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12842 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 12842 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Indian Lake, NY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 12842.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 12842 and start shopping.

Quickly and Easily Compare Average Rates for 12842

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Indian Lake, NY home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 12842

Homeowners in Indian Lake are paying roughly $1021 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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12842 Home Insurance Average Premiums

Local 12842 homeowners insurance quotes comparison

$771 /yr.

Shows Zip Code: 12842 lowest rates with discounts applied on average.

For the 12842, 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)		$771 /yr.
Average Coverage:$1021 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1321 /yr.

What is the average home insurance cost for a home in 12842?

  • • The average homeowners insurance premium paid annually for a home in 12842 is around $1021 per year.

What does it cost on average per month for home insurance in 12842?

  • • Homeowners in 12842 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 12842?

  • • Autoowners in 12842 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 Indian Lake area, check out other zip codes nearby 12842.
Review average rates in another zip code:
12842 homeowners insurance rates

Home Replacement Cost Coverage in 12842

Average Building Cost Per Square Foot in 12842: $205

Location: Indian Lake, New York (Hamilton County)

Average Square Footage in 12842: 800 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12842 before you start any project. Indian 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 12842 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 12842 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 800 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 Indian 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$205800$164,100
Additional Upgrades & Added Features$256800$205,125
Major Home Updates or Advancements$308800$246,150

It's important to understand that when you estimate your replacement cost of your home in the 12842 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 12842

Best Home & Auto Insurance Agencies in 12842

Housing Demographics for 12842

Population Review for 12842 Zip Code

For the city of Indian Lake, the population within 12842 has increased to over 627 residents in population size. The current population total is 1,154. We have broken down the population based on race below. In 12842, there are over 616 in male population and 538 females.

PopulationValues
Total Population1,154
White Population1074
Black Population11
Hispanic Population15
Asian Population0
Hawaiian Population0
Indian Population5
Other Population7
Male Population616
Female Population538
Population Estimate627

Household Data for 12842

The average number of homes in 12842 is around 584, there are an average of 1.96 per household. The average house value according to local real estate values is around $164,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode584
Persons Per Household1.96
Average House Value$164,100
Income Per Household$53875
Median Age56.8
Median Age Male56.6
Median Age Female57.2
12842 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CityIndian Lake
City Alias NameINDIAN LAKE
CountyHamilton
County FIPS041
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses36
Number Of Employees148
Business First Quarter Payroll732
Business Annual Payroll4095
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 District21
Congressional LandArea15114.76
Delivery Residential320
Delivery Business17
Delivery Total871
Preferred Last Line KeyV14005
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV14005
Land Area164.572000
Water Area9.577000
City Alias Code
City Mixed CaseIndian Lake
City Alias Mixed CaseIndian Lake
Box Count487
SFDU286
MFDU16
State ANSI36
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number354090
Unique ZIP Name
SSA State County Code33310
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseHamilton

New York Homeowners Insurance News & Information

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]