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11978 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 11978 zip code find a great new policy that offers the coverage they need at a price they can afford.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 11978 and start shopping.
Quickly and Easily Compare Average Rates for 11978
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Westhampton Beach, NY home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 11978
Homeowners in Westhampton Beach are paying roughly $1109 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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11978 Home Insurance Average Premiums
$859 /yr.
Shows Zip Code: 11978 lowest rates with discounts applied on average.
For the 11978, 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) | $859 /yr. |
| Average Coverage: | $1109 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1409 /yr. |
What is the average home insurance cost for a home in 11978?
- • The average homeowners insurance premium paid annually for a home in 11978 is around $1109 per year.
What does it cost on average per month for home insurance in 11978?
- • Homeowners in 11978 pay a monthly average cost per month around $92.00.
What kind of discount could I get if I combine my home and auto insurance together in 11978?
- • Autoowners in 11978 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 Westhampton Beach area, check out other zip codes nearby 11978.
Review average rates in another zip code:
11978 homeowners insurance rates
Home Replacement Cost Coverage in 11978
Average Building Cost Per Square Foot in 11978: $205
Location: Westhampton Beach, New York (Suffolk County)Average Square Footage in 11978: 3,698 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 11978 before you start any project. Westhampton Beach 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 11978 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 11978 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,698 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 Westhampton Beach 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 | 3,698 | $758,000 |
| Additional Upgrades & Added Features | $256 | 3,698 | $947,500 |
| Major Home Updates or Advancements | $308 | 3,698 | $1,137,000 |
It's important to understand that when you estimate your replacement cost of your home in the 11978 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 11978
Best Home & Auto Insurance Agencies in 11978
Allstate Insurance Company - Kevin Meyer
Address: 295 Montauk Hwy Westhampton Beach, NY 11978Phone:
Website: http://www.allstateagencies.com/003668?cid=OTC-YP.com-IYP&att=TL
Info:
Allstate Insurance Company - Susan Brennan
Address: 198 Montauk Hwy Westhampton Beach, NY 11978Phone:
Website: http://www.allstate.com/
Info:
Housing Demographics for 11978
Population Review for 11978 Zip Code
For the city of Westhampton Beach, the population within 11978 has increased to over 6,499 residents in population size. The current population total is 4,087. We have broken down the population based on race below. In 11978, there are over 2111 in male population and 1976 females.
| Population | Values |
|---|---|
| Total Population | 4,087 |
| White Population | 3002 |
| Black Population | 144 |
| Hispanic Population | 885 |
| Asian Population | 88 |
| Hawaiian Population | 0 |
| Indian Population | 66 |
| Other Population | 441 |
| Male Population | 2111 |
| Female Population | 1976 |
| Population Estimate | 6499 |
Household Data for 11978
The average number of homes in 11978 is around 1,506, there are an average of 2.64 per household. The average house value according to local real estate values is around $758,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,506 |
| Persons Per Household | 2.64 |
| Average House Value | $758,000 |
| Income Per Household | $101444 |
| Median Age | 43.4 |
| Median Age Male | 40.8 |
| Median Age Female | 45.3 |
| 11978 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | W HAMPTON BCH |
| Area Code | 631/934 |
| City | Westhampton Beach |
| City Alias Name | WESTHAMPTON BEACH |
| 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 | 319 |
| Number Of Employees | 1961 |
| Business First Quarter Payroll | 23130 |
| Business Annual Payroll | 117170 |
| 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 | 2462 |
| Delivery Business | 358 |
| Delivery Total | 3417 |
| Preferred Last Line Key | V16978 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | Nassau County-Suffolk County, NY |
| City State Key | V16978 |
| Land Area | 10.167000 |
| Water Area | 2.376000 |
| City Alias Code | |
| City Mixed Case | Westhampton Beach |
| City Alias Mixed Case | Westhampton Beach |
| Box Count | 456 |
| SFDU | 2257 |
| MFDU | 10 |
| State ANSI | 36 |
| County ANSI | 103 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 359185 |
| 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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