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Homeowners Insurance coverage in 14715
If you are a homeowner in 14715 or Bolivar, NY you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Bolivar.
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What is the Average Home Insurance Rates in 14715?
Residents of Bolivar have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in New York? While New York is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, New York comes in at 16 in the country for homeowners insurance premiums.
If you are living in 14715 zipcode, expect to pay around $1024 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.
Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Bolivar does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.
Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.
14715 Home Insurance Average Premiums
$774 /yr.
Shows Zip Code: 14715 lowest rates with discounts applied on average.
For the 14715, 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) | $774 /yr. |
| Average Coverage: | $1024 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1324 /yr. |
What is the average home insurance cost for a home in 14715?
- • The average homeowners insurance premium paid annually for a home in 14715 is around $1024 per year.
What does it cost on average per month for home insurance in 14715?
- • Homeowners in 14715 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 14715?
- • Autoowners in 14715 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 Bolivar area, check out other zip codes nearby 14715.
Review average rates in another zip code:
14715 homeowners insurance rates
Home Replacement Cost Coverage in 14715
Average Building Cost Per Square Foot in 14715: $205
Location: Bolivar, New York (Allegany County)Average Square Footage in 14715: 310 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 14715 before you start any project. Bolivar 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 14715 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 14715 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 310 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 Bolivar 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 | 310 | $63,600 |
| Additional Upgrades & Added Features | $256 | 310 | $79,500 |
| Major Home Updates or Advancements | $308 | 310 | $95,400 |
It's important to understand that when you estimate your replacement cost of your home in the 14715 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 14715
Best Home & Auto Insurance Agencies in 14715
Housing Demographics for 14715
Population Review for 14715 Zip Code
For the city of Bolivar, the population within 14715 has increased to over 2,870 residents in population size. The current population total is 2,613. We have broken down the population based on race below. In 14715, there are over 1297 in male population and 1316 females.
| Population | Values |
|---|---|
| Total Population | 2,613 |
| White Population | 2485 |
| Black Population | 8 |
| Hispanic Population | 13 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 6 |
| Other Population | 5 |
| Male Population | 1297 |
| Female Population | 1316 |
| Population Estimate | 2870 |
Household Data for 14715
The average number of homes in 14715 is around 1,056, there are an average of 2.47 per household. The average house value according to local real estate values is around $63,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,056 |
| Persons Per Household | 2.47 |
| Average House Value | $63,600 |
| Income Per Household | $45110 |
| Median Age | 42.2 |
| Median Age Male | 41.4 |
| Median Age Female | 42.8 |
| 14715 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 585 |
| City | Bolivar |
| City Alias Name | BOLIVAR |
| County | Allegany |
| County FIPS | 003 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 42 |
| Number Of Employees | 274 |
| Business First Quarter Payroll | 1965 |
| Business Annual Payroll | 8440 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 23 |
| Congressional LandArea | 7371.65 |
| Delivery Residential | 1162 |
| Delivery Business | 42 |
| Delivery Total | 1264 |
| Preferred Last Line Key | V12207 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V12207 |
| Land Area | 45.658000 |
| Water Area | 0.029000 |
| City Alias Code | |
| City Mixed Case | Bolivar |
| City Alias Mixed Case | Bolivar |
| Box Count | 43 |
| SFDU | 1124 |
| MFDU | 24 |
| State ANSI | 36 |
| County ANSI | 003 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 350805 |
| Unique ZIP Name | |
| SSA State County Code | 33010 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 2 |
| County Mixed Case | Allegany |
New York Homeowners Insurance News & Information
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]