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Quickly Revew Homeowners Insurance in 12186

If you own a home in Voorheesville, NY you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 12186 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our New York licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 12186 and start comparing rates now.

12186 Homeowners Insurance Rates Are Considered: high!

The average rate for a standard homeowners policy in 12186 is $975 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 12186 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Voorheesville, NY home insurance quotes in your local city and review the most competitive coverages and premiums.

12186 Home Insurance Average Premiums

Local 12186 homeowners insurance quotes comparison

$725 /yr.

Shows Zip Code: 12186 lowest rates with discounts applied on average.

For the 12186, 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)
$725 /yr.
Average Coverage:$975 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1275 /yr.

What is the average home insurance cost for a home in 12186?

  • • The average homeowners insurance premium paid annually for a home in 12186 is around $975 per year.

What does it cost on average per month for home insurance in 12186?

  • • Homeowners in 12186 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 12186?

  • • Autoowners in 12186 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 Voorheesville area, check out other zip codes nearby 12186.
Review average rates in another zip code:
12186 homeowners insurance rates

Home Replacement Cost Coverage in 12186

Average Building Cost Per Square Foot in 12186: $205

Location: Voorheesville, New York (Albany County)

Average Square Footage in 12186: 1,300 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12186 before you start any project. Voorheesville 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 12186 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 12186 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,300 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 Voorheesville 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$2051,300$266,600
Additional Upgrades & Added Features$2561,300$333,250
Major Home Updates or Advancements$3081,300$399,900

It's important to understand that when you estimate your replacement cost of your home in the 12186 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 12186

Best Home & Auto Insurance Agencies in 12186

Housing Demographics for 12186

Population Review for 12186 Zip Code

For the city of Voorheesville, the population within 12186 has increased to over 6,570 residents in population size. The current population total is 6,485. We have broken down the population based on race below. In 12186, there are over 3129 in male population and 3356 females.

PopulationValues
Total Population6,485
White Population5863
Black Population56
Hispanic Population183
Asian Population146
Hawaiian Population0
Indian Population14
Other Population56
Male Population3129
Female Population3356
Population Estimate6570

Household Data for 12186

The average number of homes in 12186 is around 2,676, there are an average of 2.42 per household. The average house value according to local real estate values is around $266,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,676
Persons Per Household2.42
Average House Value$266,600
Income Per Household$108654
Median Age45.9
Median Age Male45.4
Median Age Female46.7
12186 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CityVoorheesville
City Alias NameVOORHEESVILLE
CountyAlbany
County FIPS001
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 Businesses104
Number Of Employees848
Business First Quarter Payroll10877
Business Annual Payroll49248
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 District20
Congressional LandArea1231.28
Delivery Residential2715
Delivery Business60
Delivery Total3021
Preferred Last Line KeyV16711
Classification Code
Multi-County
CSA NameAlbany-Schenectady, NY
CBSA_DIV_Name
City State KeyV16711
Land Area33.115000
Water Area0.439000
City Alias Code
City Mixed CaseVoorheesville
City Alias Mixed CaseVoorheesville
Box Count101
SFDU2627
MFDU10
State ANSI36
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number358805
Unique ZIP Name
SSA State County Code33000
Medicare CBSA Code10580
Medicare CBSA NameAlbany-Schenectady-Troy, NY
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseAlbany

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