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12785 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 12785? There are over 279 occupied homes in the 12785 area. With a population size of 749, it's not uncommon for residence of Westbrookville, 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 $1,050 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 12785 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: Westbrookville, NY Home Insurance Rate Quotes

12785 Home Insurance Average Premiums

Local 12785 homeowners insurance quotes comparison

$800 /yr.

Shows Zip Code: 12785 lowest rates with discounts applied on average.

For the 12785, 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)		$800 /yr.
Average Coverage:$1050 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1350 /yr.

What is the average home insurance cost for a home in 12785?

  • • The average homeowners insurance premium paid annually for a home in 12785 is around $1050 per year.

What does it cost on average per month for home insurance in 12785?

  • • Homeowners in 12785 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 12785?

  • • Autoowners in 12785 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 Westbrookville area, check out other zip codes nearby 12785.
Review average rates in another zip code:
12785 homeowners insurance rates

Home Replacement Cost Coverage in 12785

Average Building Cost Per Square Foot in 12785: $205

Location: Westbrookville, New York (Sullivan County)

Average Square Footage in 12785: 1,000 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12785 before you start any project. Westbrookville 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 12785 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 12785 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,000 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 Westbrookville 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$2051,000$205,000
Additional Upgrades & Added Features$2561,000$256,250
Major Home Updates or Advancements$3081,000$307,500

It's important to understand that when you estimate your replacement cost of your home in the 12785 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 12785

Best Home & Auto Insurance Agencies in 12785

Housing Demographics for 12785

Population Review for 12785 Zip Code

For the city of Westbrookville, the population within 12785 has increased to over 0 residents in population size. The current population total is 749. We have broken down the population based on race below. In 12785, there are over 353 in male population and 396 females.

PopulationValues
Total Population749
White Population618
Black Population24
Hispanic Population77
Asian Population17
Hawaiian Population1
Indian Population8
Other Population22
Male Population353
Female Population396
Population Estimate0

Household Data for 12785

The average number of homes in 12785 is around 279, there are an average of 2.68 per household. The average house value according to local real estate values is around $205,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode279
Persons Per Household2.68
Average House Value$205,000
Income Per Household$108267
Median Age42.9
Median Age Male45.8
Median Age Female41.6
12785 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias AbbreviationWESTBROOKVLLE
Area Code845/914
CityWestbrookville
City Alias NameWESTBROOKVILLE
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 Businesses10
Number Of Employees62
Business First Quarter Payroll890
Business Annual Payroll1663
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|19
Congressional LandArea1353.42|7937.02
Delivery Residential0
Delivery Business0
Delivery Total439
Preferred Last Line KeyV16960
Classification CodeP
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV16960
Land Area13.586000
Water Area0.139000
City Alias Code
City Mixed CaseWestbrookville
City Alias Mixed CaseWestbrookville
Box Count0
SFDU0
MFDU0
State ANSI36
County ANSI105
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number356750
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

New York Homeowners Insurance News & Information

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  • 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 […]