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Check Out 14819 Home Insurance Rates
Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Cameron, NY.
We will gather some basic information about your home in Cameron, NY and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.
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Research Home Insurance Quotes in 14819
We have pulled together a variety of data related to homeowners insurance in New York. Simply click on one of the links below to learn about the average cost of homeowners insurance in New York as well as local coverage options.
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Cameron, NY home insurance quotes in your local city and review the most competitive coverages and premiums.
14819 Homeowners Insurance Rates, Average Rating: high!
Homeowners insurance policies in 14819 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.
Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.
Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in New York is roughly $1024. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.
Get started right now saving on your 14819 homeowners insurance policy!
14819 Home Insurance Average Premiums
$774 /yr.
Shows Zip Code: 14819 lowest rates with discounts applied on average.
For the 14819, 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 14819?
- • The average homeowners insurance premium paid annually for a home in 14819 is around $1024 per year.
What does it cost on average per month for home insurance in 14819?
- • Homeowners in 14819 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 14819?
- • Autoowners in 14819 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 Cameron area, check out other zip codes nearby 14819.
Review average rates in another zip code:
14819 homeowners insurance rates
Home Replacement Cost Coverage in 14819
Average Building Cost Per Square Foot in 14819: $205
Location: Cameron, New York (Steuben County)Average Square Footage in 14819: 390 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 14819 before you start any project. Cameron 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 14819 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 14819 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 390 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 Cameron 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 | 390 | $80,000 |
| Additional Upgrades & Added Features | $256 | 390 | $100,000 |
| Major Home Updates or Advancements | $308 | 390 | $120,000 |
It's important to understand that when you estimate your replacement cost of your home in the 14819 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 14819
Best Home & Auto Insurance Agencies in 14819
Housing Demographics for 14819
Population Review for 14819 Zip Code
For the city of Cameron, the population within 14819 has increased to over 724 residents in population size. The current population total is 684. We have broken down the population based on race below. In 14819, there are over 345 in male population and 339 females.
| Population | Values |
|---|---|
| Total Population | 684 |
| White Population | 644 |
| Black Population | 4 |
| Hispanic Population | 9 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 5 |
| Male Population | 345 |
| Female Population | 339 |
| Population Estimate | 724 |
Household Data for 14819
The average number of homes in 14819 is around 276, there are an average of 2.48 per household. The average house value according to local real estate values is around $80,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 276 |
| Persons Per Household | 2.48 |
| Average House Value | $80,000 |
| Income Per Household | $51071 |
| Median Age | 41.6 |
| Median Age Male | 43.1 |
| Median Age Female | 40.6 |
| 14819 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 607 |
| City | Cameron |
| City Alias Name | CAMERON |
| County | Steuben |
| County FIPS | 101 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 236 |
| CBSA | 18500 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Corning, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 98990 |
| CBSA Division Population | 0 |
| Congressional District | 23 |
| Congressional LandArea | 7371.65 |
| Delivery Residential | 292 |
| Delivery Business | 3 |
| Delivery Total | 369 |
| Preferred Last Line Key | 000699 |
| Classification Code | |
| Multi-County | |
| CSA Name | Elmira-Corning, NY |
| CBSA_DIV_Name | |
| City State Key | 000699 |
| Land Area | 38.353000 |
| Water Area | 0.057000 |
| City Alias Code | |
| City Mixed Case | Cameron |
| City Alias Mixed Case | Cameron |
| Box Count | 12 |
| SFDU | 292 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 101 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 351135 |
| Unique ZIP Name | |
| SSA State County Code | 33690 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Steuben |
New York Homeowners Insurance News & Information
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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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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 […]