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12967 Home Insurance Rates & Premiums

Did you know there are over 1,145 people living within the 12967 zip code area? There are over 441 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 12967.

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 $1,030 a year for a standard homeowners insurance policy in North Lawrence. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: North Lawrence, NY Homeowners Insurance Quotes Online

12967 Home Insurance Average Premiums

Local 12967 homeowners insurance quotes comparison

$780 /yr.

Shows Zip Code: 12967 lowest rates with discounts applied on average.

For the 12967, 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)		$780 /yr.
Average Coverage:$1030 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1330 /yr.

What is the average home insurance cost for a home in 12967?

  • • The average homeowners insurance premium paid annually for a home in 12967 is around $1030 per year.

What does it cost on average per month for home insurance in 12967?

  • • Homeowners in 12967 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 12967?

  • • Autoowners in 12967 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 North Lawrence area, check out other zip codes nearby 12967.
Review average rates in another zip code:
12967 homeowners insurance rates

Home Replacement Cost Coverage in 12967

Average Building Cost Per Square Foot in 12967: $205

Location: North Lawrence, New York (Saint Lawrence County)

Average Square Footage in 12967: 381 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12967 before you start any project. North Lawrence 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 12967 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 12967 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 381 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 North Lawrence 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$205381$78,200
Additional Upgrades & Added Features$256381$97,750
Major Home Updates or Advancements$308381$117,300

It's important to understand that when you estimate your replacement cost of your home in the 12967 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 12967

Best Home & Auto Insurance Agencies in 12967

Housing Demographics for 12967

Population Review for 12967 Zip Code

For the city of North Lawrence, the population within 12967 has increased to over 1,086 residents in population size. The current population total is 1,145. We have broken down the population based on race below. In 12967, there are over 592 in male population and 553 females.

PopulationValues
Total Population1,145
White Population1088
Black Population6
Hispanic Population14
Asian Population1
Hawaiian Population0
Indian Population13
Other Population5
Male Population592
Female Population553
Population Estimate1086

Household Data for 12967

The average number of homes in 12967 is around 441, there are an average of 2.60 per household. The average house value according to local real estate values is around $78,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode441
Persons Per Household2.60
Average House Value$78,200
Income Per Household$60515
Median Age39.8
Median Age Male35.7
Median Age Female42.4
12967 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias AbbreviationN LAWRENCE
Area Code315/518
CityNorth Lawrence
City Alias NameNORTH LAWRENCE
CountySaint Lawrence
County FIPS089
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA32390
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMassena-Ogdensburg, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees145
Business First Quarter Payroll2000
Business Annual Payroll7914
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 Residential418
Delivery Business10
Delivery Total518
Preferred Last Line KeyV15080
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15080
Land Area33.461000
Water Area0.032000
City Alias Code
City Mixed CaseNorth Lawrence
City Alias Mixed CaseNorth Lawrence
Box Count84
SFDU418
MFDU0
State ANSI36
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355980
Unique ZIP Name
SSA State County Code33630
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseSaint Lawrence

New York Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]