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Home Insurance in 12194
Our rates are very competitive for homeowners living in the 12194 zip code. Many homeowners based out of West Fulton, 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 12194 should appear in the zip code field ready to go.
12194 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the West Fulton area? The average homeowners premium in 12194 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 12194, you can expect to pay around $1033 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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Get Home Insurance Quotes in 12194
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 12194 home insurance shopping today!
12194 Home Insurance Average Premiums
$783 /yr.
Shows Zip Code: 12194 lowest rates with discounts applied on average.
For the 12194, 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) | $783 /yr. |
| Average Coverage: | $1033 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1333 /yr. |
What is the average home insurance cost for a home in 12194?
- • The average homeowners insurance premium paid annually for a home in 12194 is around $1033 per year.
What does it cost on average per month for home insurance in 12194?
- • Homeowners in 12194 pay a monthly average cost per month around $86.00.
What kind of discount could I get if I combine my home and auto insurance together in 12194?
- • Autoowners in 12194 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 West Fulton area, check out other zip codes nearby 12194.
Review average rates in another zip code:
12194 homeowners insurance rates
Home Replacement Cost Coverage in 12194
Average Building Cost Per Square Foot in 12194: $205
Location: West Fulton, New York (Schoharie County)Average Square Footage in 12194: 810 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12194 before you start any project. West Fulton 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 12194 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 12194 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 810 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 West Fulton 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 | 810 | $166,100 |
| Additional Upgrades & Added Features | $256 | 810 | $207,625 |
| Major Home Updates or Advancements | $308 | 810 | $249,150 |
It's important to understand that when you estimate your replacement cost of your home in the 12194 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 12194
Best Home & Auto Insurance Agencies in 12194
Housing Demographics for 12194
Population Review for 12194 Zip Code
For the city of West Fulton, the population within 12194 has increased to over 195 residents in population size. The current population total is 176. We have broken down the population based on race below. In 12194, there are over 92 in male population and 84 females.
| Population | Values |
|---|---|
| Total Population | 176 |
| White Population | 160 |
| Black Population | 1 |
| Hispanic Population | 4 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 1 |
| Male Population | 92 |
| Female Population | 84 |
| Population Estimate | 195 |
Household Data for 12194
The average number of homes in 12194 is around 74, there are an average of 2.38 per household. The average house value according to local real estate values is around $166,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 74 |
| Persons Per Household | 2.38 |
| Average House Value | $166,100 |
| Income Per Household | $46250 |
| Median Age | 49.0 |
| Median Age Male | 55.0 |
| Median Age Female | 47.4 |
| 12194 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 607 |
| City | West Fulton |
| City Alias Name | WEST FULTON |
| 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 | 3 |
| Number Of Employees | 4 |
| Business First Quarter Payroll | 19 |
| Business Annual Payroll | 53 |
| 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 | 82 |
| Delivery Business | 1 |
| Delivery Total | 140 |
| Preferred Last Line Key | V16890 |
| Classification Code | |
| Multi-County | |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V16890 |
| Land Area | 16.474000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | West Fulton |
| City Alias Mixed Case | West Fulton |
| Box Count | 53 |
| SFDU | 82 |
| 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 | 359165 |
| 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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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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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 […]