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Searching for Homeowners Insurance in 05042

If you are a homeowners that lives in 05042 you may be searching for more affordable homeowners insurance in East Ryegate. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of East Ryegate, VT. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Vermont licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 05042 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional East Ryegate, VT home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 05042 Home Insurance Costs: medium!

In East Ryegate, homeowners are paying roughly $750 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 05042 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in East Ryegate are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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05042 Home Insurance Average Premiums

Local 05042 homeowners insurance quotes comparison

$500 /yr.

Shows Zip Code: 05042 lowest rates with discounts applied on average.

For the 05042, 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)
$500 /yr.
Average Coverage:$750 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1050 /yr.

What is the average home insurance cost for a home in 05042?

  • • The average homeowners insurance premium paid annually for a home in 05042 is around $750 per year.

What does it cost on average per month for home insurance in 05042?

  • • Homeowners in 05042 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 05042?

  • • Autoowners in 05042 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 East Ryegate area, check out other zip codes nearby 05042.
Review average rates in another zip code:
05042 homeowners insurance rates

Home Replacement Cost Coverage in 05042

Average Building Cost Per Square Foot in 05042: $159

Location: East Ryegate, Vermont (Caledonia County)

Average Square Footage in 05042: 1,250 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 05042 before you start any project. East Ryegate homeowners pay on average around $159 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 05042 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 05042 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,250 sq. ft. and the average cost to rebuild the home in this area is around $159 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 East Ryegate 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$1591,250$198,800
Additional Upgrades & Added Features$1991,250$248,500
Major Home Updates or Advancements$2391,250$298,200

It's important to understand that when you estimate your replacement cost of your home in the 05042 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 05042

Best Home & Auto Insurance Agencies in 05042

Housing Demographics for 05042

Population Review for 05042 Zip Code

For the city of East Ryegate, the population within 05042 has increased to over 481 residents in population size. The current population total is 599. We have broken down the population based on race below. In 05042, there are over 305 in male population and 294 females.

PopulationValues
Total Population599
White Population558
Black Population2
Hispanic Population8
Asian Population2
Hawaiian Population0
Indian Population1
Other Population0
Male Population305
Female Population294
Population Estimate481

Household Data for 05042

The average number of homes in 05042 is around 218, there are an average of 2.75 per household. The average house value according to local real estate values is around $198,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode218
Persons Per Household2.75
Average House Value$198,800
Income Per Household$51406
Median Age48.5
Median Age Male46.8
Median Age Female50.1
05042 DetailsValues
StateVT
State Full NameVermont
City TypeP
City Alias Abbreviation
Area Code802
CityEast Ryegate
City Alias NameEAST RYEGATE
CountyCaledonia
County FIPS005
State FIPS50
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees20
Business First Quarter Payroll165
Business Annual Payroll822
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 District
Congressional LandArea
Delivery Residential175
Delivery Business5
Delivery Total280
Preferred Last Line KeyV26324
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV26324
Land Area26.570000
Water Area0.131000
City Alias Code
City Mixed CaseEast Ryegate
City Alias Mixed CaseEast Ryegate
Box Count57
SFDU175
MFDU0
State ANSI50
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number502548
Unique ZIP Name
SSA State County Code47020
Medicare CBSA Code99947
Medicare CBSA NameRural Areas in VT
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseCaledonia

Vermont Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]