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13695 Home Insurance Quotes & Rates

Currently, the 35 homes within the 13695 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for New York is around $995 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Wanakena, NY, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 13695.

New York is now ranking #16 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Wanakena home insurance quotes all in one place then GetHomeInsuranceQuotes.com of New York has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 13695 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Wanakena, New York home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Wanakena, NY Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

13695 Home Insurance Average Premiums

Local 13695 homeowners insurance quotes comparison

$745 /yr.

Shows Zip Code: 13695 lowest rates with discounts applied on average.

For the 13695, 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)
$745 /yr.
Average Coverage:$995 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1295 /yr.

What is the average home insurance cost for a home in 13695?

  • • The average homeowners insurance premium paid annually for a home in 13695 is around $995 per year.

What does it cost on average per month for home insurance in 13695?

  • • Homeowners in 13695 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 13695?

  • • Autoowners in 13695 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 Wanakena area, check out other zip codes nearby 13695.
Review average rates in another zip code:
13695 homeowners insurance rates

Home Replacement Cost Coverage in 13695

Average Building Cost Per Square Foot in 13695: $205

Location: Wanakena, New York (Saint Lawrence County)

Average Square Footage in 13695: 780 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13695 before you start any project. Wanakena 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 13695 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 13695 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 780 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 Wanakena 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$205780$160,000
Additional Upgrades & Added Features$256780$200,000
Major Home Updates or Advancements$308780$240,000

It's important to understand that when you estimate your replacement cost of your home in the 13695 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 13695

Best Home & Auto Insurance Agencies in 13695

Housing Demographics for 13695

Population Review for 13695 Zip Code

For the city of Wanakena, the population within 13695 has increased to over 0 residents in population size. The current population total is 124. We have broken down the population based on race below. In 13695, there are over 66 in male population and 58 females.

PopulationValues
Total Population124
White Population86
Black Population23
Hispanic Population5
Asian Population0
Hawaiian Population0
Indian Population2
Other Population0
Male Population66
Female Population58
Population Estimate0

Household Data for 13695

The average number of homes in 13695 is around 35, there are an average of 1.94 per household. The average house value according to local real estate values is around $160,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode35
Persons Per Household1.94
Average House Value$160,000
Income Per Household$106094
Median Age22.2
Median Age Male21.0
Median Age Female30.5
13695 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias Abbreviation
Area Code315
CityWanakena
City Alias NameWANAKENA
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential0
Delivery Business0
Delivery Total102
Preferred Last Line KeyV16795
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV16795
Land Area20.757000
Water Area0.334000
City Alias Code
City Mixed CaseWanakena
City Alias Mixed CaseWanakena
Box Count91
SFDU0
MFDU0
State ANSI36
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number358890
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

  • 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 […]

  • 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 […]