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05154 Home Insurance Quotes & Rates
Currently, the 207 homes within the 05154 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Vermont is around $745 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Saxtons River, VT, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 05154.
Vermont is now ranking #39 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Saxtons River home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Vermont has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 05154 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Saxtons River, Vermont home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Saxtons River, VT Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
05154 Home Insurance Average Premiums
$495 /yr.
Shows Zip Code: 05154 lowest rates with discounts applied on average.
For the 05154, 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) | $495 /yr. |
| Average Coverage: | $745 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1045 /yr. |
What is the average home insurance cost for a home in 05154?
- • The average homeowners insurance premium paid annually for a home in 05154 is around $745 per year.
What does it cost on average per month for home insurance in 05154?
- • Homeowners in 05154 pay a monthly average cost per month around $62.00.
What kind of discount could I get if I combine my home and auto insurance together in 05154?
- • Autoowners in 05154 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 Saxtons River area, check out other zip codes nearby 05154.
Review average rates in another zip code:
05154 homeowners insurance rates
Home Replacement Cost Coverage in 05154
Average Building Cost Per Square Foot in 05154: $159
Location: Saxtons River, Vermont (Windham County)Average Square Footage in 05154: 1,242 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 05154 before you start any project. Saxtons River 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 05154 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 05154 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,242 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 Saxtons River 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 | $159 | 1,242 | $197,500 |
| Additional Upgrades & Added Features | $199 | 1,242 | $246,875 |
| Major Home Updates or Advancements | $239 | 1,242 | $296,250 |
It's important to understand that when you estimate your replacement cost of your home in the 05154 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 05154
Best Home & Auto Insurance Agencies in 05154
Housing Demographics for 05154
Population Review for 05154 Zip Code
For the city of Saxtons River, the population within 05154 has increased to over 86 residents in population size. The current population total is 481. We have broken down the population based on race below. In 05154, there are over 209 in male population and 272 females.
| Population | Values |
|---|---|
| Total Population | 481 |
| White Population | 432 |
| Black Population | 4 |
| Hispanic Population | 21 |
| Asian Population | 6 |
| Hawaiian Population | 1 |
| Indian Population | 1 |
| Other Population | 3 |
| Male Population | 209 |
| Female Population | 272 |
| Population Estimate | 86 |
Household Data for 05154
The average number of homes in 05154 is around 207, there are an average of 2.21 per household. The average house value according to local real estate values is around $197,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 207 |
| Persons Per Household | 2.21 |
| Average House Value | $197,500 |
| Income Per Household | $0 |
| Median Age | 45.8 |
| Median Age Male | 38.4 |
| Median Age Female | 51.7 |
| 05154 Details | Values |
|---|---|
| State | VT |
| State Full Name | Vermont |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 802 |
| City | Saxtons River |
| City Alias Name | SAXTONS RIVER |
| County | Windham |
| County FIPS | 025 |
| State FIPS | 50 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 313 |
| CBSA | 14710 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Brattleboro, VT |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 19 |
| Number Of Employees | 140 |
| Business First Quarter Payroll | 1285 |
| Business Annual Payroll | 5744 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | |
| Congressional LandArea | |
| Delivery Residential | 39 |
| Delivery Business | 0 |
| Delivery Total | 455 |
| Preferred Last Line Key | V26967 |
| Classification Code | |
| Multi-County | |
| CSA Name | Keene-Brattleboro, NH-VT |
| CBSA_DIV_Name | |
| City State Key | V26967 |
| Land Area | 2.579000 |
| Water Area | 0.029000 |
| City Alias Code | |
| City Mixed Case | Saxtons River |
| City Alias Mixed Case | Saxtons River |
| Box Count | 387 |
| SFDU | 39 |
| MFDU | 0 |
| State ANSI | 50 |
| County ANSI | 025 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 506832 |
| Unique ZIP Name | |
| SSA State County Code | 47120 |
| Medicare CBSA Code | 99947 |
| Medicare CBSA Name | Rural Areas in VT |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Windham |
Vermont Homeowners Insurance News & Information
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
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 […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]