Compare quotes for your home in 05360! Compare the best 12 carriers in minutes.
05360 Homeowners Insurance Quotes & Rates
West Wardsboro residents living within the 129 homes available in the zip code of 05360 are shopping online to compare cheaper and more affordable West Wardsboro, VT home insurance rates. In the great city of West Wardsboro, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Vermont is around $686 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 05360 zip code.
With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.
Let us help you shop and compare your 05360 home insurance rates today! Please give us a call now at 1-855-976-2656. For West Wardsboro, VT Homeowners Insurance Quotes, Click to easily get started!
05360 Home Insurance Average Premiums
$436 /yr.
Shows Zip Code: 05360 lowest rates with discounts applied on average.
For the 05360, 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) | $436 /yr. |
| Average Coverage: | $686 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $986 /yr. |
What is the average home insurance cost for a home in 05360?
- • The average homeowners insurance premium paid annually for a home in 05360 is around $686 per year.
What does it cost on average per month for home insurance in 05360?
- • Homeowners in 05360 pay a monthly average cost per month around $57.00.
What kind of discount could I get if I combine my home and auto insurance together in 05360?
- • Autoowners in 05360 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 West Wardsboro area, check out other zip codes nearby 05360.
Review average rates in another zip code:
05360 homeowners insurance rates
Home Replacement Cost Coverage in 05360
Average Building Cost Per Square Foot in 05360: $159
Location: West Wardsboro, Vermont (Windham County)Average Square Footage in 05360: 1,830 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 05360 before you start any project. West Wardsboro 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 05360 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 05360 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,830 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 West Wardsboro 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 | 1,830 | $291,000 |
| Additional Upgrades & Added Features | $199 | 1,830 | $363,750 |
| Major Home Updates or Advancements | $239 | 1,830 | $436,500 |
It's important to understand that when you estimate your replacement cost of your home in the 05360 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 05360
Best Home & Auto Insurance Agencies in 05360
Housing Demographics for 05360
Population Review for 05360 Zip Code
For the city of West Wardsboro, the population within 05360 has increased to over 174 residents in population size. The current population total is 337. We have broken down the population based on race below. In 05360, there are over 176 in male population and 161 females.
| Population | Values |
|---|---|
| Total Population | 337 |
| White Population | 317 |
| Black Population | 3 |
| Hispanic Population | 5 |
| Asian Population | 0 |
| Hawaiian Population | 1 |
| Indian Population | 2 |
| Other Population | 2 |
| Male Population | 176 |
| Female Population | 161 |
| Population Estimate | 174 |
Household Data for 05360
The average number of homes in 05360 is around 129, there are an average of 2.61 per household. The average house value according to local real estate values is around $291,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 129 |
| Persons Per Household | 2.61 |
| Average House Value | $291,000 |
| Income Per Household | $69837 |
| Median Age | 46.1 |
| Median Age Male | 47.0 |
| Median Age Female | 44.9 |
| 05360 Details | Values |
|---|---|
| State | VT |
| State Full Name | Vermont |
| City Type | P |
| City Alias Abbreviation | W WARDSBORO |
| Area Code | 802 |
| City | West Wardsboro |
| City Alias Name | WEST WARDSBORO |
| 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 | 13 |
| Number Of Employees | 30 |
| Business First Quarter Payroll | 194 |
| Business Annual Payroll | 1172 |
| 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 | 67 |
| Delivery Business | 1 |
| Delivery Total | 324 |
| Preferred Last Line Key | V27251 |
| Classification Code | |
| Multi-County | |
| CSA Name | Keene-Brattleboro, NH-VT |
| CBSA_DIV_Name | |
| City State Key | V27251 |
| Land Area | 70.719000 |
| Water Area | 3.015000 |
| City Alias Code | |
| City Mixed Case | West Wardsboro |
| City Alias Mixed Case | West Wardsboro |
| Box Count | 248 |
| SFDU | 67 |
| 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 | 509268 |
| 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
-
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 […]