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Home Insurance Rates in 12997

For homeowners shopping online in 12997, our insurance rates are very competitive for homeowners living in Wilmington, NY. Many homeowners based out of the great city of Wilmington have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New York licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 12997, simply click the "Get Multiple Quotes Now" button. Your 12997 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Wilmington, NY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

12997 Home Insurance Rating is: High!

If you live in 12997, you can easily save up to 40% off the average home insurance premium of $1041 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Wilmington can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 12997 today!

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12997 Home Insurance Average Premiums

Local 12997 homeowners insurance quotes comparison

$791 /yr.

Shows Zip Code: 12997 lowest rates with discounts applied on average.

For the 12997, 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)		$791 /yr.
Average Coverage:$1041 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1341 /yr.

What is the average home insurance cost for a home in 12997?

  • • The average homeowners insurance premium paid annually for a home in 12997 is around $1041 per year.

What does it cost on average per month for home insurance in 12997?

  • • Homeowners in 12997 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 12997?

  • • Autoowners in 12997 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 Wilmington area, check out other zip codes nearby 12997.
Review average rates in another zip code:
12997 homeowners insurance rates

Home Replacement Cost Coverage in 12997

Average Building Cost Per Square Foot in 12997: $205

Location: Wilmington, New York (Essex County)

Average Square Footage in 12997: 1,157 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12997 before you start any project. Wilmington 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 12997 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 12997 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,157 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 Wilmington 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$2051,157$237,100
Additional Upgrades & Added Features$2561,157$296,375
Major Home Updates or Advancements$3081,157$355,650

It's important to understand that when you estimate your replacement cost of your home in the 12997 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 12997

Best Home & Auto Insurance Agencies in 12997

Housing Demographics for 12997

Population Review for 12997 Zip Code

For the city of Wilmington, the population within 12997 has increased to over 879 residents in population size. The current population total is 1,139. We have broken down the population based on race below. In 12997, there are over 555 in male population and 584 females.

PopulationValues
Total Population1,139
White Population1076
Black Population2
Hispanic Population40
Asian Population2
Hawaiian Population0
Indian Population2
Other Population11
Male Population555
Female Population584
Population Estimate879

Household Data for 12997

The average number of homes in 12997 is around 512, there are an average of 2.22 per household. The average house value according to local real estate values is around $237,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode512
Persons Per Household2.22
Average House Value$237,100
Income Per Household$70703
Median Age50.8
Median Age Male50.9
Median Age Female50.7
12997 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code518
CityWilmington
City Alias NameWILMINGTON
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 Businesses45
Number Of Employees351
Business First Quarter Payroll2641
Business Annual Payroll10470
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 Residential396
Delivery Business15
Delivery Total777
Preferred Last Line KeyV17057
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV17057
Land Area65.224000
Water Area0.249000
City Alias Code
City Mixed CaseWilmington
City Alias Mixed CaseWilmington
Box Count273
SFDU371
MFDU0
State ANSI36
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number359410
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

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    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]