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13865 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 13865 zip code it's important to know that our rates are very competitive for homeowners living in Windsor, NY. Many homeowners based out of your 13865 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 13865 should appear in the zip code field ready to go. For Windsor, NY Homeowners Insurance Quotes nearby, we offer the best rates and service.

13865: Average Home Insurance Rates

For homeowners living in the great city of Windsor, the average homeowners policy is considered high in comparison to other states. New York premiums are estimated to be around $1016 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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13865 Home Insurance Average Premiums

Local 13865 homeowners insurance quotes comparison

$766 /yr.

Shows Zip Code: 13865 lowest rates with discounts applied on average.

For the 13865, 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)		$766 /yr.
Average Coverage:$1016 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1316 /yr.

What is the average home insurance cost for a home in 13865?

  • • The average homeowners insurance premium paid annually for a home in 13865 is around $1016 per year.

What does it cost on average per month for home insurance in 13865?

  • • Homeowners in 13865 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 13865?

  • • Autoowners in 13865 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 Windsor area, check out other zip codes nearby 13865.
Review average rates in another zip code:
13865 homeowners insurance rates

Home Replacement Cost Coverage in 13865

Average Building Cost Per Square Foot in 13865: $205

Location: Windsor, New York (Broome County)

Average Square Footage in 13865: 678 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13865 before you start any project. Windsor 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 13865 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 13865 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 678 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 Windsor 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$205678$138,900
Additional Upgrades & Added Features$256678$173,625
Major Home Updates or Advancements$308678$208,350

It's important to understand that when you estimate your replacement cost of your home in the 13865 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 13865

Best Home & Auto Insurance Agencies in 13865

Housing Demographics for 13865

Population Review for 13865 Zip Code

For the city of Windsor, the population within 13865 has increased to over 6,163 residents in population size. The current population total is 5,754. We have broken down the population based on race below. In 13865, there are over 2947 in male population and 2807 females.

PopulationValues
Total Population5,754
White Population5283
Black Population41
Hispanic Population132
Asian Population21
Hawaiian Population1
Indian Population19
Other Population50
Male Population2947
Female Population2807
Population Estimate6163

Household Data for 13865

The average number of homes in 13865 is around 2,259, there are an average of 2.53 per household. The average house value according to local real estate values is around $138,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,259
Persons Per Household2.53
Average House Value$138,900
Income Per Household$58813
Median Age45.1
Median Age Male43.5
Median Age Female47.2
13865 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code607
CityWindsor
City Alias NameWINDSOR
CountyBroome
County FIPS007
State FIPS36
Time Zone5
Day Light SavingY
MSA0960
PMSA
CSA
CBSA13780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBinghamton, NY
MSA_NameBinghamton, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses77
Number Of Employees346
Business First Quarter Payroll2195
Business Annual Payroll11319
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population251725
CBSA Division Population0
Congressional District19
Congressional LandArea7937.02
Delivery Residential2436
Delivery Business62
Delivery Total2663
Preferred Last Line KeyV17064
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV17064
Land Area107.321000
Water Area1.250000
City Alias Code
City Mixed CaseWindsor
City Alias Mixed CaseWindsor
Box Count110
SFDU2289
MFDU0
State ANSI36
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number359430
Unique ZIP Name
SSA State County Code33030
Medicare CBSA Code13780
Medicare CBSA NameBinghamton, NY
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseBroome

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 […]