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Home Insurance in 13634

One of the best ways to save money on your homeowners insurance policy in the 13634 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Dexter, NY. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our New York licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 13634 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 13634

Find Dexter, NY Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 13634

According to industry data, homeowners located in Dexter pay roughly $987 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 13634 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of New York home insurance premiums found that premiums in 13634 are 16 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 13634 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 13634.

Let us find you a great policy at an affordable price, get 13634 homeowners insurance quotes now.

13634 Home Insurance Average Premiums

Local 13634 homeowners insurance quotes comparison

$737 /yr.

Shows Zip Code: 13634 lowest rates with discounts applied on average.

For the 13634, 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)
$737 /yr.
Average Coverage:$987 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1287 /yr.

What is the average home insurance cost for a home in 13634?

  • • The average homeowners insurance premium paid annually for a home in 13634 is around $987 per year.

What does it cost on average per month for home insurance in 13634?

  • • Homeowners in 13634 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 13634?

  • • Autoowners in 13634 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 Dexter area, check out other zip codes nearby 13634.
Review average rates in another zip code:
13634 homeowners insurance rates

Home Replacement Cost Coverage in 13634

Average Building Cost Per Square Foot in 13634: $205

Location: Dexter, New York (Jefferson County)

Average Square Footage in 13634: 823 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13634 before you start any project. Dexter 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 13634 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 13634 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 823 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 Dexter 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$205823$168,700
Additional Upgrades & Added Features$256823$210,875
Major Home Updates or Advancements$308823$253,050

It's important to understand that when you estimate your replacement cost of your home in the 13634 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 13634

Best Home & Auto Insurance Agencies in 13634

Housing Demographics for 13634

Population Review for 13634 Zip Code

For the city of Dexter, the population within 13634 has increased to over 3,263 residents in population size. The current population total is 3,999. We have broken down the population based on race below. In 13634, there are over 1987 in male population and 2012 females.

PopulationValues
Total Population3,999
White Population3728
Black Population17
Hispanic Population76
Asian Population25
Hawaiian Population3
Indian Population10
Other Population17
Male Population1987
Female Population2012
Population Estimate3263

Household Data for 13634

The average number of homes in 13634 is around 1,651, there are an average of 2.41 per household. The average house value according to local real estate values is around $168,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,651
Persons Per Household2.41
Average House Value$168,700
Income Per Household$66753
Median Age45.4
Median Age Male43.7
Median Age Female47.3
13634 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315
CityDexter
City Alias NameDEXTER
CountyJefferson
County FIPS045
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA48060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWatertown-Fort Drum, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses49
Number Of Employees192
Business First Quarter Payroll1966
Business Annual Payroll9142
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population116229
CBSA Division Population0
Congressional District24
Congressional LandArea2388.56
Delivery Residential1354
Delivery Business18
Delivery Total1772
Preferred Last Line KeyV12932
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV12932
Land Area48.364000
Water Area1.386000
City Alias Code
City Mixed CaseDexter
City Alias Mixed CaseDexter
Box Count360
SFDU1231
MFDU59
State ANSI36
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number352230
Unique ZIP Name
SSA State County Code33330
Medicare CBSA Code48060
Medicare CBSA NameWatertown-Fort Drum, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseJefferson

New York Homeowners Insurance News & Information

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    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 […]