Get multiple home insurance quotes in 12482. Our licensed 12482, NY agents are ready to serve you.

12482 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 12482? Our rates are very competitive for homeowners living in South Cairo, NY. Many homeowners based out of your 12482 area 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 homeowners insurance quotes are free and our New York 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 12482 should appear in the zip code field ready to go. For South Cairo, NY Home Insurance Rate Quotes click to review the best rates and service online!

12482 Average Premium is Rated: High!

Homeowners living in 12482 can easily save up to 40% off the average home insurance premium of $1016 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in South Cairo that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 12482 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 12482!

12482 Home Insurance Average Premiums

Local 12482 homeowners insurance quotes comparison

$766 /yr.

Shows Zip Code: 12482 lowest rates with discounts applied on average.

For the 12482, 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)		$766 /yr.
Average Coverage:$1016 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1316 /yr.

What is the average home insurance cost for a home in 12482?

  • • The average homeowners insurance premium paid annually for a home in 12482 is around $1016 per year.

What does it cost on average per month for home insurance in 12482?

  • • Homeowners in 12482 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 12482?

  • • Autoowners in 12482 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 South Cairo area, check out other zip codes nearby 12482.
Review average rates in another zip code:
12482 homeowners insurance rates

Home Replacement Cost Coverage in 12482

Average Building Cost Per Square Foot in 12482: $205

Location: South Cairo, New York (Greene County)

Average Square Footage in 12482: 678 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12482 before you start any project. South Cairo 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 12482 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 12482 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 678 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 South Cairo 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$205678$138,900
Additional Upgrades & Added Features$256678$173,625
Major Home Updates or Advancements$308678$208,350

It's important to understand that when you estimate your replacement cost of your home in the 12482 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 12482

Best Home & Auto Insurance Agencies in 12482

Housing Demographics for 12482

Population Review for 12482 Zip Code

For the city of South Cairo, the population within 12482 has increased to over 549 residents in population size. The current population total is 599. We have broken down the population based on race below. In 12482, there are over 281 in male population and 318 females.

PopulationValues
Total Population599
White Population507
Black Population11
Hispanic Population58
Asian Population7
Hawaiian Population0
Indian Population0
Other Population7
Male Population281
Female Population318
Population Estimate549

Household Data for 12482

The average number of homes in 12482 is around 281, there are an average of 2.13 per household. The average house value according to local real estate values is around $138,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode281
Persons Per Household2.13
Average House Value$138,900
Income Per Household$0
Median Age40.5
Median Age Male40.9
Median Age Female39.3
12482 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CitySouth Cairo
City Alias NameSOUTH CAIRO
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 Businesses13
Number Of Employees128
Business First Quarter Payroll1830
Business Annual Payroll7587
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 Residential258
Delivery Business7
Delivery Total414
Preferred Last Line KeyV16172
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV16172
Land Area2.321000
Water Area0.000000
City Alias Code
City Mixed CaseSouth Cairo
City Alias Mixed CaseSouth Cairo
Box Count139
SFDU127
MFDU0
State ANSI36
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number357920
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

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 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 […]