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14203 Home Insurance Quotes & Rates

Currently, the 1,229 homes within the 14203 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 $1,015 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Buffalo, 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 14203.

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 Buffalo 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 14203 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 Buffalo, 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 Buffalo, NY Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

14203 Home Insurance Average Premiums

Local 14203 homeowners insurance quotes comparison

$765 /yr.

Shows Zip Code: 14203 lowest rates with discounts applied on average.

For the 14203, 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)
$765 /yr.
Average Coverage:$1015 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1315 /yr.

What is the average home insurance cost for a home in 14203?

  • • The average homeowners insurance premium paid annually for a home in 14203 is around $1015 per year.

What does it cost on average per month for home insurance in 14203?

  • • Homeowners in 14203 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 14203?

  • • Autoowners in 14203 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 Buffalo area, check out other zip codes nearby 14203.
Review average rates in another zip code:
14261 homeowners insurance rates
14224 homeowners insurance rates
14212 homeowners insurance rates
14219 homeowners insurance rates
14225 homeowners insurance rates
14206 homeowners insurance rates
14201 homeowners insurance rates
14204 homeowners insurance rates
14221 homeowners insurance rates
14213 homeowners insurance rates

Home Replacement Cost Coverage in 14203

Average Building Cost Per Square Foot in 14203: $205

Location: Buffalo, New York (Erie County)

Average Square Footage in 14203: 1,354 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14203 before you start any project. Buffalo 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 14203 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 14203 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,354 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 Buffalo 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$2051,354$277,500
Additional Upgrades & Added Features$2561,354$346,875
Major Home Updates or Advancements$3081,354$416,250

It's important to understand that when you estimate your replacement cost of your home in the 14203 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 14203

Best Home & Auto Insurance Agencies in 14203

Housing Demographics for 14203

Population Review for 14203 Zip Code

For the city of Buffalo, the population within 14203 has increased to over 2,633 residents in population size. The current population total is 2,006. We have broken down the population based on race below. In 14203, there are over 1079 in male population and 927 females.

PopulationValues
Total Population2,006
White Population963
Black Population745
Hispanic Population177
Asian Population85
Hawaiian Population1
Indian Population12
Other Population64
Male Population1079
Female Population927
Population Estimate2633

Household Data for 14203

The average number of homes in 14203 is around 1,229, there are an average of 1.56 per household. The average house value according to local real estate values is around $277,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,229
Persons Per Household1.56
Average House Value$277,500
Income Per Household$42067
Median Age32.1
Median Age Male33.0
Median Age Female30.8
14203 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716/329/363/585
CityBuffalo
City Alias NameBUFFALO
CountyErie
County FIPS029
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 Businesses532
Number Of Employees22529
Business First Quarter Payroll460570
Business Annual Payroll1863427
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 District26
Congressional LandArea219.13
Delivery Residential1688
Delivery Business748
Delivery Total2711
Preferred Last Line KeyV12344
Classification Code
Multi-County
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV12344
Land Area2.800000
Water Area1.173000
City Alias Code
City Mixed CaseBuffalo
City Alias Mixed CaseBuffalo
Box Count0
SFDU221
MFDU1375
State ANSI36
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number351025
Unique ZIP Name
SSA State County Code33240
Medicare CBSA Code15380
Medicare CBSA NameBuffalo-Cheektowaga, NY
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseErie

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