Compare quotes for your home in 12165! Compare the best 12 carriers in minutes.
12165 Home Insurance Rates
Getting multiple homeowners insurance rates in 12165 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Spencertown, NY. Many homeowners based out of the 12165 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our New York licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 12165 should appear in the zip code field ready to go. For Spencertown, NY Home Insurance Quotes, Click to easily get started!
12165 Homeowners Insurance Rates, Average Rating: High!
Your homeowners insurance policy in 12165 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Spencertown. For a basic HO-3, standard homeowners policy, the average premium per year in New York is around $986. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 12165 zip code today and let us help you save time and money on your homeowners insurance premium.
12165 Home Insurance Average Premiums
$736 /yr.
Shows Zip Code: 12165 lowest rates with discounts applied on average.
For the 12165, 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) | $736 /yr. |
| Average Coverage: | $986 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1286 /yr. |
What is the average home insurance cost for a home in 12165?
- • The average homeowners insurance premium paid annually for a home in 12165 is around $986 per year.
What does it cost on average per month for home insurance in 12165?
- • Homeowners in 12165 pay a monthly average cost per month around $82.00.
What kind of discount could I get if I combine my home and auto insurance together in 12165?
- • Autoowners in 12165 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 Spencertown area, check out other zip codes nearby 12165.
Review average rates in another zip code:
12165 homeowners insurance rates
Home Replacement Cost Coverage in 12165
Average Building Cost Per Square Foot in 12165: $205
Location: Spencertown, New York (Columbia County)Average Square Footage in 12165: 1,643 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12165 before you start any project. Spencertown 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 12165 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 12165 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,643 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 Spencertown 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 | 1,643 | $336,800 |
| Additional Upgrades & Added Features | $256 | 1,643 | $421,000 |
| Major Home Updates or Advancements | $308 | 1,643 | $505,200 |
It's important to understand that when you estimate your replacement cost of your home in the 12165 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 12165
Best Home & Auto Insurance Agencies in 12165
Housing Demographics for 12165
Population Review for 12165 Zip Code
For the city of Spencertown, the population within 12165 has increased to over 87 residents in population size. The current population total is 146. We have broken down the population based on race below. In 12165, there are over 99 in male population and 47 females.
| Population | Values |
|---|---|
| Total Population | 146 |
| White Population | 135 |
| Black Population | 1 |
| Hispanic Population | 10 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 0 |
| Male Population | 99 |
| Female Population | 47 |
| Population Estimate | 87 |
Household Data for 12165
The average number of homes in 12165 is around 93, there are an average of 1.57 per household. The average house value according to local real estate values is around $336,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 93 |
| Persons Per Household | 1.57 |
| Average House Value | $336,800 |
| Income Per Household | $0 |
| Median Age | 63.0 |
| Median Age Male | 63.8 |
| Median Age Female | 59.5 |
| 12165 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 518 |
| City | Spencertown |
| City Alias Name | SPENCERTOWN |
| County | Columbia |
| County FIPS | 021 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 104 |
| CBSA | 26460 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Hudson, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 10 |
| Number Of Employees | 125 |
| Business First Quarter Payroll | 3894 |
| Business Annual Payroll | 12350 |
| 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 | 63096 |
| CBSA Division Population | 0 |
| Congressional District | 19 |
| Congressional LandArea | 7937.02 |
| Delivery Residential | 56 |
| Delivery Business | 2 |
| Delivery Total | 275 |
| Preferred Last Line Key | V16252 |
| Classification Code | |
| Multi-County | |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V16252 |
| Land Area | 1.691000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Spencertown |
| City Alias Mixed Case | Spencertown |
| Box Count | 187 |
| SFDU | 56 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 021 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 358075 |
| Unique ZIP Name | |
| SSA State County Code | 33200 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Columbia |
New York Homeowners Insurance News & Information
-
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
-
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
-
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]