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14743 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 14743? There are over 657 occupied homes in the 14743 area. With a population size of 1,584, it's not uncommon for residence of Hinsdale, NY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New York is around $1,006 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 14743 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Hinsdale, NY Home Insurance Rate Quotes

14743 Home Insurance Average Premiums

Local 14743 homeowners insurance quotes comparison

$756 /yr.

Shows Zip Code: 14743 lowest rates with discounts applied on average.

For the 14743, 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)		$756 /yr.
Average Coverage:$1006 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1306 /yr.

What is the average home insurance cost for a home in 14743?

  • • The average homeowners insurance premium paid annually for a home in 14743 is around $1006 per year.

What does it cost on average per month for home insurance in 14743?

  • • Homeowners in 14743 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 14743?

  • • Autoowners in 14743 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 Hinsdale area, check out other zip codes nearby 14743.
Review average rates in another zip code:
14743 homeowners insurance rates

Home Replacement Cost Coverage in 14743

Average Building Cost Per Square Foot in 14743: $205

Location: Hinsdale, New York (Cattaraugus County)

Average Square Footage in 14743: 395 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14743 before you start any project. Hinsdale 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 14743 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 14743 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 395 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 Hinsdale 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$205395$80,900
Additional Upgrades & Added Features$256395$101,125
Major Home Updates or Advancements$308395$121,350

It's important to understand that when you estimate your replacement cost of your home in the 14743 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 14743

Best Home & Auto Insurance Agencies in 14743

Housing Demographics for 14743

Population Review for 14743 Zip Code

For the city of Hinsdale, the population within 14743 has increased to over 1,747 residents in population size. The current population total is 1,584. We have broken down the population based on race below. In 14743, there are over 819 in male population and 765 females.

PopulationValues
Total Population1,584
White Population1491
Black Population10
Hispanic Population25
Asian Population5
Hawaiian Population0
Indian Population5
Other Population5
Male Population819
Female Population765
Population Estimate1747

Household Data for 14743

The average number of homes in 14743 is around 657, there are an average of 2.40 per household. The average house value according to local real estate values is around $80,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode657
Persons Per Household2.40
Average House Value$80,900
Income Per Household$53250
Median Age47.3
Median Age Male46.1
Median Age Female48.9
14743 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716
CityHinsdale
City Alias NameHINSDALE
CountyCattaraugus
County FIPS009
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA160
CBSA36460
CBSA_DIV
CBSA_TypeMicro
CBSA_NameOlean, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses18
Number Of Employees85
Business First Quarter Payroll612
Business Annual Payroll3203
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population80317
CBSA Division Population0
Congressional District23
Congressional LandArea7371.65
Delivery Residential728
Delivery Business27
Delivery Total839
Preferred Last Line KeyV13889
Classification Code
Multi-County
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV13889
Land Area45.107000
Water Area0.030000
City Alias Code
City Mixed CaseHinsdale
City Alias Mixed CaseHinsdale
Box Count77
SFDU680
MFDU0
State ANSI36
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number353845
Unique ZIP Name
SSA State County Code33040
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseCattaraugus

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 […]