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12043, NY Homeowners Insurance Rates
With a population size of 7,883 and with 3,139 occupied homes in the 12043 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Cobleskill, NY are around $1,025 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Cobleskill, New York. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!
It's important to know that if your New York home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Cobleskill, NY.
For New York home insurance information, including average Cobleskill home insurance rates, coverage options or the different homeowners insurance types, please select Cobleskill, NY Home Insurance Quotes Now!
12043 Home Insurance Average Premiums
$775 /yr.
Shows Zip Code: 12043 lowest rates with discounts applied on average.
For the 12043, 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 12043?
- • The average homeowners insurance premium paid annually for a home in 12043 is around $1025 per year.
What does it cost on average per month for home insurance in 12043?
- • Homeowners in 12043 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 12043?
- • Autoowners in 12043 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 Cobleskill area, check out other zip codes nearby 12043.
Review average rates in another zip code:
12043 homeowners insurance rates
Home Replacement Cost Coverage in 12043
Average Building Cost Per Square Foot in 12043: $205
Location: Cobleskill, New York (Schoharie County)Average Square Footage in 12043: 719 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12043 before you start any project. Cobleskill 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 12043 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 12043 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 719 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 Cobleskill 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 | 719 | $147,400 |
| Additional Upgrades & Added Features | $256 | 719 | $184,250 |
| Major Home Updates or Advancements | $308 | 719 | $221,100 |
It's important to understand that when you estimate your replacement cost of your home in the 12043 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 12043
Best Home & Auto Insurance Agencies in 12043
Colonial Financial
Address: 1 West St Cobleskill, NY 12043Phone:
Website:
Info:
State Farm Insurance - La Rose Maureen
Address: 980 E Main St, #3 Cobleskill, NY 12043Phone:
Website: http://www.albany.citysearch.com/profile/7563912/cobleskill_ny/state_farm_insurance_la_rose_maureen.html
Info:
Housing Demographics for 12043
Population Review for 12043 Zip Code
For the city of Cobleskill, the population within 12043 has increased to over 6,671 residents in population size. The current population total is 7,883. We have broken down the population based on race below. In 12043, there are over 3805 in male population and 4078 females.
| Population | Values |
|---|---|
| Total Population | 7,883 |
| White Population | 7122 |
| Black Population | 153 |
| Hispanic Population | 392 |
| Asian Population | 105 |
| Hawaiian Population | 2 |
| Indian Population | 28 |
| Other Population | 87 |
| Male Population | 3805 |
| Female Population | 4078 |
| Population Estimate | 6671 |
Household Data for 12043
The average number of homes in 12043 is around 3,139, there are an average of 2.15 per household. The average house value according to local real estate values is around $147,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,139 |
| Persons Per Household | 2.15 |
| Average House Value | $147,400 |
| Income Per Household | $62204 |
| Median Age | 38.6 |
| Median Age Male | 36.9 |
| Median Age Female | 40.1 |
| 12043 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 518/838 |
| City | Cobleskill |
| City Alias Name | COBLESKILL |
| County | Schoharie |
| County FIPS | 095 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 0160 |
| PMSA | |
| CSA | 104 |
| CBSA | 10580 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Albany-Schenectady-Troy, NY |
| MSA_Name | Albany-Schenectady-Troy, NY MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 210 |
| Number Of Employees | 2586 |
| Business First Quarter Payroll | 24339 |
| Business Annual Payroll | 112436 |
| 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 | 870716 |
| CBSA Division Population | 0 |
| Congressional District | 21 |
| Congressional LandArea | 15114.76 |
| Delivery Residential | 3103 |
| Delivery Business | 226 |
| Delivery Total | 3690 |
| Preferred Last Line Key | V12656 |
| Classification Code | |
| Multi-County | |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V12656 |
| Land Area | 63.595000 |
| Water Area | 0.252000 |
| City Alias Code | |
| City Mixed Case | Cobleskill |
| City Alias Mixed Case | Cobleskill |
| Box Count | 256 |
| SFDU | 2798 |
| MFDU | 123 |
| State ANSI | 36 |
| County ANSI | 095 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 351695 |
| Unique ZIP Name | |
| SSA State County Code | 33660 |
| Medicare CBSA Code | 10580 |
| Medicare CBSA Name | Albany-Schenectady-Troy, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Schoharie |
New York Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]