12302, NY Homeowners Insurance Rates

With a population size of 27,618 and with 11,650 occupied homes in the 12302 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Schenectady, NY are around $996 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Schenectady, New York. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your New York home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Schenectady, NY.

For New York home insurance information, including average Schenectady home insurance rates, coverage options or the different homeowners insurance types, please select Schenectady, NY Home Insurance Quotes Now!

12302 Home Insurance Average Premiums

Local 12302 homeowners insurance quotes comparison

$746 /yr.

Shows Zip Code: 12302 lowest rates with discounts applied on average.

For the 12302, 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)	$746 /yr.
Average Coverage:	$996 /yr.
2600 sq. ft. or higher (all discounts applied)	$1296 /yr.

What is the average home insurance cost for a home in 12302?

• The average homeowners insurance premium paid annually for a home in 12302 is around $996 per year.

What does it cost on average per month for home insurance in 12302?

• Homeowners in 12302 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 12302?

• Autoowners in 12302 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 Schenectady area, check out other zip codes nearby 12302.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 12302

Average Building Cost Per Square Foot in 12302: $205

Location: Schenectady, New York (Schenectady County)

Average Square Footage in 12302: 948 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12302 before you start any project. Schenectady 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 12302 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 12302 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 948 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 Schenectady 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	948	$194,400
Additional Upgrades & Added Features	$256	948	$243,000
Major Home Updates or Advancements	$308	948	$291,600

Calculate Your Dwelling Coverage in 12302

It's important to understand that when you estimate your replacement cost of your home in the 12302 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 Home & Auto Insurance Agencies in 12302

Craig- John S

Address: 481 Saratoga Rd Schenectady, NY 12302
Phone:
Website:
Info:

Rowledge Agency, Incorporated

Address: 139 Mohawk Ave Schenectady, NY 12302
Phone:
Website: http://www.albany.citysearch.com/profile/662235510/schenectady_ny/rowledge_agency_inc.html
Info:

State Farm Insurance

Address: 119 Mohawk Ave Scotia, NY 12302
Phone:
Website: http://www.albany.citysearch.com/profile/external/7590452/scotia_ny/state_farm_insurance.html
Info:

Allstate Insurance Company - Julie Baldes

Address: 165 Freemans Bridge Rd Schenectady, NY 12302
Phone:
Website: http://www.albany.citysearch.com/profile/667538590/schenectady_ny/allstate_insurance_company_julie_baldes.html
Info:

Cal E Litts, Cpcu - Nationwide Insurance

Address: 324 Mohawk Ave Schenectady, NY 12302
Phone:
Website: http://www.albany.citysearch.com/profile/662315560/schenectady_ny/cal_e_litts_cpcu_nationwide_insurance.html
Info:

Housing Demographics for 12302

Population Review for 12302 Zip Code

For the city of Schenectady, the population within 12302 has increased to over 27,949 residents in population size. The current population total is 27,618. We have broken down the population based on race below. In 12302, there are over 13309 in male population and 14309 females.

Population	Values
Total Population	27,618
White Population	24393
Black Population	574
Hispanic Population	1037
Asian Population	529
Hawaiian Population	6
Indian Population	29
Other Population	284
Male Population	13309
Female Population	14309
Population Estimate	27949

Household Data for 12302

The average number of homes in 12302 is around 11,650, there are an average of 2.32 per household. The average house value according to local real estate values is around $194,400. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	11,650
Persons Per Household	2.32
Average House Value	$194,400
Income Per Household	$83692
Median Age	45.0
Median Age Male	42.5
Median Age Female	47.2

12302 Details	Values
State	NY
State Full Name	New York
City Type	P
City Alias Abbreviation
Area Code	518
City	Schenectady
City Alias Name	SCHENECTADY
County	Schenectady
County FIPS	093
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	523
Number Of Employees	7683
Business First Quarter Payroll	85387
Business Annual Payroll	357156
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
Congressional LandArea	1231.28
Delivery Residential	12047
Delivery Business	548
Delivery Total	12718
Preferred Last Line Key	V15958
Classification Code
Multi-County	Y
CSA Name	Albany-Schenectady, NY
CBSA_DIV_Name
City State Key	V15958
Land Area	43.371000
Water Area	1.268000
City Alias Code
City Mixed Case	Schenectady
City Alias Mixed Case	Schenectady
Box Count	80
SFDU	9758
MFDU	1449
State ANSI	36
County ANSI	093
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	357535
Unique ZIP Name
SSA State County Code	33650
Medicare CBSA Code	10580
Medicare CBSA Name	Albany-Schenectady-Troy, NY
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	Schenectady

New York Homeowners Insurance News & Information

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Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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