Get multiple home insurance quotes in 12979. Our licensed 12979, NY agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 12979

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 12979, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Rouses Point, NY from a list of top tier nationwide insurers.

Our New York licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 12979 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 12979

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

12979 Ratings: high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Rouses Point we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 12979, homeowners are seeing rates around 1019 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 12979!

12979 Home Insurance Average Premiums

Local 12979 homeowners insurance quotes comparison

$769 /yr.

Shows Zip Code: 12979 lowest rates with discounts applied on average.

For the 12979, 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)
$769 /yr.
Average Coverage:$1019 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1319 /yr.

What is the average home insurance cost for a home in 12979?

  • • The average homeowners insurance premium paid annually for a home in 12979 is around $1019 per year.

What does it cost on average per month for home insurance in 12979?

  • • Homeowners in 12979 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 12979?

  • • Autoowners in 12979 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 Rouses Point area, check out other zip codes nearby 12979.
Review average rates in another zip code:
12979 homeowners insurance rates

Home Replacement Cost Coverage in 12979

Average Building Cost Per Square Foot in 12979: $205

Location: Rouses Point, New York (Clinton County)

Average Square Footage in 12979: 679 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12979 before you start any project. Rouses Point 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 12979 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 12979 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 679 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 Rouses Point 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$205679$139,200
Additional Upgrades & Added Features$256679$174,000
Major Home Updates or Advancements$308679$208,800

It's important to understand that when you estimate your replacement cost of your home in the 12979 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 12979

Best Home & Auto Insurance Agencies in 12979

Allstate Insurance Agency

Address: 5 Chapman St Rouses Point, NY 12979
Phone:
Website: http://www.allstateagencies.com/066089/Welcome/
Info:

Housing Demographics for 12979

Population Review for 12979 Zip Code

For the city of Rouses Point, the population within 12979 has increased to over 2,351 residents in population size. The current population total is 2,321. We have broken down the population based on race below. In 12979, there are over 1120 in male population and 1201 females.

PopulationValues
Total Population2,321
White Population2166
Black Population22
Hispanic Population45
Asian Population7
Hawaiian Population3
Indian Population10
Other Population11
Male Population1120
Female Population1201
Population Estimate2351

Household Data for 12979

The average number of homes in 12979 is around 1,118, there are an average of 2.07 per household. The average house value according to local real estate values is around $139,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,118
Persons Per Household2.07
Average House Value$139,200
Income Per Household$42267
Median Age48.4
Median Age Male47.2
Median Age Female49.3
12979 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CityRouses Point
City Alias NameROUSES POINT
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 Businesses49
Number Of Employees504
Business First Quarter Payroll4125
Business Annual Payroll18385
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 Residential1136
Delivery Business69
Delivery Total1327
Preferred Last Line KeyV15816
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15816
Land Area4.156000
Water Area0.000000
City Alias Code
City Mixed CaseRouses Point
City Alias Mixed CaseRouses Point
Box Count94
SFDU963
MFDU35
State ANSI36
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number357275
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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  • 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 […]