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If you live in the 12978 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Redford have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our NY licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 12978 and then compare quotes from a variety of nationwide insurance companies.

12978 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 12978 the average premium for homeowners coverage is $1026 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 12978. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 12978 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Redford, NY home insurance quotes in your area.

12978 Home Insurance Average Premiums

Local 12978 homeowners insurance quotes comparison

$776 /yr.

Shows Zip Code: 12978 lowest rates with discounts applied on average.

For the 12978, 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 12978?

  • • The average homeowners insurance premium paid annually for a home in 12978 is around $1026 per year.

What does it cost on average per month for home insurance in 12978?

  • • Homeowners in 12978 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 12978?

  • • Autoowners in 12978 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 Redford area, check out other zip codes nearby 12978.
Review average rates in another zip code:
12978 homeowners insurance rates

Home Replacement Cost Coverage in 12978

Average Building Cost Per Square Foot in 12978: $205

Location: Redford, New York (Clinton County)

Average Square Footage in 12978: 805 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12978 before you start any project. Redford 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 12978 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 12978 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 Redford 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 12978 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 12978

Best Home & Auto Insurance Agencies in 12978

Housing Demographics for 12978

Population Review for 12978 Zip Code

For the city of Redford, the population within 12978 has increased to over 276 residents in population size. The current population total is 323. We have broken down the population based on race below. In 12978, there are over 184 in male population and 139 females.

PopulationValues
Total Population323
White Population286
Black Population0
Hispanic Population8
Asian Population1
Hawaiian Population0
Indian Population1
Other Population3
Male Population184
Female Population139
Population Estimate276

Household Data for 12978

The average number of homes in 12978 is around 131, there are an average of 2.47 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 Zipcode131
Persons Per Household2.47
Average House Value$165,000
Income Per Household$86219
Median Age38.4
Median Age Male37.7
Median Age Female40.5
12978 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518/838
CityRedford
City Alias NameREDFORD
CountyClinton
County FIPS019
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA38460
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePlattsburgh, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees16
Business First Quarter Payroll83
Business Annual Payroll378
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population82128
CBSA Division Population0
Congressional District21
Congressional LandArea15114.76
Delivery Residential112
Delivery Business3
Delivery Total179
Preferred Last Line KeyV15655
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15655
Land Area1.096000
Water Area0.014000
City Alias Code
City Mixed CaseRedford
City Alias Mixed CaseRedford
Box Count61
SFDU112
MFDU0
State ANSI36
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number356970
Unique ZIP Name
SSA State County Code33090
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseClinton

New York Homeowners Insurance News & Information

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    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • 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 […]