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Home Insurance Rates in 12957

For homeowners shopping online in 12957, our insurance rates are very competitive for homeowners living in Moira, NY. Many homeowners based out of the great city of Moira have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 12957, simply click the "Get Multiple Quotes Now" button. Your 12957 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Moira, NY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

12957 Home Insurance Rating is: High!

If you live in 12957, you can easily save up to 40% off the average home insurance premium of $1036 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Moira can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 12957 today!

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12957 Home Insurance Average Premiums

Local 12957 homeowners insurance quotes comparison

$786 /yr.

Shows Zip Code: 12957 lowest rates with discounts applied on average.

For the 12957, 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)		$786 /yr.
Average Coverage:$1036 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1336 /yr.

What is the average home insurance cost for a home in 12957?

  • • The average homeowners insurance premium paid annually for a home in 12957 is around $1036 per year.

What does it cost on average per month for home insurance in 12957?

  • • Homeowners in 12957 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 12957?

  • • Autoowners in 12957 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 Moira area, check out other zip codes nearby 12957.
Review average rates in another zip code:
12957 homeowners insurance rates

Home Replacement Cost Coverage in 12957

Average Building Cost Per Square Foot in 12957: $205

Location: Moira, New York (Franklin County)

Average Square Footage in 12957: 600 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12957 before you start any project. Moira 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 12957 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 12957 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 600 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 Moira 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$205600$123,100
Additional Upgrades & Added Features$256600$153,875
Major Home Updates or Advancements$308600$184,650

It's important to understand that when you estimate your replacement cost of your home in the 12957 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 12957

Best Home & Auto Insurance Agencies in 12957

Housing Demographics for 12957

Population Review for 12957 Zip Code

For the city of Moira, the population within 12957 has increased to over 1,460 residents in population size. The current population total is 1,663. We have broken down the population based on race below. In 12957, there are over 841 in male population and 822 females.

PopulationValues
Total Population1,663
White Population1579
Black Population3
Hispanic Population18
Asian Population3
Hawaiian Population0
Indian Population12
Other Population4
Male Population841
Female Population822
Population Estimate1460

Household Data for 12957

The average number of homes in 12957 is around 740, there are an average of 2.25 per household. The average house value according to local real estate values is around $123,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode740
Persons Per Household2.25
Average House Value$123,100
Income Per Household$45324
Median Age42.7
Median Age Male41.8
Median Age Female43.6
12957 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518/838
CityMoira
City Alias NameMOIRA
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 Businesses20
Number Of Employees88
Business First Quarter Payroll651
Business Annual Payroll2916
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 Residential649
Delivery Business7
Delivery Total774
Preferred Last Line KeyV14721
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV14721
Land Area35.376000
Water Area0.000000
City Alias Code
City Mixed CaseMoira
City Alias Mixed CaseMoira
Box Count96
SFDU529
MFDU0
State ANSI36
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355405
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 […]