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Compare 12743 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 12743 area? The average homeowners premium in New York for a standard homeowners policy is around $1,056/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 12743 zip code, the population size is around 347 with 166 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 12743.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Highland Lake, NY Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NY RateDiscountsSavingsShop Rates
$1,356up to 40% off$542

12743 Home Insurance Average Premiums

Local 12743 homeowners insurance quotes comparison

$806 /yr.

Shows Zip Code: 12743 lowest rates with discounts applied on average.

For the 12743, 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)
$806 /yr.
Average Coverage:$1056 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1356 /yr.

What is the average home insurance cost for a home in 12743?

  • • The average homeowners insurance premium paid annually for a home in 12743 is around $1056 per year.

What does it cost on average per month for home insurance in 12743?

  • • Homeowners in 12743 pay a monthly average cost per month around $88.00.

What kind of discount could I get if I combine my home and auto insurance together in 12743?

  • • Autoowners in 12743 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 Highland Lake area, check out other zip codes nearby 12743.
Review average rates in another zip code:
12743 homeowners insurance rates

Home Replacement Cost Coverage in 12743

Average Building Cost Per Square Foot in 12743: $205

Location: Highland Lake, New York (Sullivan County)

Average Square Footage in 12743: 1,280 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12743 before you start any project. Highland Lake 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 12743 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 12743 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,280 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 Highland Lake 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$2051,280$262,500
Additional Upgrades & Added Features$2561,280$328,125
Major Home Updates or Advancements$3081,280$393,750

It's important to understand that when you estimate your replacement cost of your home in the 12743 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 12743

Best Home & Auto Insurance Agencies in 12743

Housing Demographics for 12743

Population Review for 12743 Zip Code

For the city of Highland Lake, the population within 12743 has increased to over 265 residents in population size. The current population total is 347. We have broken down the population based on race below. In 12743, there are over 184 in male population and 163 females.

PopulationValues
Total Population347
White Population313
Black Population1
Hispanic Population23
Asian Population2
Hawaiian Population0
Indian Population3
Other Population4
Male Population184
Female Population163
Population Estimate265

Household Data for 12743

The average number of homes in 12743 is around 166, there are an average of 2.09 per household. The average house value according to local real estate values is around $262,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode166
Persons Per Household2.09
Average House Value$262,500
Income Per Household$83500
Median Age45.8
Median Age Male50.4
Median Age Female42.9
12743 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code845
CityHighland Lake
City Alias NameHIGHLAND LAKE
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 Businesses3
Number Of Employees5
Business First Quarter Payroll38
Business Annual Payroll228
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 Residential127
Delivery Business2
Delivery Total217
Preferred Last Line KeyV13865
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV13865
Land Area7.507000
Water Area0.622000
City Alias Code
City Mixed CaseHighland Lake
City Alias Mixed CaseHighland Lake
Box Count81
SFDU127
MFDU0
State ANSI36
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number353800
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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