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12458 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 12458? There are over 852 occupied homes in the 12458 area. With a population size of 3,488, it's not uncommon for residence of Napanoch, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,006 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 12458 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Napanoch, NY Home Insurance Rate Quotes

12458 Home Insurance Average Premiums

Local 12458 homeowners insurance quotes comparison

$756 /yr.

Shows Zip Code: 12458 lowest rates with discounts applied on average.

For the 12458, 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)
$756 /yr.
Average Coverage:$1006 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1306 /yr.

What is the average home insurance cost for a home in 12458?

  • • The average homeowners insurance premium paid annually for a home in 12458 is around $1006 per year.

What does it cost on average per month for home insurance in 12458?

  • • Homeowners in 12458 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 12458?

  • • Autoowners in 12458 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 Napanoch area, check out other zip codes nearby 12458.
Review average rates in another zip code:
12458 homeowners insurance rates

Home Replacement Cost Coverage in 12458

Average Building Cost Per Square Foot in 12458: $205

Location: Napanoch, New York (Ulster County)

Average Square Footage in 12458: 671 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12458 before you start any project. Napanoch 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 12458 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 12458 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 671 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 Napanoch 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$205671$137,500
Additional Upgrades & Added Features$256671$171,875
Major Home Updates or Advancements$308671$206,250

It's important to understand that when you estimate your replacement cost of your home in the 12458 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 12458

Best Home & Auto Insurance Agencies in 12458

Squillante, Michael D - State Farm Insurance Agent

Address: 106 Shoprite Blvd Napanoch, NY 12458
Phone:
Website: http://www.catskills.citysearch.com/profile/external/46266448/ellenville_ny/squillante_michael_d_state_farm_insurance_agent.html
Info:

Housing Demographics for 12458

Population Review for 12458 Zip Code

For the city of Napanoch, the population within 12458 has increased to over 2,048 residents in population size. The current population total is 3,488. We have broken down the population based on race below. In 12458, there are over 2419 in male population and 1069 females.

PopulationValues
Total Population3,488
White Population1994
Black Population917
Hispanic Population710
Asian Population46
Hawaiian Population1
Indian Population37
Other Population296
Male Population2419
Female Population1069
Population Estimate2048

Household Data for 12458

The average number of homes in 12458 is around 852, there are an average of 2.43 per household. The average house value according to local real estate values is around $137,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode852
Persons Per Household2.43
Average House Value$137,500
Income Per Household$55658
Median Age42.0
Median Age Male41.6
Median Age Female44.1
12458 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityNapanoch
City Alias NameNAPANOCH
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 Businesses24
Number Of Employees316
Business First Quarter Payroll2239
Business Annual Payroll11023
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|19
Congressional LandArea1353.42|7937.02
Delivery Residential843
Delivery Business7
Delivery Total1285
Preferred Last Line KeyV14903
Classification Code
Multi-CountyY
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV14903
Land Area39.506000
Water Area2.333000
City Alias Code
City Mixed CaseNapanoch
City Alias Mixed CaseNapanoch
Box Count398
SFDU742
MFDU0
State ANSI36
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355620
Unique ZIP Name
SSA State County Code33740
Medicare CBSA Code28740
Medicare CBSA NameKingston, NY
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseUlster

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