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12953 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 12953 zip code it's important to know that our rates are very competitive for homeowners living in Malone, NY. Many homeowners based out of your 12953 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New York licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 12953 should appear in the zip code field ready to go. For Malone, NY Homeowners Insurance Quotes nearby, we offer the best rates and service.

12953: Average Home Insurance Rates

For homeowners living in the great city of Malone, the average homeowners policy is considered high in comparison to other states. New York premiums are estimated to be around $1014 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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12953 Home Insurance Average Premiums

Local 12953 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 12953 lowest rates with discounts applied on average.

For the 12953, 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)
$764 /yr.
Average Coverage:$1014 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1314 /yr.

What is the average home insurance cost for a home in 12953?

  • • The average homeowners insurance premium paid annually for a home in 12953 is around $1014 per year.

What does it cost on average per month for home insurance in 12953?

  • • Homeowners in 12953 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 12953?

  • • Autoowners in 12953 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 Malone area, check out other zip codes nearby 12953.
Review average rates in another zip code:
12953 homeowners insurance rates

Home Replacement Cost Coverage in 12953

Average Building Cost Per Square Foot in 12953: $205

Location: Malone, New York (Franklin County)

Average Square Footage in 12953: 520 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12953 before you start any project. Malone 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 12953 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 12953 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 520 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 Malone 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$205520$106,600
Additional Upgrades & Added Features$256520$133,250
Major Home Updates or Advancements$308520$159,900

It's important to understand that when you estimate your replacement cost of your home in the 12953 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 12953

Best Home & Auto Insurance Agencies in 12953

Housing Demographics for 12953

Population Review for 12953 Zip Code

For the city of Malone, the population within 12953 has increased to over 10,926 residents in population size. The current population total is 13,731. We have broken down the population based on race below. In 12953, there are over 8143 in male population and 5588 females.

PopulationValues
Total Population13,731
White Population11075
Black Population1642
Hispanic Population896
Asian Population91
Hawaiian Population0
Indian Population143
Other Population328
Male Population8143
Female Population5588
Population Estimate10926

Household Data for 12953

The average number of homes in 12953 is around 4,729, there are an average of 2.24 per household. The average house value according to local real estate values is around $106,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,729
Persons Per Household2.24
Average House Value$106,600
Income Per Household$55906
Median Age40.2
Median Age Male38.1
Median Age Female45.6
12953 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518/838
CityMalone
City Alias NameMALONE
CountyFranklin
County FIPS033
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 Businesses317
Number Of Employees4425
Business First Quarter Payroll43326
Business Annual Payroll184776
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 Residential4878
Delivery Business378
Delivery Total5588
Preferred Last Line KeyV14495
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV14495
Land Area212.674000
Water Area4.338000
City Alias Code
City Mixed CaseMalone
City Alias Mixed CaseMalone
Box Count235
SFDU4307
MFDU438
State ANSI36
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number354995
Unique ZIP Name
SSA State County Code33270
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseFranklin

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 […]