |
| CBSA_DIV | 35004 |
| 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 | Nassau-Suffolk, NY PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 645 |
| Number Of Employees | 3437 |
| Business First Quarter Payroll | 32672 |
| Business Annual Payroll | 175613 |
| 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 | 2832882 |
| Congressional District | 01 |
| Congressional LandArea | 650.02 |
| Delivery Residential | 7174 |
| Delivery Business | 360 |
| Delivery Total | 8627 |
| Preferred Last Line Key | V13736 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | Nassau County-Suffolk County, NY |
| City State Key | V13736 |
| Land Area | 13.501000 |
| Water Area | 7.614000 |
| City Alias Code | |
| City Mixed Case | Hampton Bays |
| City Alias Mixed Case | Hampton Bays |
| Box Count | 511 |
| SFDU | 6408 |
| MFDU | 4 |
| State ANSI | 36 |
| County ANSI | 103 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 353565 |
| Unique ZIP Name | |
| SSA State County Code | 33700 |
| Medicare CBSA Code | 35004 |
| Medicare CBSA Name | Nassau County-Suffolk County, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Suffolk |
New York Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]