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Home Insurance in 05478
One of the best ways to save money on your homeowners insurance policy in the 05478 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Saint Albans, VT. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our Vermont licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 05478 zip code and you are ready to start saving on home insurance.
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Find Saint Albans, VT Homeowners Insurance Quotes to review the best coverage options in your area.
Information on the Average Homeowners Premiums in 05478
According to industry data, homeowners located in Saint Albans pay roughly $691 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 05478 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of Vermont home insurance premiums found that premiums in 05478 are 39 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
Start Shopping 05478 Home Insurance Quotes Right Now!
The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 05478.
Let us find you a great policy at an affordable price, get 05478 homeowners insurance quotes now.
05478 Home Insurance Average Premiums
$441 /yr.
Shows Zip Code: 05478 lowest rates with discounts applied on average.
For the 05478, 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) | $441 /yr. |
| Average Coverage: | $691 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $991 /yr. |
What is the average home insurance cost for a home in 05478?
- • The average homeowners insurance premium paid annually for a home in 05478 is around $691 per year.
What does it cost on average per month for home insurance in 05478?
- • Homeowners in 05478 pay a monthly average cost per month around $58.00.
What kind of discount could I get if I combine my home and auto insurance together in 05478?
- • Autoowners in 05478 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 Saint Albans area, check out other zip codes nearby 05478.
Review average rates in another zip code:
05478 homeowners insurance rates
Home Replacement Cost Coverage in 05478
Average Building Cost Per Square Foot in 05478: $159
Location: Saint Albans, Vermont (Franklin County)Average Square Footage in 05478: 1,535 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 05478 before you start any project. Saint Albans 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 05478 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 05478 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,535 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 Saint Albans 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 | 1,535 | $244,000 |
| Additional Upgrades & Added Features | $199 | 1,535 | $305,000 |
| Major Home Updates or Advancements | $239 | 1,535 | $366,000 |
It's important to understand that when you estimate your replacement cost of your home in the 05478 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 05478
An Deringer Insurance
Address: 64 N Main St Saint Albans, VT 05478Phone: (802)524-8110
Website:
Allstate Insurance - David Raleigh
Address: 3 Champlain Cmns Saint Albans, VT 05478Phone: (802)527-1241
Website:
Mullen Insurance Agency Inc.
Address: 140 S Main St Saint Albans, VT 05478Phone: (802)527-0121
Website:
Best Home & Auto Insurance Agencies in 05478
Allstate Insurance - David Raleigh
Address: 3 Champlain Cmns St Albans, VT 05478Phone:
Website:
Info:
Collins, Julie - State Farm Insurance Agent
Address: 84 Fairfield St St Albans, VT 05478Phone:
Website: http://www.national.citysearch.com/profile/external/46270575/st_albans_vt/collins_julie_state_farm_insurance_agent.html
Info:
Mullen Insurance Agency Inc.
Address: 140 S Main St St Albans, VT 05478Phone:
Website:
Info:
Smith- Thomas E - State Farm Insurance Agent
Address: 27 Fisher Pond Rd, Ste 6 St Albans, VT 05478Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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An Deringer Insurance
Address: 64 N Main St St Albans, VT 05478Phone:
Website:
Info:
Housing Demographics for 05478
Population Review for 05478 Zip Code
For the city of Saint Albans, the population within 05478 has increased to over 16,009 residents in population size. The current population total is 15,704. We have broken down the population based on race below. In 05478, there are over 7725 in male population and 7979 females.
| Population | Values |
|---|---|
| Total Population | 15,704 |
| White Population | 14122 |
| Black Population | 176 |
| Hispanic Population | 325 |
| Asian Population | 171 |
| Hawaiian Population | 5 |
| Indian Population | 126 |
| Other Population | 99 |
| Male Population | 7725 |
| Female Population | 7979 |
| Population Estimate | 16009 |
Household Data for 05478
The average number of homes in 05478 is around 6,592, there are an average of 2.33 per household. The average house value according to local real estate values is around $244,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,592 |
| Persons Per Household | 2.33 |
| Average House Value | $244,000 |
| Income Per Household | $63525 |
| Median Age | 40.9 |
| Median Age Male | 39.1 |
| Median Age Female | 42.8 |
| 05478 Details | Values |
|---|---|
| State | VT |
| State Full Name | Vermont |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 802 |
| City | Saint Albans |
| City Alias Name | SAINT ALBANS |
| County | Franklin |
| County FIPS | 011 |
| 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 | 451 |
| Number Of Employees | 7924 |
| Business First Quarter Payroll | 81286 |
| Business Annual Payroll | 349466 |
| 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 | 6871 |
| Delivery Business | 556 |
| Delivery Total | 8159 |
| Preferred Last Line Key | V26953 |
| Classification Code | |
| Multi-County | |
| CSA Name | Burlington-South Burlington-Barre, VT |
| CBSA_DIV_Name | |
| City State Key | V26953 |
| Land Area | 59.264000 |
| Water Area | 19.073000 |
| City Alias Code | |
| City Mixed Case | Saint Albans |
| City Alias Mixed Case | Saint Albans |
| Box Count | 392 |
| SFDU | 5311 |
| MFDU | 618 |
| State ANSI | 50 |
| County ANSI | 011 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 506664 |
| Unique ZIP Name | |
| SSA State County Code | 47050 |
| Medicare CBSA Code | 15540 |
| Medicare CBSA Name | Burlington-South Burlington, VT |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Franklin |
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