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11970 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 11970? There are over 200 occupied homes in the 11970 area. With a population size of 454, it's not uncommon for residence of South Jamesport, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,017 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 11970 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: South Jamesport, NY Home Insurance Rate Quotes

11970 Home Insurance Average Premiums

Local 11970 homeowners insurance quotes comparison

$767 /yr.

Shows Zip Code: 11970 lowest rates with discounts applied on average.

For the 11970, 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)		$767 /yr.
Average Coverage:$1017 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1317 /yr.

What is the average home insurance cost for a home in 11970?

  • • The average homeowners insurance premium paid annually for a home in 11970 is around $1017 per year.

What does it cost on average per month for home insurance in 11970?

  • • Homeowners in 11970 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 11970?

  • • Autoowners in 11970 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 South Jamesport area, check out other zip codes nearby 11970.
Review average rates in another zip code:
11970 homeowners insurance rates

Home Replacement Cost Coverage in 11970

Average Building Cost Per Square Foot in 11970: $205

Location: South Jamesport, New York (Suffolk County)

Average Square Footage in 11970: 3,391 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 11970 before you start any project. South Jamesport 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 11970 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 11970 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,391 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 South Jamesport 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$2053,391$695,200
Additional Upgrades & Added Features$2563,391$869,000
Major Home Updates or Advancements$3083,391$1,042,800

It's important to understand that when you estimate your replacement cost of your home in the 11970 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 11970

Best Home & Auto Insurance Agencies in 11970

Housing Demographics for 11970

Population Review for 11970 Zip Code

For the city of South Jamesport, the population within 11970 has increased to over 0 residents in population size. The current population total is 454. We have broken down the population based on race below. In 11970, there are over 214 in male population and 240 females.

PopulationValues
Total Population454
White Population409
Black Population5
Hispanic Population54
Asian Population1
Hawaiian Population0
Indian Population1
Other Population16
Male Population214
Female Population240
Population Estimate0

Household Data for 11970

The average number of homes in 11970 is around 200, there are an average of 2.27 per household. The average house value according to local real estate values is around $695,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode200
Persons Per Household2.27
Average House Value$695,200
Income Per Household$0
Median Age59.0
Median Age Male60.5
Median Age Female57.8
11970 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias AbbreviationS JAMESPORT
Area Code631/934
CitySouth Jamesport
City Alias NameSOUTH JAMESPORT
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 Businesses8
Number Of Employees23
Business First Quarter Payroll178
Business Annual Payroll1044
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 District01
Congressional LandArea650.02
Delivery Residential0
Delivery Business0
Delivery Total257
Preferred Last Line KeyV16196
Classification CodeP
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNassau County-Suffolk County, NY
City State KeyV16196
Land Area0.394000
Water Area0.023000
City Alias Code
City Mixed CaseSouth Jamesport
City Alias Mixed CaseSouth Jamesport
Box Count241
SFDU0
MFDU0
State ANSI36
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number357970
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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