Compare quotes for your home in 12846! Compare the best 12 carriers in minutes.
Quickly Revew Homeowners Insurance in 12846
If you own a home in Lake Luzerne, NY you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.
GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 12846 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our New York licensed agents will also review your needs and make sure you have the appropriate coverage for your home.
If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 12846 and start comparing rates now.
12846 Homeowners Insurance Rates Are Considered: high!
The average rate for a standard homeowners policy in 12846 is $1009 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.
We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.
Get 12846 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Lake Luzerne, NY home insurance quotes in your local city and review the most competitive coverages and premiums.
12846 Home Insurance Average Premiums
$759 /yr.
Shows Zip Code: 12846 lowest rates with discounts applied on average.
For the 12846, 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) | $759 /yr. |
| Average Coverage: | $1009 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1309 /yr. |
What is the average home insurance cost for a home in 12846?
- • The average homeowners insurance premium paid annually for a home in 12846 is around $1009 per year.
What does it cost on average per month for home insurance in 12846?
- • Homeowners in 12846 pay a monthly average cost per month around $84.00.
What kind of discount could I get if I combine my home and auto insurance together in 12846?
- • Autoowners in 12846 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 Lake Luzerne area, check out other zip codes nearby 12846.
Review average rates in another zip code:
12846 homeowners insurance rates
Home Replacement Cost Coverage in 12846
Average Building Cost Per Square Foot in 12846: $205
Location: Lake Luzerne, New York (Warren County)Average Square Footage in 12846: 840 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12846 before you start any project. Lake Luzerne 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 12846 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 12846 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 840 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 Lake Luzerne 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $205 | 840 | $172,300 |
| Additional Upgrades & Added Features | $256 | 840 | $215,375 |
| Major Home Updates or Advancements | $308 | 840 | $258,450 |
It's important to understand that when you estimate your replacement cost of your home in the 12846 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 12846
Best Home & Auto Insurance Agencies in 12846
Housing Demographics for 12846
Population Review for 12846 Zip Code
For the city of Lake Luzerne, the population within 12846 has increased to over 3,053 residents in population size. The current population total is 3,008. We have broken down the population based on race below. In 12846, there are over 1511 in male population and 1497 females.
| Population | Values |
|---|---|
| Total Population | 3,008 |
| White Population | 2785 |
| Black Population | 3 |
| Hispanic Population | 45 |
| Asian Population | 16 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 11 |
| Male Population | 1511 |
| Female Population | 1497 |
| Population Estimate | 3053 |
Household Data for 12846
The average number of homes in 12846 is around 1,328, there are an average of 2.26 per household. The average house value according to local real estate values is around $172,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,328 |
| Persons Per Household | 2.26 |
| Average House Value | $172,300 |
| Income Per Household | $54565 |
| Median Age | 51.5 |
| Median Age Male | 50.1 |
| Median Age Female | 52.4 |
| 12846 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 518 |
| City | Lake Luzerne |
| City Alias Name | LAKE LUZERNE |
| County | Warren |
| County FIPS | 113 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 2975 |
| PMSA | |
| CSA | 104 |
| CBSA | 24020 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Glens Falls, NY |
| MSA_Name | Glens Falls, NY MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 69 |
| Number Of Employees | 298 |
| Business First Quarter Payroll | 2290 |
| Business Annual Payroll | 12298 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 128923 |
| CBSA Division Population | 0 |
| Congressional District | 21 |
| Congressional LandArea | 15114.76 |
| Delivery Residential | 1351 |
| Delivery Business | 35 |
| Delivery Total | 2022 |
| Preferred Last Line Key | V14248 |
| Classification Code | |
| Multi-County | |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V14248 |
| Land Area | 54.033000 |
| Water Area | 1.221000 |
| City Alias Code | |
| City Mixed Case | Lake Luzerne |
| City Alias Mixed Case | Lake Luzerne |
| Box Count | 310 |
| SFDU | 1339 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 113 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 354515 |
| Unique ZIP Name | |
| SSA State County Code | 33750 |
| Medicare CBSA Code | 24020 |
| Medicare CBSA Name | Glens Falls, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Warren |
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 […]