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12928 Home Insurance Rates & Premiums

Did you know there are over 2,030 people living within the 12928 zip code area? There are over 833 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:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 12928.

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 $1,029 a year for a standard homeowners insurance policy in Crown Point. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Crown Point, NY Homeowners Insurance Quotes Online

12928 Home Insurance Average Premiums

Local 12928 homeowners insurance quotes comparison

$779 /yr.

Shows Zip Code: 12928 lowest rates with discounts applied on average.

For the 12928, 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)		$779 /yr.
Average Coverage:$1029 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1329 /yr.

What is the average home insurance cost for a home in 12928?

  • • The average homeowners insurance premium paid annually for a home in 12928 is around $1029 per year.

What does it cost on average per month for home insurance in 12928?

  • • Homeowners in 12928 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 12928?

  • • Autoowners in 12928 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 Crown Point area, check out other zip codes nearby 12928.
Review average rates in another zip code:
12928 homeowners insurance rates

Home Replacement Cost Coverage in 12928

Average Building Cost Per Square Foot in 12928: $205

Location: Crown Point, New York (Essex County)

Average Square Footage in 12928: 653 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12928 before you start any project. Crown Point 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 12928 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 12928 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 653 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 Crown Point 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$205653$133,900
Additional Upgrades & Added Features$256653$167,375
Major Home Updates or Advancements$308653$200,850

It's important to understand that when you estimate your replacement cost of your home in the 12928 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 12928

Best Home & Auto Insurance Agencies in 12928

Housing Demographics for 12928

Population Review for 12928 Zip Code

For the city of Crown Point, the population within 12928 has increased to over 1,851 residents in population size. The current population total is 2,030. We have broken down the population based on race below. In 12928, there are over 1047 in male population and 983 females.

PopulationValues
Total Population2,030
White Population1918
Black Population4
Hispanic Population38
Asian Population5
Hawaiian Population0
Indian Population3
Other Population8
Male Population1047
Female Population983
Population Estimate1851

Household Data for 12928

The average number of homes in 12928 is around 833, there are an average of 2.42 per household. The average house value according to local real estate values is around $133,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode833
Persons Per Household2.42
Average House Value$133,900
Income Per Household$68669
Median Age44.6
Median Age Male45.4
Median Age Female43.6
12928 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CityCrown Point
City Alias NameCROWN POINT
CountyEssex
County FIPS031
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 Businesses26
Number Of Employees131
Business First Quarter Payroll1586
Business Annual Payroll6841
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 Residential765
Delivery Business21
Delivery Total1002
Preferred Last Line KeyV12843
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV12843
Land Area72.600000
Water Area0.872000
City Alias Code
City Mixed CaseCrown Point
City Alias Mixed CaseCrown Point
Box Count183
SFDU765
MFDU0
State ANSI36
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number352025
Unique ZIP Name
SSA State County Code33260
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseEssex

New York Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]