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12422 Home Insurance Rates & Premiums

Did you know there are over 354 people living within the 12422 zip code area? There are over 157 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 12422.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $1,024 a year for a standard homeowners insurance policy in Durham. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Durham, NY Homeowners Insurance Quotes Online

12422 Home Insurance Average Premiums

Local 12422 homeowners insurance quotes comparison

$774 /yr.

Shows Zip Code: 12422 lowest rates with discounts applied on average.

For the 12422, 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)		$774 /yr.
Average Coverage:$1024 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1324 /yr.

What is the average home insurance cost for a home in 12422?

  • • The average homeowners insurance premium paid annually for a home in 12422 is around $1024 per year.

What does it cost on average per month for home insurance in 12422?

  • • Homeowners in 12422 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 12422?

  • • Autoowners in 12422 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 Durham area, check out other zip codes nearby 12422.
Review average rates in another zip code:
12422 homeowners insurance rates

Home Replacement Cost Coverage in 12422

Average Building Cost Per Square Foot in 12422: $205

Location: Durham, New York (Greene County)

Average Square Footage in 12422: 976 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12422 before you start any project. Durham 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 12422 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 12422 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 976 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 Durham 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$205976$200,000
Additional Upgrades & Added Features$256976$250,000
Major Home Updates or Advancements$308976$300,000

It's important to understand that when you estimate your replacement cost of your home in the 12422 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 12422

Best Home & Auto Insurance Agencies in 12422

Housing Demographics for 12422

Population Review for 12422 Zip Code

For the city of Durham, the population within 12422 has increased to over 285 residents in population size. The current population total is 354. We have broken down the population based on race below. In 12422, there are over 203 in male population and 151 females.

PopulationValues
Total Population354
White Population329
Black Population3
Hispanic Population14
Asian Population1
Hawaiian Population0
Indian Population4
Other Population4
Male Population203
Female Population151
Population Estimate285

Household Data for 12422

The average number of homes in 12422 is around 157, there are an average of 2.25 per household. The average house value according to local real estate values is around $200,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode157
Persons Per Household2.25
Average House Value$200,000
Income Per Household$51600
Median Age43.9
Median Age Male45.5
Median Age Female41.4
12422 DetailsValues
StateNY
State Full NameNew York
City TypeN
City Alias Abbreviation
Area Code518/838
CityDurham
City Alias NameDURHAM
CountyGreene
County FIPS039
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees44
Business First Quarter Payroll338
Business Annual Payroll1671
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District19
Congressional LandArea7937.02
Delivery Residential127
Delivery Business6
Delivery Total140
Preferred Last Line Key015128
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key015128
Land Area9.962000
Water Area0.005000
City Alias Code
City Mixed CaseDurham
City Alias Mixed CaseDurham
Box Count7
SFDU127
MFDU0
State ANSI36
County ANSI039
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number356085
Unique ZIP Name
SSA State County Code33300
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseGreene

New York Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • 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 […]

  • 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 […]