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12494 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 12494? There are over 347 occupied homes in the 12494 area. With a population size of 712, it's not uncommon for residence of West Shokan, 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 $997 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 12494 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: West Shokan, NY Home Insurance Rate Quotes

12494 Home Insurance Average Premiums

Local 12494 homeowners insurance quotes comparison

$747 /yr.

Shows Zip Code: 12494 lowest rates with discounts applied on average.

For the 12494, 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)		$747 /yr.
Average Coverage:$997 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1297 /yr.

What is the average home insurance cost for a home in 12494?

  • • The average homeowners insurance premium paid annually for a home in 12494 is around $997 per year.

What does it cost on average per month for home insurance in 12494?

  • • Homeowners in 12494 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 12494?

  • • Autoowners in 12494 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 West Shokan area, check out other zip codes nearby 12494.
Review average rates in another zip code:
12494 homeowners insurance rates

Home Replacement Cost Coverage in 12494

Average Building Cost Per Square Foot in 12494: $205

Location: West Shokan, New York (Ulster County)

Average Square Footage in 12494: 1,330 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12494 before you start any project. West Shokan 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 12494 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 12494 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,330 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 West Shokan 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$2051,330$272,600
Additional Upgrades & Added Features$2561,330$340,750
Major Home Updates or Advancements$3081,330$408,900

It's important to understand that when you estimate your replacement cost of your home in the 12494 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 12494

Best Home & Auto Insurance Agencies in 12494

Housing Demographics for 12494

Population Review for 12494 Zip Code

For the city of West Shokan, the population within 12494 has increased to over 610 residents in population size. The current population total is 712. We have broken down the population based on race below. In 12494, there are over 318 in male population and 394 females.

PopulationValues
Total Population712
White Population631
Black Population5
Hispanic Population34
Asian Population4
Hawaiian Population0
Indian Population1
Other Population12
Male Population318
Female Population394
Population Estimate610

Household Data for 12494

The average number of homes in 12494 is around 347, there are an average of 2.05 per household. The average house value according to local real estate values is around $272,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode347
Persons Per Household2.05
Average House Value$272,600
Income Per Household$125725
Median Age54.0
Median Age Male49.6
Median Age Female55.9
12494 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityWest Shokan
City Alias NameWEST SHOKAN
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 Businesses12
Number Of Employees26
Business First Quarter Payroll115
Business Annual Payroll695
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 District19
Congressional LandArea7937.02
Delivery Residential298
Delivery Business0
Delivery Total404
Preferred Last Line KeyV16944
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV16944
Land Area23.856000
Water Area0.000000
City Alias Code
City Mixed CaseWest Shokan
City Alias Mixed CaseWest Shokan
Box Count98
SFDU298
MFDU0
State ANSI36
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number359275
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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