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Check Out 12440 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in High Falls, NY.

We will gather some basic information about your home in High Falls, NY and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of New York licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 12440 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 12440

We have pulled together a variety of data related to homeowners insurance in New York. Simply click on one of the links below to learn about the average cost of homeowners insurance in New York as well as local coverage options.

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

12440 Homeowners Insurance Rates, Average Rating: high!

Homeowners insurance policies in 12440 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in New York is roughly $963. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 12440 homeowners insurance policy!

12440 Home Insurance Average Premiums

Local 12440 homeowners insurance quotes comparison

$713 /yr.

Shows Zip Code: 12440 lowest rates with discounts applied on average.

For the 12440, 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)
$713 /yr.
Average Coverage:$963 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1263 /yr.

What is the average home insurance cost for a home in 12440?

  • • The average homeowners insurance premium paid annually for a home in 12440 is around $963 per year.

What does it cost on average per month for home insurance in 12440?

  • • Homeowners in 12440 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 12440?

  • • Autoowners in 12440 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 High Falls area, check out other zip codes nearby 12440.
Review average rates in another zip code:
12440 homeowners insurance rates

Home Replacement Cost Coverage in 12440

Average Building Cost Per Square Foot in 12440: $205

Location: High Falls, New York (Ulster County)

Average Square Footage in 12440: 1,604 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12440 before you start any project. High Falls 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 12440 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 12440 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,604 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 High Falls 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$2051,604$328,900
Additional Upgrades & Added Features$2561,604$411,125
Major Home Updates or Advancements$3081,604$493,350

It's important to understand that when you estimate your replacement cost of your home in the 12440 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 12440

Best Home & Auto Insurance Agencies in 12440

Housing Demographics for 12440

Population Review for 12440 Zip Code

For the city of High Falls, the population within 12440 has increased to over 1,781 residents in population size. The current population total is 1,863. We have broken down the population based on race below. In 12440, there are over 873 in male population and 990 females.

PopulationValues
Total Population1,863
White Population1607
Black Population41
Hispanic Population132
Asian Population20
Hawaiian Population0
Indian Population3
Other Population31
Male Population873
Female Population990
Population Estimate1781

Household Data for 12440

The average number of homes in 12440 is around 890, there are an average of 2.06 per household. The average house value according to local real estate values is around $328,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode890
Persons Per Household2.06
Average House Value$328,900
Income Per Household$93250
Median Age50.0
Median Age Male48.7
Median Age Female52.4
12440 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityHigh Falls
City Alias NameHIGH FALLS
CountyUlster
County FIPS111
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA408
CBSA28740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameKingston, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses53
Number Of Employees303
Business First Quarter Payroll2453
Business Annual Payroll11924
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population182493
CBSA Division Population0
Congressional District18
Congressional LandArea1353.42
Delivery Residential865
Delivery Business30
Delivery Total1123
Preferred Last Line KeyV13858
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV13858
Land Area20.048000
Water Area0.306000
City Alias Code
City Mixed CaseHigh Falls
City Alias Mixed CaseHigh Falls
Box Count178
SFDU865
MFDU0
State ANSI36
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number353785
Unique ZIP Name
SSA State County Code33740
Medicare CBSA Code28740
Medicare CBSA NameKingston, NY
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseUlster

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 […]