Compare quotes for your home in 14480! Compare the best 12 carriers in minutes.
14480 Online Home Insurance Rates
Comparing a bunch of different rates for your home in 14480 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Lakeville, NY. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 14480 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.
If you would like to review more information on home insurance premiums in New York, like average Lakeville homeowners insurance rates, coverage options or home insurance types, please select Lakeville, NY Home Insurance Rates Online!
14480 Home Insurance Average Premiums
$776 /yr.
Shows Zip Code: 14480 lowest rates with discounts applied on average.
For the 14480, 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 14480?
- • The average homeowners insurance premium paid annually for a home in 14480 is around $1026 per year.
What does it cost on average per month for home insurance in 14480?
- • Homeowners in 14480 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 14480?
- • Autoowners in 14480 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 Lakeville area, check out other zip codes nearby 14480.
Review average rates in another zip code:
14480 homeowners insurance rates
Home Replacement Cost Coverage in 14480
Average Building Cost Per Square Foot in 14480: $205
Location: Lakeville, New York (Livingston County)Average Square Footage in 14480: 805 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 14480 before you start any project. Lakeville 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 14480 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 14480 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 805 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 Lakeville 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 | 805 | $165,000 |
| Additional Upgrades & Added Features | $256 | 805 | $206,250 |
| Major Home Updates or Advancements | $308 | 805 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 14480 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 14480
Allstate Insurance - Kathleen M Sikorski
Address: 5995 Big Tree Rd Ste G Lakeville, NY 14480Phone: (585)346-2840
Website:
Best Home & Auto Insurance Agencies in 14480
Wm Schuster Agency - Allstate Insurance Company
Address: 5703 Gateway Park Lakeville, NY 14480Phone:
Website: http://www.allstate.com/
Info:
Allstate Insurance - Kathleen M Sikorski
Address: 5995 Big Tree Rd Lakeville, NY 14480Phone:
Website:
Info:
Housing Demographics for 14480
Population Review for 14480 Zip Code
For the city of Lakeville, the population within 14480 has increased to over 671 residents in population size. The current population total is 826. We have broken down the population based on race below. In 14480, there are over 386 in male population and 440 females.
| Population | Values |
|---|---|
| Total Population | 826 |
| White Population | 745 |
| Black Population | 2 |
| Hispanic Population | 39 |
| Asian Population | 9 |
| Hawaiian Population | 0 |
| Indian Population | 9 |
| Other Population | 16 |
| Male Population | 386 |
| Female Population | 440 |
| Population Estimate | 671 |
Household Data for 14480
The average number of homes in 14480 is around 407, there are an average of 2.01 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 407 |
| Persons Per Household | 2.01 |
| Average House Value | $165,000 |
| Income Per Household | $80013 |
| Median Age | 50.7 |
| Median Age Male | 49.5 |
| Median Age Female | 52.7 |
| 14480 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 585 |
| City | Lakeville |
| City Alias Name | LAKEVILLE |
| County | Livingston |
| County FIPS | 051 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6840 |
| PMSA | |
| CSA | 464 |
| CBSA | 40380 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Rochester, NY |
| MSA_Name | Rochester, NY MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 55 |
| Number Of Employees | 529 |
| Business First Quarter Payroll | 5405 |
| Business Annual Payroll | 27659 |
| 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 | 1054323 |
| CBSA Division Population | 0 |
| Congressional District | 24 |
| Congressional LandArea | 2388.56 |
| Delivery Residential | 334 |
| Delivery Business | 60 |
| Delivery Total | 556 |
| Preferred Last Line Key | V14272 |
| Classification Code | |
| Multi-County | |
| CSA Name | Rochester-Batavia-Seneca Falls, NY |
| CBSA_DIV_Name | |
| City State Key | V14272 |
| Land Area | 1.278000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Lakeville |
| City Alias Mixed Case | Lakeville |
| Box Count | 123 |
| SFDU | 302 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 051 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 354560 |
| Unique ZIP Name | |
| SSA State County Code | 33350 |
| Medicare CBSA Code | 40380 |
| Medicare CBSA Name | Rochester, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Livingston |
New York Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
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 […]
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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 […]
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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 […]