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12866 Home Insurance Rates & Premiums
Did you know there are over 40,355 people living within the 12866 zip code area? There are over 17,524 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:
- We will shop up to 12 home insurance companies for free.
- We will apply all discounts and credits to help you save up to 40% or more.
- We will answer any questions that you may.
- We will review the best policy and coverage option in 12866.
Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.
Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $1,022 a year for a standard homeowners insurance policy in Saratoga Springs. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.
City: Saratoga Springs, NY Homeowners Insurance Quotes Online
12866 Home Insurance Average Premiums
$772 /yr.
Shows Zip Code: 12866 lowest rates with discounts applied on average.
For the 12866, 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) | $772 /yr. |
| Average Coverage: | $1022 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1322 /yr. |
What is the average home insurance cost for a home in 12866?
- • The average homeowners insurance premium paid annually for a home in 12866 is around $1022 per year.
What does it cost on average per month for home insurance in 12866?
- • Homeowners in 12866 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 12866?
- • Autoowners in 12866 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 Saratoga Springs area, check out other zip codes nearby 12866.
Review average rates in another zip code:
12866 homeowners insurance rates
Home Replacement Cost Coverage in 12866
Average Building Cost Per Square Foot in 12866: $205
Location: Saratoga Springs, New York (Saratoga County)Average Square Footage in 12866: 1,703 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12866 before you start any project. Saratoga Springs 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 12866 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 12866 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,703 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 Saratoga Springs 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 | 1,703 | $349,200 |
| Additional Upgrades & Added Features | $256 | 1,703 | $436,500 |
| Major Home Updates or Advancements | $308 | 1,703 | $523,800 |
It's important to understand that when you estimate your replacement cost of your home in the 12866 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 12866
Allstate Insurance - Richard H. Hill
Address: 617 Maple Ave Saratoga Springs, NY 12866Phone: (518)583-9457
Website:
Best Home & Auto Insurance Agencies in 12866
Bissonette- Robert F
Address: 440 Maple Ave Saratoga Springs, NY 12866Phone:
Website:
Info:
Ramsdill, Dione L - State Farm Insurance Agent
Address: 3076 Route 50, #3 Saratoga Springs, NY 12866Phone:
Website: http://www.statefarm.com/
Info:
Jenks Family Insurance Agency
Address: 15 Glen Dr Saratoga Springs, NY 12866Phone:
Website: http://www.jenksfamilyinsurance.com/
Info:
Metlife Auto & Home - Vince Demidio
Address: 2648 State Route 9 Saratoga Springs, NY 12866Phone:
Website: http://www.albany.citysearch.com/profile/662421000/ballston_spa_ny/metlife_auto_home_vince_demidio.html
Info:
Michael O Murphy - Nationwide Insurance
Address: 195 Washington St Saratoga Springs, NY 12866Phone:
Website: http://www.nationwide.com/agent/Saratoga-Springs-NEW-YORK-insurance-agent/mikemurphy/office.html
Info:
Housing Demographics for 12866
Population Review for 12866 Zip Code
For the city of Saratoga Springs, the population within 12866 has increased to over 41,558 residents in population size. The current population total is 40,355. We have broken down the population based on race below. In 12866, there are over 19352 in male population and 21003 females.
| Population | Values |
|---|---|
| Total Population | 40,355 |
| White Population | 35406 |
| Black Population | 877 |
| Hispanic Population | 1804 |
| Asian Population | 1028 |
| Hawaiian Population | 15 |
| Indian Population | 74 |
| Other Population | 559 |
| Male Population | 19352 |
| Female Population | 21003 |
| Population Estimate | 41558 |
Household Data for 12866
The average number of homes in 12866 is around 17,524, there are an average of 2.14 per household. The average house value according to local real estate values is around $349,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 17,524 |
| Persons Per Household | 2.14 |
| Average House Value | $349,200 |
| Income Per Household | $91935 |
| Median Age | 44.0 |
| Median Age Male | 42.7 |
| Median Age Female | 45.1 |
| 12866 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | SARATOGA SPGS |
| Area Code | 518/838 |
| City | Saratoga Springs |
| City Alias Name | SARATOGA SPRINGS |
| County | Saratoga |
| County FIPS | 091 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 0160 |
| PMSA | |
| CSA | 104 |
| CBSA | 10580 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Albany-Schenectady-Troy, NY |
| MSA_Name | Albany-Schenectady-Troy, NY MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1542 |
| Number Of Employees | 24494 |
| Business First Quarter Payroll | 270018 |
| Business Annual Payroll | 1264428 |
| 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 | 870716 |
| CBSA Division Population | 0 |
| Congressional District | 20 |
| Congressional LandArea | 1231.28 |
| Delivery Residential | 19420 |
| Delivery Business | 1660 |
| Delivery Total | 22053 |
| Preferred Last Line Key | V18809 |
| Classification Code | |
| Multi-County | |
| CSA Name | Albany-Schenectady, NY |
| CBSA_DIV_Name | |
| City State Key | V18809 |
| Land Area | 64.318000 |
| Water Area | 7.041000 |
| City Alias Code | |
| City Mixed Case | Saratoga Springs |
| City Alias Mixed Case | Saratoga Springs |
| Box Count | 612 |
| SFDU | 12570 |
| MFDU | 2784 |
| State ANSI | 36 |
| County ANSI | 091 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 357485 |
| Unique ZIP Name | |
| SSA State County Code | 33640 |
| Medicare CBSA Code | 10580 |
| Medicare CBSA Name | Albany-Schenectady-Troy, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Saratoga |
New York Homeowners Insurance News & Information
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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 […]
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