14225 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 14225 zip code it's important to know that our rates are very competitive for homeowners living in Buffalo, NY. Many homeowners based out of your 14225 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 14225 should appear in the zip code field ready to go. For Buffalo, NY Homeowners Insurance Quotes nearby, we offer the best rates and service.

14225: Average Home Insurance Rates

For homeowners living in the great city of Buffalo, the average homeowners policy is considered high in comparison to other states. New York premiums are estimated to be around $1026 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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14225 Home Insurance Average Premiums

Local 14225 homeowners insurance quotes comparison

$776 /yr.

Shows Zip Code: 14225 lowest rates with discounts applied on average.

For the 14225, 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)	$776 /yr.
Average Coverage:	$1026 /yr.
2600 sq. ft. or higher (all discounts applied)	$1326 /yr.

What is the average home insurance cost for a home in 14225?

• The average homeowners insurance premium paid annually for a home in 14225 is around $1026 per year.

What does it cost on average per month for home insurance in 14225?

• Homeowners in 14225 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 14225?

• Autoowners in 14225 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 14225.
Review average rates in another zip code:
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14217 homeowners insurance rates
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14212 homeowners insurance rates

Home Replacement Cost Coverage in 14225

Average Building Cost Per Square Foot in 14225: $205

Location: Buffalo, New York (Erie County)

Average Square Footage in 14225: 570 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14225 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 14225 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 14225 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 570 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$205	570	$116,800
Additional Upgrades & Added Features	$256	570	$146,000
Major Home Updates or Advancements	$308	570	$175,200

Calculate Your Dwelling Coverage in 14225

It's important to understand that when you estimate your replacement cost of your home in the 14225 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 Home & Auto Insurance Agencies in 14225

Carey- Donna M - State Farm Insurance Agent

Address: 1045 George Urban Blvd Cheektowaga, NY 14225
Phone:
Website: http://www.donnacarey.com
Info:

Allstate Insurance Company - Joseph Mesi

Address: 759 Dick Rd Buffalo, NY 14225
Phone:
Website: http://www.allstateagencies.com/090501?cid=OTC-YP.com-IYP&att=TL
Info:

Hoey Group, Incorporated

Address: 3521 Union Rd Buffalo, NY 14225
Phone:
Website: http://www.buffalo.citysearch.com/profile/662402340/buffalo_ny/hoey_group_inc_.html
Info:

HOEY GROUP INC - Progressive Insurance

Address: 3521 Union Rd Cheektowaga, NY 14225
Phone:
Website: http://www.buffalo.citysearch.com/profile/external/47492412/cheektowaga_ny/hoey_group_inc_progressive_insurance.html
Info:

Cesar Insurance Agencies/

Address: 2959 Genesee St Cheektowaga, NY 14225
Phone:
Website:
Info:

Housing Demographics for 14225

Population Review for 14225 Zip Code

For the city of Buffalo, the population within 14225 has increased to over 33,093 residents in population size. The current population total is 34,066. We have broken down the population based on race below. In 14225, there are over 16121 in male population and 17945 females.

Population	Values
Total Population	34,066
White Population	25618
Black Population	4609
Hispanic Population	1451
Asian Population	1376
Hawaiian Population	9
Indian Population	73
Other Population	489
Male Population	16121
Female Population	17945
Population Estimate	33093

Household Data for 14225

The average number of homes in 14225 is around 15,548, there are an average of 2.19 per household. The average house value according to local real estate values is around $116,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	15,548
Persons Per Household	2.19
Average House Value	$116,800
Income Per Household	$56632
Median Age	40.4
Median Age Male	38.7
Median Age Female	42.1

14225 Details	Values
State	NY
State Full Name	New York
City Type	P
City Alias Abbreviation
Area Code	716
City	Buffalo
City Alias Name	BUFFALO
County	Erie
County FIPS	029
State FIPS	36
Time Zone	5
Day Light Saving	Y
MSA	1280
PMSA
CSA	160
CBSA	15380
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Buffalo-Cheektowaga, NY
MSA_Name	Buffalo-Niagara Falls, NY MSA
PMSA_Name
Region	Northeast
Division	Middle Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1214
Number Of Employees	24180
Business First Quarter Payroll	267338
Business Annual Payroll	1140932
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	1135509
CBSA Division Population	0
Congressional District	26
Congressional LandArea	219.13
Delivery Residential	15111
Delivery Business	1238
Delivery Total	17733
Preferred Last Line Key	V12344
Classification Code
Multi-County
CSA Name	Buffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State Key	V12344
Land Area	11.484000
Water Area	0.041000
City Alias Code
City Mixed Case	Buffalo
City Alias Mixed Case	Buffalo
Box Count	365
SFDU	14025
MFDU	855
State ANSI	36
County ANSI	029
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	351025
Unique ZIP Name
SSA State County Code	33240
Medicare CBSA Code	15380
Medicare CBSA Name	Buffalo-Cheektowaga, NY
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Erie

New York Homeowners Insurance News & Information

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Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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