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14008 Homeowners Insurance Quotes & Rates

Appleton residents living within the 531 homes available in the zip code of 14008 are shopping online to compare cheaper and more affordable Appleton, NY home insurance rates. In the great city of Appleton, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of New York is around $1,044 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 14008 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 14008 home insurance rates today! Please give us a call now at 1-855-976-2656. For Appleton, NY Homeowners Insurance Quotes, Click to easily get started!

14008 Home Insurance Average Premiums

Local 14008 homeowners insurance quotes comparison

$794 /yr.

Shows Zip Code: 14008 lowest rates with discounts applied on average.

For the 14008, 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)
$794 /yr.
Average Coverage:$1044 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1344 /yr.

What is the average home insurance cost for a home in 14008?

  • • The average homeowners insurance premium paid annually for a home in 14008 is around $1044 per year.

What does it cost on average per month for home insurance in 14008?

  • • Homeowners in 14008 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 14008?

  • • Autoowners in 14008 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 Appleton area, check out other zip codes nearby 14008.
Review average rates in another zip code:
14008 homeowners insurance rates

Home Replacement Cost Coverage in 14008

Average Building Cost Per Square Foot in 14008: $205

Location: Appleton, New York (Niagara County)

Average Square Footage in 14008: 819 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14008 before you start any project. Appleton 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 14008 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 14008 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 819 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 Appleton 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$205819$167,900
Additional Upgrades & Added Features$256819$209,875
Major Home Updates or Advancements$308819$251,850

It's important to understand that when you estimate your replacement cost of your home in the 14008 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 14008

Best Home & Auto Insurance Agencies in 14008

Housing Demographics for 14008

Population Review for 14008 Zip Code

For the city of Appleton, the population within 14008 has increased to over 1,366 residents in population size. The current population total is 1,306. We have broken down the population based on race below. In 14008, there are over 648 in male population and 658 females.

PopulationValues
Total Population1,306
White Population1166
Black Population12
Hispanic Population64
Asian Population7
Hawaiian Population0
Indian Population11
Other Population37
Male Population648
Female Population658
Population Estimate1366

Household Data for 14008

The average number of homes in 14008 is around 531, there are an average of 2.44 per household. The average house value according to local real estate values is around $167,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode531
Persons Per Household2.44
Average House Value$167,900
Income Per Household$61691
Median Age47.4
Median Age Male46.2
Median Age Female47.9
14008 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716
CityAppleton
City Alias NameAPPLETON
CountyNiagara
County FIPS063
State FIPS36
Time Zone5
Day Light SavingY
MSA1280
PMSA
CSA160
CBSA15380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBuffalo-Cheektowaga, NY
MSA_NameBuffalo-Niagara Falls, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses18
Number Of Employees39
Business First Quarter Payroll257
Business Annual Payroll1253
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1135509
CBSA Division Population0
Congressional District24
Congressional LandArea2388.56
Delivery Residential560
Delivery Business12
Delivery Total953
Preferred Last Line KeyV11927
Classification Code
Multi-County
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV11927
Land Area24.810000
Water Area0.820000
City Alias Code
City Mixed CaseAppleton
City Alias Mixed CaseAppleton
Box Count21
SFDU560
MFDU0
State ANSI36
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number350250
Unique ZIP Name
SSA State County Code33500
Medicare CBSA Code15380
Medicare CBSA NameBuffalo-Cheektowaga, NY
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseNiagara

New York Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    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 […]