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12032 Home Insurance Quotes & Rates
Currently, the 413 homes within the 12032 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for New York is around $1,025 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Caroga Lake, NY, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 12032.
New York is now ranking #16 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Caroga Lake home insurance quotes all in one place then GetHomeInsuranceQuotes.com of New York has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 12032 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Caroga Lake, New York home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Caroga Lake, NY Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
12032 Home Insurance Average Premiums
$775 /yr.
Shows Zip Code: 12032 lowest rates with discounts applied on average.
For the 12032, 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) | $775 /yr. |
| Average Coverage: | $1025 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1325 /yr. |
What is the average home insurance cost for a home in 12032?
- • The average homeowners insurance premium paid annually for a home in 12032 is around $1025 per year.
What does it cost on average per month for home insurance in 12032?
- • Homeowners in 12032 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 12032?
- • Autoowners in 12032 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 Caroga Lake area, check out other zip codes nearby 12032.
Review average rates in another zip code:
12032 homeowners insurance rates
Home Replacement Cost Coverage in 12032
Average Building Cost Per Square Foot in 12032: $205
Location: Caroga Lake, New York (Fulton County)Average Square Footage in 12032: 760 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12032 before you start any project. Caroga Lake 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 12032 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 12032 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 760 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 Caroga Lake 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 | 760 | $155,700 |
| Additional Upgrades & Added Features | $256 | 760 | $194,625 |
| Major Home Updates or Advancements | $308 | 760 | $233,550 |
It's important to understand that when you estimate your replacement cost of your home in the 12032 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 12032
Best Home & Auto Insurance Agencies in 12032
Housing Demographics for 12032
Population Review for 12032 Zip Code
For the city of Caroga Lake, the population within 12032 has increased to over 216 residents in population size. The current population total is 834. We have broken down the population based on race below. In 12032, there are over 447 in male population and 387 females.
| Population | Values |
|---|---|
| Total Population | 834 |
| White Population | 789 |
| Black Population | 0 |
| Hispanic Population | 12 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 4 |
| Male Population | 447 |
| Female Population | 387 |
| Population Estimate | 216 |
Household Data for 12032
The average number of homes in 12032 is around 413, there are an average of 2.02 per household. The average house value according to local real estate values is around $155,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 413 |
| Persons Per Household | 2.02 |
| Average House Value | $155,700 |
| Income Per Household | $61250 |
| Median Age | 53.7 |
| Median Age Male | 54.4 |
| Median Age Female | 53.4 |
| 12032 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 518/838 |
| City | Caroga Lake |
| City Alias Name | CAROGA LAKE |
| County | Fulton |
| County FIPS | 035 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 104 |
| CBSA | 24100 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Gloversville, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 22 |
| Number Of Employees | 86 |
| Business First Quarter Payroll | 413 |
| Business Annual Payroll | 2056 |
| 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 | 55531 |
| CBSA Division Population | 0 |
| Congressional District | 21 |
| Congressional LandArea | 15114.76 |
| Delivery Residential | 107 |
| Delivery Business | 3 |
| Delivery Total | 734 |
| Preferred Last Line Key | V12435 |
| Classification Code | |
| Multi-County | |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V12435 |
| Land Area | 93.599000 |
| Water Area | 4.476000 |
| City Alias Code | |
| City Mixed Case | Caroga Lake |
| City Alias Mixed Case | Caroga Lake |
| Box Count | 588 |
| SFDU | 107 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 035 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 351230 |
| Unique ZIP Name | |
| SSA State County Code | 33280 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Fulton |
New York Homeowners Insurance News & Information
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]
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Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]