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12965 Homeowners Insurance Quotes & Rates
Nicholville residents living within the 189 homes available in the zip code of 12965 are shopping online to compare cheaper and more affordable Nicholville, NY home insurance rates. In the great city of Nicholville, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of New York is around $1,022 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 12965 zip code.
With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.
Let us help you shop and compare your 12965 home insurance rates today! Please give us a call now at 1-855-976-2656. For Nicholville, NY Homeowners Insurance Quotes, Click to easily get started!
12965 Home Insurance Average Premiums
$772 /yr.
Shows Zip Code: 12965 lowest rates with discounts applied on average.
For the 12965, 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 12965?
- • The average homeowners insurance premium paid annually for a home in 12965 is around $1022 per year.
What does it cost on average per month for home insurance in 12965?
- • Homeowners in 12965 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 12965?
- • Autoowners in 12965 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 Nicholville area, check out other zip codes nearby 12965.
Review average rates in another zip code:
12965 homeowners insurance rates
Home Replacement Cost Coverage in 12965
Average Building Cost Per Square Foot in 12965: $205
Location: Nicholville, New York (Saint Lawrence County)Average Square Footage in 12965: 324 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12965 before you start any project. Nicholville 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 12965 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 12965 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 324 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 Nicholville 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 | 324 | $66,500 |
| Additional Upgrades & Added Features | $256 | 324 | $83,125 |
| Major Home Updates or Advancements | $308 | 324 | $99,750 |
It's important to understand that when you estimate your replacement cost of your home in the 12965 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 12965
Best Home & Auto Insurance Agencies in 12965
Housing Demographics for 12965
Population Review for 12965 Zip Code
For the city of Nicholville, the population within 12965 has increased to over 469 residents in population size. The current population total is 548. We have broken down the population based on race below. In 12965, there are over 268 in male population and 280 females.
| Population | Values |
|---|---|
| Total Population | 548 |
| White Population | 520 |
| Black Population | 1 |
| Hispanic Population | 12 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 8 |
| Male Population | 268 |
| Female Population | 280 |
| Population Estimate | 469 |
Household Data for 12965
The average number of homes in 12965 is around 189, there are an average of 2.90 per household. The average house value according to local real estate values is around $66,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 189 |
| Persons Per Household | 2.90 |
| Average House Value | $66,500 |
| Income Per Household | $45625 |
| Median Age | 36.6 |
| Median Age Male | 36.2 |
| Median Age Female | 37.7 |
| 12965 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 315/518 |
| City | Nicholville |
| City Alias Name | NICHOLVILLE |
| County | Saint Lawrence |
| County FIPS | 089 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 32390 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Massena-Ogdensburg, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 11 |
| Number Of Employees | 148 |
| Business First Quarter Payroll | 1607 |
| Business Annual Payroll | 8380 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 21 |
| Congressional LandArea | 15114.76 |
| Delivery Residential | 162 |
| Delivery Business | 6 |
| Delivery Total | 251 |
| Preferred Last Line Key | V15002 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V15002 |
| Land Area | 9.313000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Nicholville |
| City Alias Mixed Case | Nicholville |
| Box Count | 72 |
| SFDU | 162 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 089 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 355850 |
| Unique ZIP Name | |
| SSA State County Code | 33630 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 7 |
| County Mixed Case | Saint Lawrence |
New York Homeowners Insurance News & Information
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Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]