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Searching for Homeowners Insurance in 05445
If you are a homeowners that lives in 05445 you may be searching for more affordable homeowners insurance in Charlotte. 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 Charlotte, 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 05445 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 Charlotte, VT home insurance quotes in your local city and review the most competitive coverages and premiums.
Check Out 05445 Home Insurance Costs: medium!
In Charlotte, homeowners are paying roughly $758 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 05445 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 Charlotte are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.
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05445 Home Insurance Average Premiums
$508 /yr.
Shows Zip Code: 05445 lowest rates with discounts applied on average.
For the 05445, 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) | $508 /yr. |
| Average Coverage: | $758 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1058 /yr. |
What is the average home insurance cost for a home in 05445?
- • The average homeowners insurance premium paid annually for a home in 05445 is around $758 per year.
What does it cost on average per month for home insurance in 05445?
- • Homeowners in 05445 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 05445?
- • Autoowners in 05445 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 Charlotte area, check out other zip codes nearby 05445.
Review average rates in another zip code:
05445 homeowners insurance rates
Home Replacement Cost Coverage in 05445
Average Building Cost Per Square Foot in 05445: $159
Location: Charlotte, Vermont (Chittenden County)Average Square Footage in 05445: 3,367 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 05445 before you start any project. Charlotte 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 05445 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 05445 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,367 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 Charlotte 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 | 3,367 | $535,300 |
| Additional Upgrades & Added Features | $199 | 3,367 | $669,125 |
| Major Home Updates or Advancements | $239 | 3,367 | $802,950 |
It's important to understand that when you estimate your replacement cost of your home in the 05445 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 05445
Best Home & Auto Insurance Agencies in 05445
Housing Demographics for 05445
Population Review for 05445 Zip Code
For the city of Charlotte, the population within 05445 has increased to over 4,155 residents in population size. The current population total is 3,912. We have broken down the population based on race below. In 05445, there are over 1967 in male population and 1945 females.
| Population | Values |
|---|---|
| Total Population | 3,912 |
| White Population | 3571 |
| Black Population | 25 |
| Hispanic Population | 94 |
| Asian Population | 26 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 42 |
| Male Population | 1967 |
| Female Population | 1945 |
| Population Estimate | 4155 |
Household Data for 05445
The average number of homes in 05445 is around 1,499, there are an average of 2.61 per household. The average house value according to local real estate values is around $535,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,499 |
| Persons Per Household | 2.61 |
| Average House Value | $535,300 |
| Income Per Household | $111535 |
| Median Age | 46.4 |
| Median Age Male | 45.4 |
| Median Age Female | 47.1 |
| 05445 Details | Values |
|---|---|
| State | VT |
| State Full Name | Vermont |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 802 |
| City | Charlotte |
| City Alias Name | CHARLOTTE |
| County | Chittenden |
| County FIPS | 007 |
| State FIPS | 50 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 1305 |
| PMSA | |
| CSA | 162 |
| CBSA | 15540 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Burlington-South Burlington, VT |
| MSA_Name | Burlington, VT MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 114 |
| Number Of Employees | 485 |
| Business First Quarter Payroll | 6313 |
| Business Annual Payroll | 33901 |
| 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 | 211261 |
| CBSA Division Population | 0 |
| Congressional District | |
| Congressional LandArea | |
| Delivery Residential | 1592 |
| Delivery Business | 24 |
| Delivery Total | 1835 |
| Preferred Last Line Key | V26165 |
| Classification Code | |
| Multi-County | |
| CSA Name | Burlington-South Burlington-Barre, VT |
| CBSA_DIV_Name | |
| City State Key | V26165 |
| Land Area | 41.253000 |
| Water Area | 9.110000 |
| City Alias Code | |
| City Mixed Case | Charlotte |
| City Alias Mixed Case | Charlotte |
| Box Count | 156 |
| SFDU | 1548 |
| MFDU | 0 |
| State ANSI | 50 |
| County ANSI | 007 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 501316 |
| Unique ZIP Name | |
| SSA State County Code | 47030 |
| Medicare CBSA Code | 15540 |
| Medicare CBSA Name | Burlington-South Burlington, VT |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Chittenden |
Vermont Homeowners Insurance News & Information
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]