Compare quotes for your home in 13651! Compare the best 12 carriers in minutes.
Home Insurance Rates in 13651
For homeowners shopping online in 13651, our insurance rates are very competitive for homeowners living in Henderson Harbor, NY. Many homeowners based out of the great city of Henderson Harbor 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 13651, simply click the "Get Multiple Quotes Now" button. Your 13651 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Henderson Harbor, NY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
13651 Home Insurance Rating is: High!
If you live in 13651, you can easily save up to 40% off the average home insurance premium of $971 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 Henderson Harbor 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 13651 today!
13651 Home Insurance Average Premiums
$721 /yr.
Shows Zip Code: 13651 lowest rates with discounts applied on average.
For the 13651, 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) | $721 /yr. |
| Average Coverage: | $971 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1271 /yr. |
What is the average home insurance cost for a home in 13651?
- • The average homeowners insurance premium paid annually for a home in 13651 is around $971 per year.
What does it cost on average per month for home insurance in 13651?
- • Homeowners in 13651 pay a monthly average cost per month around $81.00.
What kind of discount could I get if I combine my home and auto insurance together in 13651?
- • Autoowners in 13651 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 Henderson Harbor area, check out other zip codes nearby 13651.
Review average rates in another zip code:
13651 homeowners insurance rates
Home Replacement Cost Coverage in 13651
Average Building Cost Per Square Foot in 13651: $205
Location: Henderson Harbor, New York (Jefferson County)Average Square Footage in 13651: 1,294 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 13651 before you start any project. Henderson Harbor 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 13651 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 13651 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,294 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 Henderson Harbor 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $205 | 1,294 | $265,300 |
| Additional Upgrades & Added Features | $256 | 1,294 | $331,625 |
| Major Home Updates or Advancements | $308 | 1,294 | $397,950 |
It's important to understand that when you estimate your replacement cost of your home in the 13651 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 13651
Best Home & Auto Insurance Agencies in 13651
Housing Demographics for 13651
Population Review for 13651 Zip Code
For the city of Henderson Harbor, the population within 13651 has increased to over 0 residents in population size. The current population total is 95. We have broken down the population based on race below. In 13651, there are over 28 in male population and 67 females.
| Population | Values |
|---|---|
| Total Population | 95 |
| White Population | 89 |
| Black Population | 0 |
| Hispanic Population | 1 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 0 |
| Male Population | 28 |
| Female Population | 67 |
| Population Estimate | 0 |
Household Data for 13651
The average number of homes in 13651 is around 59, there are an average of 1.61 per household. The average house value according to local real estate values is around $265,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 59 |
| Persons Per Household | 1.61 |
| Average House Value | $265,300 |
| Income Per Household | $105694 |
| Median Age | 44.5 |
| Median Age Male | 41.5 |
| Median Age Female | 44.8 |
| 13651 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | Z |
| City Alias Abbreviation | HENDERSON HBR |
| Area Code | 315/680 |
| City | Henderson Harbor |
| City Alias Name | HENDERSON HARBOR |
| County | Jefferson |
| County FIPS | 045 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 48060 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Watertown-Fort Drum, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 8 |
| Number Of Employees | 11 |
| Business First Quarter Payroll | 189 |
| Business Annual Payroll | 1310 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 116229 |
| CBSA Division Population | 0 |
| Congressional District | 24 |
| Congressional LandArea | 2388.56 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 139 |
| Preferred Last Line Key | V13826 |
| Classification Code | P |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V13826 |
| Land Area | 2.129000 |
| Water Area | 0.124000 |
| City Alias Code | |
| City Mixed Case | Henderson Harbor |
| City Alias Mixed Case | Henderson Harbor |
| Box Count | 130 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 045 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 353735 |
| Unique ZIP Name | |
| SSA State County Code | 33330 |
| Medicare CBSA Code | 48060 |
| Medicare CBSA Name | Watertown-Fort Drum, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 7 |
| County Mixed Case | Jefferson |
New York Homeowners Insurance News & Information
-
2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
-
What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
-
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]