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14012 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 14012? There are over 916 occupied homes in the 14012 area. With a population size of 2,334, it's not uncommon for residence of Barker, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,016 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 14012 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Barker, NY Home Insurance Rate Quotes

14012 Home Insurance Average Premiums

Local 14012 homeowners insurance quotes comparison

$766 /yr.

Shows Zip Code: 14012 lowest rates with discounts applied on average.

For the 14012, 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 14012?

  • • The average homeowners insurance premium paid annually for a home in 14012 is around $1016 per year.

What does it cost on average per month for home insurance in 14012?

  • • Homeowners in 14012 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 14012?

  • • Autoowners in 14012 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 Barker area, check out other zip codes nearby 14012.
Review average rates in another zip code:
14012 homeowners insurance rates

Home Replacement Cost Coverage in 14012

Average Building Cost Per Square Foot in 14012: $205

Location: Barker, New York (Niagara County)

Average Square Footage in 14012: 677 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14012 before you start any project. Barker 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 14012 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 14012 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 677 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 Barker 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$205677$138,800
Additional Upgrades & Added Features$256677$173,500
Major Home Updates or Advancements$308677$208,200

It's important to understand that when you estimate your replacement cost of your home in the 14012 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 14012

Best Home & Auto Insurance Agencies in 14012

Housing Demographics for 14012

Population Review for 14012 Zip Code

For the city of Barker, the population within 14012 has increased to over 2,149 residents in population size. The current population total is 2,334. We have broken down the population based on race below. In 14012, there are over 1216 in male population and 1118 females.

PopulationValues
Total Population2,334
White Population2076
Black Population10
Hispanic Population90
Asian Population13
Hawaiian Population1
Indian Population14
Other Population38
Male Population1216
Female Population1118
Population Estimate2149

Household Data for 14012

The average number of homes in 14012 is around 916, there are an average of 2.52 per household. The average house value according to local real estate values is around $138,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode916
Persons Per Household2.52
Average House Value$138,800
Income Per Household$60250
Median Age41.9
Median Age Male41.1
Median Age Female43.1
14012 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716
CityBarker
City Alias NameBARKER
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 Businesses30
Number Of Employees275
Business First Quarter Payroll2650
Business Annual Payroll10542
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|25
Congressional LandArea2388.56|510.19
Delivery Residential853
Delivery Business16
Delivery Total1073
Preferred Last Line KeyV12045
Classification Code
Multi-CountyY
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV12045
Land Area33.536000
Water Area1.288000
City Alias Code
City Mixed CaseBarker
City Alias Mixed CaseBarker
Box Count134
SFDU787
MFDU66
State ANSI36
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number350480
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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