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12037 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 12037? There are over 1,819 occupied homes in the 12037 area. With a population size of 3,895, it's not uncommon for residence of Chatham, 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 $1,062 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 12037 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: Chatham, NY Home Insurance Rate Quotes

12037 Home Insurance Average Premiums

Local 12037 homeowners insurance quotes comparison

$812 /yr.

Shows Zip Code: 12037 lowest rates with discounts applied on average.

For the 12037, 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)		$812 /yr.
Average Coverage:$1062 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1362 /yr.

What is the average home insurance cost for a home in 12037?

  • • The average homeowners insurance premium paid annually for a home in 12037 is around $1062 per year.

What does it cost on average per month for home insurance in 12037?

  • • Homeowners in 12037 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 12037?

  • • Autoowners in 12037 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 Chatham area, check out other zip codes nearby 12037.
Review average rates in another zip code:
12037 homeowners insurance rates

Home Replacement Cost Coverage in 12037

Average Building Cost Per Square Foot in 12037: $205

Location: Chatham, New York (Columbia County)

Average Square Footage in 12037: 1,287 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12037 before you start any project. Chatham 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 12037 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 12037 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,287 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 Chatham 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$2051,287$263,800
Additional Upgrades & Added Features$2561,287$329,750
Major Home Updates or Advancements$3081,287$395,700

It's important to understand that when you estimate your replacement cost of your home in the 12037 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 12037

Best Home & Auto Insurance Agencies in 12037

Housing Demographics for 12037

Population Review for 12037 Zip Code

For the city of Chatham, the population within 12037 has increased to over 3,774 residents in population size. The current population total is 3,895. We have broken down the population based on race below. In 12037, there are over 1854 in male population and 2041 females.

PopulationValues
Total Population3,895
White Population3464
Black Population83
Hispanic Population165
Asian Population39
Hawaiian Population0
Indian Population7
Other Population85
Male Population1854
Female Population2041
Population Estimate3774

Household Data for 12037

The average number of homes in 12037 is around 1,819, there are an average of 2.11 per household. The average house value according to local real estate values is around $263,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,819
Persons Per Household2.11
Average House Value$263,800
Income Per Household$82273
Median Age51.3
Median Age Male49.3
Median Age Female53.0
12037 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CityChatham
City Alias NameCHATHAM
CountyColumbia
County FIPS021
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA104
CBSA26460
CBSA_DIV
CBSA_TypeMicro
CBSA_NameHudson, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses155
Number Of Employees864
Business First Quarter Payroll8795
Business Annual Payroll40988
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population63096
CBSA Division Population0
Congressional District19
Congressional LandArea7937.02
Delivery Residential1789
Delivery Business180
Delivery Total2214
Preferred Last Line KeyV12531
Classification Code
Multi-County
CSA NameAlbany-Schenectady, NY
CBSA_DIV_Name
City State KeyV12531
Land Area36.195000
Water Area0.147000
City Alias Code
City Mixed CaseChatham
City Alias Mixed CaseChatham
Box Count163
SFDU1502
MFDU219
State ANSI36
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number351420
Unique ZIP Name
SSA State County Code33200
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseColumbia

New York Homeowners Insurance News & Information

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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]