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13664 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 13664? There are over 194 occupied homes in the 13664 area. With a population size of 398, it's not uncommon for residence of Morristown, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,028 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 13664 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Morristown, NY Home Insurance Rate Quotes

13664 Home Insurance Average Premiums

Local 13664 homeowners insurance quotes comparison

$778 /yr.

Shows Zip Code: 13664 lowest rates with discounts applied on average.

For the 13664, 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)		$778 /yr.
Average Coverage:$1028 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1328 /yr.

What is the average home insurance cost for a home in 13664?

  • • The average homeowners insurance premium paid annually for a home in 13664 is around $1028 per year.

What does it cost on average per month for home insurance in 13664?

  • • Homeowners in 13664 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 13664?

  • • Autoowners in 13664 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 Morristown area, check out other zip codes nearby 13664.
Review average rates in another zip code:
13664 homeowners insurance rates

Home Replacement Cost Coverage in 13664

Average Building Cost Per Square Foot in 13664: $205

Location: Morristown, New York (Saint Lawrence County)

Average Square Footage in 13664: 653 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13664 before you start any project. Morristown 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 13664 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 13664 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 653 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 Morristown 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$205653$133,800
Additional Upgrades & Added Features$256653$167,250
Major Home Updates or Advancements$308653$200,700

It's important to understand that when you estimate your replacement cost of your home in the 13664 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 13664

Best Home & Auto Insurance Agencies in 13664

Housing Demographics for 13664

Population Review for 13664 Zip Code

For the city of Morristown, the population within 13664 has increased to over 208 residents in population size. The current population total is 398. We have broken down the population based on race below. In 13664, there are over 182 in male population and 216 females.

PopulationValues
Total Population398
White Population381
Black Population2
Hispanic Population10
Asian Population1
Hawaiian Population0
Indian Population5
Other Population1
Male Population182
Female Population216
Population Estimate208

Household Data for 13664

The average number of homes in 13664 is around 194, there are an average of 1.97 per household. The average house value according to local real estate values is around $133,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode194
Persons Per Household1.97
Average House Value$133,800
Income Per Household$67000
Median Age50.0
Median Age Male48.5
Median Age Female51.0
13664 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/680
CityMorristown
City Alias NameMORRISTOWN
CountySaint Lawrence
County FIPS089
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA32390
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMassena-Ogdensburg, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses12
Number Of Employees58
Business First Quarter Payroll408
Business Annual Payroll1715
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 Residential106
Delivery Business5
Delivery Total467
Preferred Last Line KeyV14760
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV14760
Land Area0.975000
Water Area0.039000
City Alias Code
City Mixed CaseMorristown
City Alias Mixed CaseMorristown
Box Count198
SFDU63
MFDU12
State ANSI36
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355505
Unique ZIP Name
SSA State County Code33630
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseSaint Lawrence

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 […]