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14883 Home Insurance Rates & Premiums

Did you know there are over 3,998 people living within the 14883 zip code area? There are over 1,640 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 14883.

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 $1,032 a year for a standard homeowners insurance policy in Spencer. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Spencer, NY Homeowners Insurance Quotes Online

14883 Home Insurance Average Premiums

Local 14883 homeowners insurance quotes comparison

$782 /yr.

Shows Zip Code: 14883 lowest rates with discounts applied on average.

For the 14883, 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)		$782 /yr.
Average Coverage:$1032 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1332 /yr.

What is the average home insurance cost for a home in 14883?

  • • The average homeowners insurance premium paid annually for a home in 14883 is around $1032 per year.

What does it cost on average per month for home insurance in 14883?

  • • Homeowners in 14883 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 14883?

  • • Autoowners in 14883 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 Spencer area, check out other zip codes nearby 14883.
Review average rates in another zip code:
14883 homeowners insurance rates

Home Replacement Cost Coverage in 14883

Average Building Cost Per Square Foot in 14883: $205

Location: Spencer, New York (Tioga County)

Average Square Footage in 14883: 764 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14883 before you start any project. Spencer 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 14883 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 14883 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 764 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 Spencer 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$205764$156,700
Additional Upgrades & Added Features$256764$195,875
Major Home Updates or Advancements$308764$235,050

It's important to understand that when you estimate your replacement cost of your home in the 14883 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 14883

Best Home & Auto Insurance Agencies in 14883

Housing Demographics for 14883

Population Review for 14883 Zip Code

For the city of Spencer, the population within 14883 has increased to over 3,975 residents in population size. The current population total is 3,998. We have broken down the population based on race below. In 14883, there are over 1991 in male population and 2007 females.

PopulationValues
Total Population3,998
White Population3567
Black Population54
Hispanic Population109
Asian Population42
Hawaiian Population5
Indian Population13
Other Population55
Male Population1991
Female Population2007
Population Estimate3975

Household Data for 14883

The average number of homes in 14883 is around 1,640, there are an average of 2.43 per household. The average house value according to local real estate values is around $156,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,640
Persons Per Household2.43
Average House Value$156,700
Income Per Household$62183
Median Age42.3
Median Age Male40.7
Median Age Female43.7
14883 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code607
CitySpencer
City Alias NameSPENCER
CountyTioga
County FIPS107
State FIPS36
Time Zone5
Day Light SavingY
MSA0960
PMSA
CSA
CBSA13780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBinghamton, NY
MSA_NameBinghamton, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses52
Number Of Employees348
Business First Quarter Payroll3233
Business Annual Payroll16681
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population251725
CBSA Division Population0
Congressional District19
Congressional LandArea7937.02
Delivery Residential1636
Delivery Business40
Delivery Total1966
Preferred Last Line KeyV16249
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyV16249
Land Area72.565000
Water Area0.494000
City Alias Code
City Mixed CaseSpencer
City Alias Mixed CaseSpencer
Box Count148
SFDU1612
MFDU12
State ANSI36
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number358065
Unique ZIP Name
SSA State County Code33720
Medicare CBSA Code13780
Medicare CBSA NameBinghamton, NY
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseTioga

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