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Home Insurance in 12725

If your primary reason for shopping for homeowners insurance in the 12725 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Claryville, NY. Many homeowners that live in the 12725 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our New York licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 12725 zip code should already appear in the zip code field ready to go. For Claryville, NY Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 12725

Homeowners living in the city of Claryville are paying on average around $1024 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 12725 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. New York home insurance premiums have been recently ranked 16 in the country in terms of the annual cost of premiums. Because premiums in 12725 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 12725 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Claryville. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

12725 Home Insurance Average Premiums

Local 12725 homeowners insurance quotes comparison

$774 /yr.

Shows Zip Code: 12725 lowest rates with discounts applied on average.

For the 12725, 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)
$774 /yr.
Average Coverage:$1024 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1324 /yr.

What is the average home insurance cost for a home in 12725?

  • • The average homeowners insurance premium paid annually for a home in 12725 is around $1024 per year.

What does it cost on average per month for home insurance in 12725?

  • • Homeowners in 12725 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 12725?

  • • Autoowners in 12725 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 Claryville area, check out other zip codes nearby 12725.
Review average rates in another zip code:
12725 homeowners insurance rates

Home Replacement Cost Coverage in 12725

Average Building Cost Per Square Foot in 12725: $205

Location: Claryville, New York (Sullivan County)

Average Square Footage in 12725: 1,518 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12725 before you start any project. Claryville 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 12725 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 12725 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,518 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 Claryville 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$2051,518$311,100
Additional Upgrades & Added Features$2561,518$388,875
Major Home Updates or Advancements$3081,518$466,650

It's important to understand that when you estimate your replacement cost of your home in the 12725 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 12725

Best Home & Auto Insurance Agencies in 12725

Housing Demographics for 12725

Population Review for 12725 Zip Code

For the city of Claryville, the population within 12725 has increased to over 225 residents in population size. The current population total is 287. We have broken down the population based on race below. In 12725, there are over 145 in male population and 142 females.

PopulationValues
Total Population287
White Population228
Black Population13
Hispanic Population27
Asian Population3
Hawaiian Population0
Indian Population2
Other Population10
Male Population145
Female Population142
Population Estimate225

Household Data for 12725

The average number of homes in 12725 is around 106, there are an average of 2.42 per household. The average house value according to local real estate values is around $311,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode106
Persons Per Household2.42
Average House Value$311,100
Income Per Household$74286
Median Age51.7
Median Age Male51.6
Median Age Female51.8
12725 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityClaryville
City Alias NameCLARYVILLE
CountySullivan
County FIPS105
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA408
CBSA33910
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMonticello, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees95
Business First Quarter Payroll884
Business Annual Payroll5462
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 Residential93
Delivery Business5
Delivery Total196
Preferred Last Line KeyV12615
Classification Code
Multi-CountyY
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV12615
Land Area70.790000
Water Area0.104000
City Alias Code
City Mixed CaseClaryville
City Alias Mixed CaseClaryville
Box Count86
SFDU93
MFDU0
State ANSI36
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number351595
Unique ZIP Name
SSA State County Code33710
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseSullivan

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