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Home Insurance in 12157
Our rates are very competitive for homeowners living in the 12157 zip code. Many homeowners based out of Schoharie, NY have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our NY licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 12157 should appear in the zip code field ready to go.
12157 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Schoharie area? The average homeowners premium in 12157 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 12157, you can expect to pay around $1040 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of New York. Start your 12157 home insurance shopping today!
12157 Home Insurance Average Premiums
$790 /yr.
Shows Zip Code: 12157 lowest rates with discounts applied on average.
For the 12157, 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) | $790 /yr. |
| Average Coverage: | $1040 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1340 /yr. |
What is the average home insurance cost for a home in 12157?
- • The average homeowners insurance premium paid annually for a home in 12157 is around $1040 per year.
What does it cost on average per month for home insurance in 12157?
- • Homeowners in 12157 pay a monthly average cost per month around $87.00.
What kind of discount could I get if I combine my home and auto insurance together in 12157?
- • Autoowners in 12157 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 Schoharie area, check out other zip codes nearby 12157.
Review average rates in another zip code:
12157 homeowners insurance rates
Home Replacement Cost Coverage in 12157
Average Building Cost Per Square Foot in 12157: $205
Location: Schoharie, New York (Schoharie County)Average Square Footage in 12157: 866 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12157 before you start any project. Schoharie 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 12157 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 12157 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 866 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 Schoharie 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 | 866 | $177,600 |
| Additional Upgrades & Added Features | $256 | 866 | $222,000 |
| Major Home Updates or Advancements | $308 | 866 | $266,400 |
It's important to understand that when you estimate your replacement cost of your home in the 12157 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 12157
Best Home & Auto Insurance Agencies in 12157
Housing Demographics for 12157
Population Review for 12157 Zip Code
For the city of Schoharie, the population within 12157 has increased to over 3,622 residents in population size. The current population total is 4,109. We have broken down the population based on race below. In 12157, there are over 2036 in male population and 2073 females.
| Population | Values |
|---|---|
| Total Population | 4,109 |
| White Population | 3826 |
| Black Population | 30 |
| Hispanic Population | 84 |
| Asian Population | 15 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 34 |
| Male Population | 2036 |
| Female Population | 2073 |
| Population Estimate | 3622 |
Household Data for 12157
The average number of homes in 12157 is around 1,769, there are an average of 2.31 per household. The average house value according to local real estate values is around $177,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,769 |
| Persons Per Household | 2.31 |
| Average House Value | $177,600 |
| Income Per Household | $66628 |
| Median Age | 48.9 |
| Median Age Male | 47.2 |
| Median Age Female | 50.7 |
| 12157 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 518/838 |
| City | Schoharie |
| City Alias Name | SCHOHARIE |
| 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 | 79 |
| Number Of Employees | 411 |
| Business First Quarter Payroll | 3353 |
| Business Annual Payroll | 17528 |
| 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 | 20|21 |
| Congressional LandArea | 1231.28|15114.76 |
| Delivery Residential | 1568 |
| Delivery Business | 44 |
| Delivery Total | 2012 |
| Preferred Last Line Key | V15964 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V15964 |
| Land Area | 50.195000 |
| Water Area | 0.095000 |
| City Alias Code | |
| City Mixed Case | Schoharie |
| City Alias Mixed Case | Schoharie |
| Box Count | 288 |
| SFDU | 1310 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 095 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 357550 |
| 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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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 […]
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
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What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]