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Compare multiple home insurance rates for your home in Natural Bridge just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 352 neighbors looking to save on their home insurance policy in the local 13665 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 13665. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best New York rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Natural Bridge, NY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Natural Bridge, NY

13665 Home Insurance Average Premiums

Local 13665 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 13665 lowest rates with discounts applied on average.

For the 13665, 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)		$764 /yr.
Average Coverage:$1014 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1314 /yr.

What is the average home insurance cost for a home in 13665?

  • • The average homeowners insurance premium paid annually for a home in 13665 is around $1014 per year.

What does it cost on average per month for home insurance in 13665?

  • • Homeowners in 13665 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 13665?

  • • Autoowners in 13665 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 Natural Bridge area, check out other zip codes nearby 13665.
Review average rates in another zip code:
13665 homeowners insurance rates

Home Replacement Cost Coverage in 13665

Average Building Cost Per Square Foot in 13665: $205

Location: Natural Bridge, New York (Jefferson County)

Average Square Footage in 13665: 436 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13665 before you start any project. Natural Bridge 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 13665 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 13665 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 436 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 Natural Bridge 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$205436$89,400
Additional Upgrades & Added Features$256436$111,750
Major Home Updates or Advancements$308436$134,100

It's important to understand that when you estimate your replacement cost of your home in the 13665 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 13665

Best Home & Auto Insurance Agencies in 13665

Housing Demographics for 13665

Population Review for 13665 Zip Code

For the city of Natural Bridge, the population within 13665 has increased to over 701 residents in population size. The current population total is 895. We have broken down the population based on race below. In 13665, there are over 466 in male population and 429 females.

PopulationValues
Total Population895
White Population802
Black Population7
Hispanic Population21
Asian Population3
Hawaiian Population0
Indian Population7
Other Population8
Male Population466
Female Population429
Population Estimate701

Household Data for 13665

The average number of homes in 13665 is around 352, there are an average of 2.54 per household. The average house value according to local real estate values is around $89,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode352
Persons Per Household2.54
Average House Value$89,400
Income Per Household$57963
Median Age41.6
Median Age Male42.2
Median Age Female40.7
13665 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias AbbreviationNATURAL BRG
Area Code315/680
CityNatural Bridge
City Alias NameNATURAL BRIDGE
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 Businesses5
Number Of Employees4
Business First Quarter Payroll12
Business Annual Payroll203
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 District21
Congressional LandArea15114.76
Delivery Residential276
Delivery Business1
Delivery Total405
Preferred Last Line KeyV14917
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV14917
Land Area35.936000
Water Area0.135000
City Alias Code
City Mixed CaseNatural Bridge
City Alias Mixed CaseNatural Bridge
Box Count94
SFDU261
MFDU15
State ANSI36
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355640
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 […]