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14841 Home Insurance Rates & Premiums

Did you know there are over 809 people living within the 14841 zip code area? There are over 391 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 14841.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $1,013 a year for a standard homeowners insurance policy in Hector. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Hector, NY Homeowners Insurance Quotes Online

14841 Home Insurance Average Premiums

Local 14841 homeowners insurance quotes comparison

$763 /yr.

Shows Zip Code: 14841 lowest rates with discounts applied on average.

For the 14841, 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)
$763 /yr.
Average Coverage:$1013 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1313 /yr.

What is the average home insurance cost for a home in 14841?

  • • The average homeowners insurance premium paid annually for a home in 14841 is around $1013 per year.

What does it cost on average per month for home insurance in 14841?

  • • Homeowners in 14841 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 14841?

  • • Autoowners in 14841 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 Hector area, check out other zip codes nearby 14841.
Review average rates in another zip code:
14841 homeowners insurance rates

Home Replacement Cost Coverage in 14841

Average Building Cost Per Square Foot in 14841: $205

Location: Hector, New York (Schuyler County)

Average Square Footage in 14841: 1,126 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14841 before you start any project. Hector 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 14841 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 14841 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,126 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 Hector 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$2051,126$230,800
Additional Upgrades & Added Features$2561,126$288,500
Major Home Updates or Advancements$3081,126$346,200

It's important to understand that when you estimate your replacement cost of your home in the 14841 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 14841

Best Home & Auto Insurance Agencies in 14841

Housing Demographics for 14841

Population Review for 14841 Zip Code

For the city of Hector, the population within 14841 has increased to over 842 residents in population size. The current population total is 809. We have broken down the population based on race below. In 14841, there are over 418 in male population and 391 females.

PopulationValues
Total Population809
White Population757
Black Population0
Hispanic Population16
Asian Population1
Hawaiian Population0
Indian Population4
Other Population4
Male Population418
Female Population391
Population Estimate842

Household Data for 14841

The average number of homes in 14841 is around 391, there are an average of 2.07 per household. The average house value according to local real estate values is around $230,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode391
Persons Per Household2.07
Average House Value$230,800
Income Per Household$62083
Median Age51.7
Median Age Male50.3
Median Age Female55.1
14841 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code607
CityHector
City Alias NameHECTOR
CountySchuyler
County FIPS097
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses26
Number Of Employees175
Business First Quarter Payroll1732
Business Annual Payroll10129
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District23|24
Congressional LandArea7371.65|2388.56
Delivery Residential407
Delivery Business24
Delivery Total571
Preferred Last Line KeyV13814
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV13814
Land Area20.172000
Water Area0.000000
City Alias Code
City Mixed CaseHector
City Alias Mixed CaseHector
Box Count114
SFDU407
MFDU0
State ANSI36
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number353705
Unique ZIP Name
SSA State County Code33670
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseSchuyler

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 […]