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11955 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 11955 zip code it's important to know that our rates are very competitive for homeowners living in Moriches, NY. Many homeowners based out of your 11955 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 11955 should appear in the zip code field ready to go. For Moriches, NY Homeowners Insurance Quotes nearby, we offer the best rates and service.

11955: Average Home Insurance Rates

For homeowners living in the great city of Moriches, the average homeowners policy is considered high in comparison to other states. New York premiums are estimated to be around $1048 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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11955 Home Insurance Average Premiums

Local 11955 homeowners insurance quotes comparison

$798 /yr.

Shows Zip Code: 11955 lowest rates with discounts applied on average.

For the 11955, 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)
$798 /yr.
Average Coverage:$1048 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1348 /yr.

What is the average home insurance cost for a home in 11955?

  • • The average homeowners insurance premium paid annually for a home in 11955 is around $1048 per year.

What does it cost on average per month for home insurance in 11955?

  • • Homeowners in 11955 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 11955?

  • • Autoowners in 11955 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 Moriches area, check out other zip codes nearby 11955.
Review average rates in another zip code:
11955 homeowners insurance rates

Home Replacement Cost Coverage in 11955

Average Building Cost Per Square Foot in 11955: $205

Location: Moriches, New York (Suffolk County)

Average Square Footage in 11955: 1,747 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 11955 before you start any project. Moriches 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 11955 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 11955 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,747 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 Moriches 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$2051,747$358,100
Additional Upgrades & Added Features$2561,747$447,625
Major Home Updates or Advancements$3081,747$537,150

It's important to understand that when you estimate your replacement cost of your home in the 11955 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 11955

Best Home & Auto Insurance Agencies in 11955

Housing Demographics for 11955

Population Review for 11955 Zip Code

For the city of Moriches, the population within 11955 has increased to over 3,514 residents in population size. The current population total is 3,258. We have broken down the population based on race below. In 11955, there are over 1573 in male population and 1685 females.

PopulationValues
Total Population3,258
White Population2393
Black Population373
Hispanic Population410
Asian Population70
Hawaiian Population0
Indian Population18
Other Population117
Male Population1573
Female Population1685
Population Estimate3514

Household Data for 11955

The average number of homes in 11955 is around 1,499, there are an average of 2.16 per household. The average house value according to local real estate values is around $358,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,499
Persons Per Household2.16
Average House Value$358,100
Income Per Household$66148
Median Age46.1
Median Age Male42.6
Median Age Female49.1
11955 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code631/934
CityMoriches
City Alias NameMORICHES
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 Businesses66
Number Of Employees576
Business First Quarter Payroll4384
Business Annual Payroll19175
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 District02
Congressional LandArea182.01
Delivery Residential1627
Delivery Business50
Delivery Total2480
Preferred Last Line KeyV14748
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNassau County-Suffolk County, NY
City State KeyV14748
Land Area2.232000
Water Area0.227000
City Alias Code
City Mixed CaseMoriches
City Alias Mixed CaseMoriches
Box Count172
SFDU454
MFDU0
State ANSI36
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355485
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

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