Compare quotes for your home in 12522! Compare the best 12 carriers in minutes.
12522 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 12522? Our rates are very competitive for homeowners living in Dover Plains, NY. Many homeowners based out of your 12522 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 12522 should appear in the zip code field ready to go. For Dover Plains, NY Home Insurance Rate Quotes click to review the best rates and service online!
12522 Average Premium is Rated: High!
Homeowners living in 12522 can easily save up to 40% off the average home insurance premium of $1028 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 Dover Plains 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 12522 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!
12522 Home Insurance Average Premiums
$778 /yr.
Shows Zip Code: 12522 lowest rates with discounts applied on average.
For the 12522, 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) | $778 /yr. |
| Average Coverage: | $1028 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1328 /yr. |
What is the average home insurance cost for a home in 12522?
- • The average homeowners insurance premium paid annually for a home in 12522 is around $1028 per year.
What does it cost on average per month for home insurance in 12522?
- • Homeowners in 12522 pay a monthly average cost per month around $86.00.
What kind of discount could I get if I combine my home and auto insurance together in 12522?
- • Autoowners in 12522 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 Dover Plains area, check out other zip codes nearby 12522.
Review average rates in another zip code:
12522 homeowners insurance rates
Home Replacement Cost Coverage in 12522
Average Building Cost Per Square Foot in 12522: $205
Location: Dover Plains, New York (Dutchess County)Average Square Footage in 12522: 1,142 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12522 before you start any project. Dover Plains 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 12522 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 12522 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,142 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 Dover Plains 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $205 | 1,142 | $234,200 |
| Additional Upgrades & Added Features | $256 | 1,142 | $292,750 |
| Major Home Updates or Advancements | $308 | 1,142 | $351,300 |
It's important to understand that when you estimate your replacement cost of your home in the 12522 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 12522
Best Home & Auto Insurance Agencies in 12522
Housing Demographics for 12522
Population Review for 12522 Zip Code
For the city of Dover Plains, the population within 12522 has increased to over 4,176 residents in population size. The current population total is 4,993. We have broken down the population based on race below. In 12522, there are over 2513 in male population and 2480 females.
| Population | Values |
|---|---|
| Total Population | 4,993 |
| White Population | 3834 |
| Black Population | 163 |
| Hispanic Population | 871 |
| Asian Population | 87 |
| Hawaiian Population | 0 |
| Indian Population | 40 |
| Other Population | 364 |
| Male Population | 2513 |
| Female Population | 2480 |
| Population Estimate | 4176 |
Household Data for 12522
The average number of homes in 12522 is around 1,999, there are an average of 2.47 per household. The average house value according to local real estate values is around $234,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,999 |
| Persons Per Household | 2.47 |
| Average House Value | $234,200 |
| Income Per Household | $66283 |
| Median Age | 45.7 |
| Median Age Male | 44.2 |
| Median Age Female | 47.3 |
| 12522 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 845 |
| City | Dover Plains |
| City Alias Name | DOVER PLAINS |
| County | Dutchess |
| County FIPS | 027 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 5602 |
| PMSA | 2281 |
| CSA | 408 |
| CBSA | 28880 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Kiryas Joel-Poughkeepsie-Newburgh, NY |
| MSA_Name | New York-Northern New Jersey-Long Island, NY-NJ-CT-PA |
| PMSA_Name | Dutchess County, NY PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 92 |
| Number Of Employees | 714 |
| Business First Quarter Payroll | 10032 |
| Business Annual Payroll | 47625 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 18 |
| Congressional LandArea | 1353.42 |
| Delivery Residential | 1691 |
| Delivery Business | 40 |
| Delivery Total | 2179 |
| Preferred Last Line Key | V12953 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | |
| City State Key | V12953 |
| Land Area | 37.475000 |
| Water Area | 0.472000 |
| City Alias Code | |
| City Mixed Case | Dover Plains |
| City Alias Mixed Case | Dover Plains |
| Box Count | 393 |
| SFDU | 1503 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 027 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 352270 |
| Unique ZIP Name | |
| SSA State County Code | 33230 |
| Medicare CBSA Code | 39100 |
| Medicare CBSA Name | Poughkeepsie-Newburgh-Middletown, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 3 |
| County Mixed Case | Dutchess |
New York Homeowners Insurance News & Information
-
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
-
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
-
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]