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14626 Home Insurance Rates

Getting multiple homeowners insurance rates in 14626 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Rochester, NY. Many homeowners based out of the 14626 zip code 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. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our New York licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 14626 should appear in the zip code field ready to go. For Rochester, NY Home Insurance Quotes, Click to easily get started!

14626 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 14626 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Rochester. For a basic HO-3, standard homeowners policy, the average premium per year in New York is around $995. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 14626 zip code today and let us help you save time and money on your homeowners insurance premium.

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14626 Home Insurance Average Premiums

Local 14626 homeowners insurance quotes comparison

$745 /yr.

Shows Zip Code: 14626 lowest rates with discounts applied on average.

For the 14626, 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)
$745 /yr.
Average Coverage:$995 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1295 /yr.

What is the average home insurance cost for a home in 14626?

  • • The average homeowners insurance premium paid annually for a home in 14626 is around $995 per year.

What does it cost on average per month for home insurance in 14626?

  • • Homeowners in 14626 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 14626?

  • • Autoowners in 14626 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 Rochester area, check out other zip codes nearby 14626.
Review average rates in another zip code:
14604 homeowners insurance rates
14626 homeowners insurance rates
14625 homeowners insurance rates
14624 homeowners insurance rates
14615 homeowners insurance rates
14613 homeowners insurance rates
14620 homeowners insurance rates
14622 homeowners insurance rates
14611 homeowners insurance rates
14607 homeowners insurance rates

Home Replacement Cost Coverage in 14626

Average Building Cost Per Square Foot in 14626: $205

Location: Rochester, New York (Monroe County)

Average Square Footage in 14626: 737 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14626 before you start any project. Rochester 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 14626 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 14626 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 737 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 Rochester 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$205737$151,100
Additional Upgrades & Added Features$256737$188,875
Major Home Updates or Advancements$308737$226,650

It's important to understand that when you estimate your replacement cost of your home in the 14626 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 14626

Allstate Insurance - Charles D Lovall

Address: 2080 Ridge Rd W Rochester, NY 14626
Phone: (585)227-2873
Website:

Best Home & Auto Insurance Agencies in 14626

Ryan R Ferraro Agency - Nationwide Insurance

Address: 1100 Long Pond Rd Rochester, NY 14626
Phone:
Website: http://www.rochester.citysearch.com/profile/external/44415904/rochester_ny/ryan_r_ferraro_agency_nationwide_insurance.html
Info:

Lovall, Charles - Allstate

Address: 2080 W Ridge Rd Rochester, NY 14626
Phone:
Website: http://www.allstateagencies.com/CharlesLovall/Welcome/
Info:

Breen-hale- A Christina

Address: 3093 Ridge Rd W Rochester, NY 14626
Phone:
Website: http://www.christinabreen.com
Info:

Barion Mills Insurance

Address: 1942 W Ridge Rd Rochester, NY 14626
Phone:
Website: http://www.rochester.citysearch.com/profile/external/46266603/rochester_ny/mills_barion_state_farm_insurance_agent.html
Info:

Justin Coons - Allstate Agent

Address: 2440 Ridgeway Ave Rochester, NY 14626
Phone:
Website: http://www.allstateagencies.com/JustinCoons/Welcome/
Info:

Housing Demographics for 14626

Population Review for 14626 Zip Code

For the city of Rochester, the population within 14626 has increased to over 30,363 residents in population size. The current population total is 30,032. We have broken down the population based on race below. In 14626, there are over 14154 in male population and 15878 females.

PopulationValues
Total Population30,032
White Population23462
Black Population2782
Hispanic Population2148
Asian Population1028
Hawaiian Population15
Indian Population63
Other Population710
Male Population14154
Female Population15878
Population Estimate30363

Household Data for 14626

The average number of homes in 14626 is around 13,128, there are an average of 2.26 per household. The average house value according to local real estate values is around $151,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,128
Persons Per Household2.26
Average House Value$151,100
Income Per Household$75188
Median Age47.1
Median Age Male43.9
Median Age Female49.5
14626 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code585
CityRochester
City Alias NameROCHESTER
CountyMonroe
County FIPS055
State FIPS36
Time Zone5
Day Light SavingY
MSA6840
PMSA
CSA464
CBSA40380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRochester, NY
MSA_NameRochester, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses776
Number Of Employees12311
Business First Quarter Payroll154230
Business Annual Payroll582570
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1054323
CBSA Division Population0
Congressional District25
Congressional LandArea510.19
Delivery Residential13435
Delivery Business773
Delivery Total14726
Preferred Last Line KeyV15732
Classification Code
Multi-County
CSA NameRochester-Batavia-Seneca Falls, NY
CBSA_DIV_Name
City State KeyV15732
Land Area13.375000
Water Area0.057000
City Alias Code
City Mixed CaseRochester
City Alias Mixed CaseRochester
Box Count174
SFDU9818
MFDU2397
State ANSI36
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number357105
Unique ZIP Name
SSA State County Code33370
Medicare CBSA Code40380
Medicare CBSA NameRochester, NY
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseMonroe

New York Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]