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Home Insurance Rates in 14228

For homeowners shopping online in 14228, our insurance rates are very competitive for homeowners living in Buffalo, NY. Many homeowners based out of the great city of Buffalo have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 14228, simply click the "Get Multiple Quotes Now" button. Your 14228 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Buffalo, NY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

14228 Home Insurance Rating is: High!

If you live in 14228, you can easily save up to 40% off the average home insurance premium of $1035 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Buffalo can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 14228 today!

Get Multiple Home Insurance Rates in 14228!

14228 Home Insurance Average Premiums

Local 14228 homeowners insurance quotes comparison

$785 /yr.

Shows Zip Code: 14228 lowest rates with discounts applied on average.

For the 14228, 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)
$785 /yr.
Average Coverage:$1035 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1335 /yr.

What is the average home insurance cost for a home in 14228?

  • • The average homeowners insurance premium paid annually for a home in 14228 is around $1035 per year.

What does it cost on average per month for home insurance in 14228?

  • • Homeowners in 14228 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 14228?

  • • Autoowners in 14228 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 14228.
Review average rates in another zip code:
14211 homeowners insurance rates
14204 homeowners insurance rates
14210 homeowners insurance rates
14212 homeowners insurance rates
14227 homeowners insurance rates
14228 homeowners insurance rates
14225 homeowners insurance rates
14221 homeowners insurance rates
14203 homeowners insurance rates
14201 homeowners insurance rates

Home Replacement Cost Coverage in 14228

Average Building Cost Per Square Foot in 14228: $205

Location: Buffalo, New York (Erie County)

Average Square Footage in 14228: 985 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14228 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 14228 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 14228 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 985 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$205985$202,000
Additional Upgrades & Added Features$256985$252,500
Major Home Updates or Advancements$308985$303,000

It's important to understand that when you estimate your replacement cost of your home in the 14228 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 14228

Best Home & Auto Insurance Agencies in 14228

G SAMUEL BITAR

Address: 656 N French Rd, #1 Buffalo, NY 14228
Phone:
Website: http://www.erieinsurance.com/
Info:

Allstate Insurance Company - Dennis Booth

Address: 690 N French Rd Buffalo, NY 14228
Phone:
Website: http://www.allstateagencies.com/DennisBooth/Welcome/
Info:

Kevin K Conley - Nationwide Insurance

Address: 2521 Niagara Falls Blvd Buffalo, NY 14228
Phone:
Website: http://www.buffalo.citysearch.com/profile/external/7755964/buffalo_ny/kevin_k_conley_nationwide_insurance.html
Info:

Housing Demographics for 14228

Population Review for 14228 Zip Code

For the city of Buffalo, the population within 14228 has increased to over 24,501 residents in population size. The current population total is 23,945. We have broken down the population based on race below. In 14228, there are over 11962 in male population and 11983 females.

PopulationValues
Total Population23,945
White Population15926
Black Population2482
Hispanic Population1103
Asian Population3704
Hawaiian Population7
Indian Population65
Other Population385
Male Population11962
Female Population11983
Population Estimate24501

Household Data for 14228

The average number of homes in 14228 is around 9,961, there are an average of 2.35 per household. The average house value according to local real estate values is around $202,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,961
Persons Per Household2.35
Average House Value$202,000
Income Per Household$63670
Median Age32.0
Median Age Male29.0
Median Age Female35.2
14228 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716
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 Businesses692
Number Of Employees15755
Business First Quarter Payroll199263
Business Annual Payroll845151
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 Residential10426
Delivery Business665
Delivery Total11814
Preferred Last Line KeyV12344
Classification Code
Multi-County
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV12344
Land Area15.927000
Water Area0.225000
City Alias Code
City Mixed CaseBuffalo
City Alias Mixed CaseBuffalo
Box Count0
SFDU6146
MFDU3177
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

New York Homeowners Insurance News & Information

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    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 […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]