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12585 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 12585? There are over 306 occupied homes in the 12585 area. With a population size of 850, it's not uncommon for residence of Verbank, 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 $931 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 12585 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: Verbank, NY Home Insurance Rate Quotes

12585 Home Insurance Average Premiums

Local 12585 homeowners insurance quotes comparison

$681 /yr.

Shows Zip Code: 12585 lowest rates with discounts applied on average.

For the 12585, 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)		$681 /yr.
Average Coverage:$931 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1231 /yr.

What is the average home insurance cost for a home in 12585?

  • • The average homeowners insurance premium paid annually for a home in 12585 is around $931 per year.

What does it cost on average per month for home insurance in 12585?

  • • Homeowners in 12585 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 12585?

  • • Autoowners in 12585 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 Verbank area, check out other zip codes nearby 12585.
Review average rates in another zip code:
12585 homeowners insurance rates

Home Replacement Cost Coverage in 12585

Average Building Cost Per Square Foot in 12585: $205

Location: Verbank, New York (Dutchess County)

Average Square Footage in 12585: 2,484 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12585 before you start any project. Verbank 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 12585 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 12585 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,484 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 Verbank 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$2052,484$509,200
Additional Upgrades & Added Features$2562,484$636,500
Major Home Updates or Advancements$3082,484$763,800

It's important to understand that when you estimate your replacement cost of your home in the 12585 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 12585

Best Home & Auto Insurance Agencies in 12585

Housing Demographics for 12585

Population Review for 12585 Zip Code

For the city of Verbank, the population within 12585 has increased to over 830 residents in population size. The current population total is 850. We have broken down the population based on race below. In 12585, there are over 459 in male population and 391 females.

PopulationValues
Total Population850
White Population729
Black Population28
Hispanic Population64
Asian Population9
Hawaiian Population0
Indian Population2
Other Population21
Male Population459
Female Population391
Population Estimate830

Household Data for 12585

The average number of homes in 12585 is around 306, there are an average of 2.67 per household. The average house value according to local real estate values is around $509,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode306
Persons Per Household2.67
Average House Value$509,200
Income Per Household$90167
Median Age48.2
Median Age Male47.7
Median Age Female48.9
12585 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityVerbank
City Alias NameVERBANK
CountyDutchess
County FIPS027
State FIPS36
Time Zone5
Day Light SavingY
MSA5602
PMSA2281
CSA408
CBSA28880
CBSA_DIV
CBSA_TypeMetro
CBSA_NameKiryas Joel-Poughkeepsie-Newburgh, NY
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameDutchess County, NY PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses23
Number Of Employees108
Business First Quarter Payroll883
Business Annual Payroll4240
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 District18
Congressional LandArea1353.42
Delivery Residential311
Delivery Business4
Delivery Total406
Preferred Last Line KeyV16677
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV16677
Land Area4.690000
Water Area0.081000
City Alias Code
City Mixed CaseVerbank
City Alias Mixed CaseVerbank
Box Count71
SFDU311
MFDU0
State ANSI36
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number358750
Unique ZIP Name
SSA State County Code33230
Medicare CBSA Code39100
Medicare CBSA NamePoughkeepsie-Newburgh-Middletown, NY
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseDutchess

New York Homeowners Insurance News & Information

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    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 […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]