Get multiple home insurance quotes in 12969. Our licensed 12969, NY agents are ready to serve you.

12969 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 12969? There are over 207 occupied homes in the 12969 area. With a population size of 413, it's not uncommon for residence of Owls Head, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,024 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 12969 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Owls Head, NY Home Insurance Rate Quotes

12969 Home Insurance Average Premiums

Local 12969 homeowners insurance quotes comparison

$774 /yr.

Shows Zip Code: 12969 lowest rates with discounts applied on average.

For the 12969, 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)		$774 /yr.
Average Coverage:$1024 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1324 /yr.

What is the average home insurance cost for a home in 12969?

  • • The average homeowners insurance premium paid annually for a home in 12969 is around $1024 per year.

What does it cost on average per month for home insurance in 12969?

  • • Homeowners in 12969 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 12969?

  • • Autoowners in 12969 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 Owls Head area, check out other zip codes nearby 12969.
Review average rates in another zip code:
12969 homeowners insurance rates

Home Replacement Cost Coverage in 12969

Average Building Cost Per Square Foot in 12969: $205

Location: Owls Head, New York (Franklin County)

Average Square Footage in 12969: 471 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12969 before you start any project. Owls Head 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 12969 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 12969 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 471 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 Owls Head 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$205471$96,500
Additional Upgrades & Added Features$256471$120,625
Major Home Updates or Advancements$308471$144,750

It's important to understand that when you estimate your replacement cost of your home in the 12969 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 12969

Best Home & Auto Insurance Agencies in 12969

Housing Demographics for 12969

Population Review for 12969 Zip Code

For the city of Owls Head, the population within 12969 has increased to over 328 residents in population size. The current population total is 413. We have broken down the population based on race below. In 12969, there are over 232 in male population and 181 females.

PopulationValues
Total Population413
White Population384
Black Population1
Hispanic Population5
Asian Population0
Hawaiian Population0
Indian Population3
Other Population1
Male Population232
Female Population181
Population Estimate328

Household Data for 12969

The average number of homes in 12969 is around 207, there are an average of 2.00 per household. The average house value according to local real estate values is around $96,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode207
Persons Per Household2.00
Average House Value$96,500
Income Per Household$46563
Median Age55.0
Median Age Male54.7
Median Age Female55.3
12969 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518/838
CityOwls Head
City Alias NameOWLS HEAD
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 Businesses4
Number Of Employees15
Business First Quarter Payroll59
Business Annual Payroll216
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 Residential164
Delivery Business2
Delivery Total304
Preferred Last Line KeyV15272
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15272
Land Area110.989000
Water Area1.984000
City Alias Code
City Mixed CaseOwls Head
City Alias Mixed CaseOwls Head
Box Count132
SFDU157
MFDU0
State ANSI36
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number356305
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 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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]