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12131 Home Insurance Rates & Premiums

Did you know there are over 135 people living within the 12131 zip code area? There are over 64 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 12131.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $1,025 a year for a standard homeowners insurance policy in North Blenheim. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: North Blenheim, NY Homeowners Insurance Quotes Online

12131 Home Insurance Average Premiums

Local 12131 homeowners insurance quotes comparison

$775 /yr.

Shows Zip Code: 12131 lowest rates with discounts applied on average.

For the 12131, 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 12131?

  • • The average homeowners insurance premium paid annually for a home in 12131 is around $1025 per year.

What does it cost on average per month for home insurance in 12131?

  • • Homeowners in 12131 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 12131?

  • • Autoowners in 12131 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 North Blenheim area, check out other zip codes nearby 12131.
Review average rates in another zip code:
12131 homeowners insurance rates

Home Replacement Cost Coverage in 12131

Average Building Cost Per Square Foot in 12131: $205

Location: North Blenheim, New York (Schoharie County)

Average Square Footage in 12131: 569 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12131 before you start any project. North Blenheim 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 12131 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 12131 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 569 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 North Blenheim 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$205569$116,700
Additional Upgrades & Added Features$256569$145,875
Major Home Updates or Advancements$308569$175,050

It's important to understand that when you estimate your replacement cost of your home in the 12131 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 12131

Best Home & Auto Insurance Agencies in 12131

Housing Demographics for 12131

Population Review for 12131 Zip Code

For the city of North Blenheim, the population within 12131 has increased to over 145 residents in population size. The current population total is 135. We have broken down the population based on race below. In 12131, there are over 69 in male population and 66 females.

PopulationValues
Total Population135
White Population121
Black Population1
Hispanic Population4
Asian Population1
Hawaiian Population0
Indian Population1
Other Population3
Male Population69
Female Population66
Population Estimate145

Household Data for 12131

The average number of homes in 12131 is around 64, there are an average of 2.11 per household. The average house value according to local real estate values is around $116,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode64
Persons Per Household2.11
Average House Value$116,700
Income Per Household$38750
Median Age53.5
Median Age Male55.5
Median Age Female50.8
12131 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias AbbreviationN BLENHEIM
Area Code607
CityNorth Blenheim
City Alias NameNORTH BLENHEIM
CountySchoharie
County FIPS095
State FIPS36
Time Zone5
Day Light SavingY
MSA0160
PMSA
CSA104
CBSA10580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAlbany-Schenectady-Troy, NY
MSA_NameAlbany-Schenectady-Troy, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees19
Business First Quarter Payroll143
Business Annual Payroll672
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population870716
CBSA Division Population0
Congressional District21
Congressional LandArea15114.76
Delivery Residential69
Delivery Business4
Delivery Total142
Preferred Last Line KeyV15038
Classification Code
Multi-County
CSA NameAlbany-Schenectady, NY
CBSA_DIV_Name
City State KeyV15038
Land Area11.608000
Water Area0.442000
City Alias Code
City Mixed CaseNorth Blenheim
City Alias Mixed CaseNorth Blenheim
Box Count54
SFDU69
MFDU0
State ANSI36
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355900
Unique ZIP Name
SSA State County Code33660
Medicare CBSA Code10580
Medicare CBSA NameAlbany-Schenectady-Troy, NY
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseSchoharie

New York Homeowners Insurance News & Information

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

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  • 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 […]