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12977 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 12977 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Ray Brook, NY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 12977.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 12977 and start shopping.

Quickly and Easily Compare Average Rates for 12977

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ray Brook, NY home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 12977

Homeowners in Ray Brook are paying roughly $1026 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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12977 Home Insurance Average Premiums

Local 12977 homeowners insurance quotes comparison

$776 /yr.

Shows Zip Code: 12977 lowest rates with discounts applied on average.

For the 12977, 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)		$776 /yr.
Average Coverage:$1026 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1326 /yr.

What is the average home insurance cost for a home in 12977?

  • • The average homeowners insurance premium paid annually for a home in 12977 is around $1026 per year.

What does it cost on average per month for home insurance in 12977?

  • • Homeowners in 12977 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 12977?

  • • Autoowners in 12977 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 Ray Brook area, check out other zip codes nearby 12977.
Review average rates in another zip code:
12977 homeowners insurance rates

Home Replacement Cost Coverage in 12977

Average Building Cost Per Square Foot in 12977: $205

Location: Ray Brook, New York (Essex County)

Average Square Footage in 12977: 805 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12977 before you start any project. Ray Brook 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 12977 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 12977 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 805 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 Ray Brook 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$205805$165,000
Additional Upgrades & Added Features$256805$206,250
Major Home Updates or Advancements$308805$247,500

It's important to understand that when you estimate your replacement cost of your home in the 12977 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 12977

Best Home & Auto Insurance Agencies in 12977

Housing Demographics for 12977

Population Review for 12977 Zip Code

For the city of Ray Brook, the population within 12977 has increased to over 0 residents in population size. The current population total is 693. We have broken down the population based on race below. In 12977, there are over 645 in male population and 48 females.

PopulationValues
Total Population693
White Population336
Black Population344
Hispanic Population198
Asian Population8
Hawaiian Population0
Indian Population0
Other Population0
Male Population645
Female Population48
Population Estimate0

Household Data for 12977

The average number of homes in 12977 is around 52, there are an average of 1.81 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode52
Persons Per Household1.81
Average House Value$165,000
Income Per Household$0
Median Age37.4
Median Age Male37.1
Median Age Female51.0
12977 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias Abbreviation
Area Code518/838
CityRay Brook
City Alias NameRAY BROOK
CountyEssex
County FIPS031
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 Businesses15
Number Of Employees105
Business First Quarter Payroll1063
Business Annual Payroll4749
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 Residential0
Delivery Business0
Delivery Total158
Preferred Last Line KeyV15636
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15636
Land Area1.243000
Water Area0.016000
City Alias Code
City Mixed CaseRay Brook
City Alias Mixed CaseRay Brook
Box Count127
SFDU0
MFDU0
State ANSI36
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number356945
Unique ZIP Name
SSA State County Code33260
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseEssex

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 […]