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14005 Home Insurance Rates

For homeowners living in 14005, the population estimates are increasing to well over 1,868 with 687 occupied homes within the zip code of 14005. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Alexander have increased and the average home insurance premium is around $1,038 per year in 14005. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 14005 zip code today so we can help you find affordable Alexander, NY home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 14005

Please select one of the three options below based on your 14005 zip code to learn more about New York homeowners insurance, plus review average rates and information per state, county or city.

  1. New York Homeowners Insurance Quotes
  2. Genesee County, NY Home Insurance
  3. Alexander, NY Home Insurance Quotes

14005 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 14005 zip code just got easier with GetHomeInsuranceQuotes.com of Alexander, NY. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 14005 today and let us help you review the best home insurance quotes available for homeowners living in Alexander.

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14005 Home Insurance Average Premiums

Local 14005 homeowners insurance quotes comparison

$788 /yr.

Shows Zip Code: 14005 lowest rates with discounts applied on average.

For the 14005, 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)
$788 /yr.
Average Coverage:$1038 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1338 /yr.

What is the average home insurance cost for a home in 14005?

  • • The average homeowners insurance premium paid annually for a home in 14005 is around $1038 per year.

What does it cost on average per month for home insurance in 14005?

  • • Homeowners in 14005 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 14005?

  • • Autoowners in 14005 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 Alexander area, check out other zip codes nearby 14005.
Review average rates in another zip code:
14005 homeowners insurance rates

Home Replacement Cost Coverage in 14005

Average Building Cost Per Square Foot in 14005: $205

Location: Alexander, New York (Genesee County)

Average Square Footage in 14005: 728 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14005 before you start any project. Alexander 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 14005 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 14005 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 728 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 Alexander 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$205728$149,300
Additional Upgrades & Added Features$256728$186,625
Major Home Updates or Advancements$308728$223,950

It's important to understand that when you estimate your replacement cost of your home in the 14005 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 14005

Best Home & Auto Insurance Agencies in 14005

Housing Demographics for 14005

Population Review for 14005 Zip Code

For the city of Alexander, the population within 14005 has increased to over 1,544 residents in population size. The current population total is 1,868. We have broken down the population based on race below. In 14005, there are over 924 in male population and 944 females.

PopulationValues
Total Population1,868
White Population1743
Black Population12
Hispanic Population37
Asian Population18
Hawaiian Population0
Indian Population2
Other Population17
Male Population924
Female Population944
Population Estimate1544

Household Data for 14005

The average number of homes in 14005 is around 687, there are an average of 2.71 per household. The average house value according to local real estate values is around $149,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode687
Persons Per Household2.71
Average House Value$149,300
Income Per Household$84297
Median Age42.2
Median Age Male40.3
Median Age Female43.1
14005 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code585
CityAlexander
City Alias NameALEXANDER
CountyGenesee
County FIPS037
State FIPS36
Time Zone5
Day Light SavingY
MSA6840
PMSA
CSA464
CBSA12860
CBSA_DIV
CBSA_TypeMicro
CBSA_NameBatavia, NY
MSA_NameRochester, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses20
Number Of Employees103
Business First Quarter Payroll1016
Business Annual Payroll5078
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population60079
CBSA Division Population0
Congressional District24
Congressional LandArea2388.56
Delivery Residential570
Delivery Business11
Delivery Total1092
Preferred Last Line KeyV11857
Classification Code
Multi-County
CSA NameRochester-Batavia-Seneca Falls, NY
CBSA_DIV_Name
City State KeyV11857
Land Area32.036000
Water Area0.106000
City Alias Code
City Mixed CaseAlexander
City Alias Mixed CaseAlexander
Box Count144
SFDU559
MFDU0
State ANSI36
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number350090
Unique ZIP Name
SSA State County Code33290
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseGenesee

New York Homeowners Insurance News & Information

  • 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 […]

  • 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 […]