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05471 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 05471? There are over 391 occupied homes in the 05471 area. With a population size of 816, it's not uncommon for residence of Montgomery Center, VT to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Vermont is around $710 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 05471 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Montgomery Center, VT Home Insurance Rate Quotes

05471 Home Insurance Average Premiums

Local 05471 homeowners insurance quotes comparison

$460 /yr.

Shows Zip Code: 05471 lowest rates with discounts applied on average.

For the 05471, 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)		$460 /yr.
Average Coverage:$710 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1010 /yr.

What is the average home insurance cost for a home in 05471?

  • • The average homeowners insurance premium paid annually for a home in 05471 is around $710 per year.

What does it cost on average per month for home insurance in 05471?

  • • Homeowners in 05471 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 05471?

  • • Autoowners in 05471 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 Montgomery Center area, check out other zip codes nearby 05471.
Review average rates in another zip code:
05471 homeowners insurance rates

Home Replacement Cost Coverage in 05471

Average Building Cost Per Square Foot in 05471: $159

Location: Montgomery Center, Vermont (Franklin County)

Average Square Footage in 05471: 1,183 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 05471 before you start any project. Montgomery Center 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 05471 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 05471 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,183 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 Montgomery Center 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$1591,183$188,100
Additional Upgrades & Added Features$1991,183$235,125
Major Home Updates or Advancements$2391,183$282,150

It's important to understand that when you estimate your replacement cost of your home in the 05471 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 05471

Best Home & Auto Insurance Agencies in 05471

Housing Demographics for 05471

Population Review for 05471 Zip Code

For the city of Montgomery Center, the population within 05471 has increased to over 507 residents in population size. The current population total is 816. We have broken down the population based on race below. In 05471, there are over 425 in male population and 391 females.

PopulationValues
Total Population816
White Population776
Black Population7
Hispanic Population9
Asian Population1
Hawaiian Population0
Indian Population4
Other Population1
Male Population425
Female Population391
Population Estimate507

Household Data for 05471

The average number of homes in 05471 is around 391, there are an average of 2.09 per household. The average house value according to local real estate values is around $188,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode391
Persons Per Household2.09
Average House Value$188,100
Income Per Household$27107
Median Age48.1
Median Age Male50.3
Median Age Female45.3
05471 DetailsValues
StateVT
State Full NameVermont
City TypeP
City Alias AbbreviationMONTGOMRY CTR
Area Code802
CityMontgomery Center
City Alias NameMONTGOMERY CENTER
CountyFranklin
County FIPS011
State FIPS50
Time Zone5
Day Light SavingY
MSA
PMSA
CSA162
CBSA15540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBurlington-South Burlington, VT
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses25
Number Of Employees101
Business First Quarter Payroll589
Business Annual Payroll2810
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population211261
CBSA Division Population0
Congressional District
Congressional LandArea
Delivery Residential243
Delivery Business8
Delivery Total495
Preferred Last Line KeyV26679
Classification Code
Multi-County
CSA NameBurlington-South Burlington-Barre, VT
CBSA_DIV_Name
City State KeyV26679
Land Area48.994000
Water Area0.040000
City Alias Code
City Mixed CaseMontgomery Center
City Alias Mixed CaseMontgomery Center
Box Count223
SFDU243
MFDU0
State ANSI50
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number504788
Unique ZIP Name
SSA State County Code47050
Medicare CBSA Code15540
Medicare CBSA NameBurlington-South Burlington, VT
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseFranklin

Vermont Homeowners Insurance News & Information

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    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 […]