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Home Insurance Rates in 05770

For homeowners shopping online in 05770, our insurance rates are very competitive for homeowners living in Shoreham, VT. Many homeowners based out of the great city of Shoreham have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Vermont licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 05770, simply click the "Get Multiple Quotes Now" button. Your 05770 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Shoreham, VT Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

05770 Home Insurance Rating is: Medium!

If you live in 05770, you can easily save up to 40% off the average home insurance premium of $702 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Shoreham can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 05770 today!

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05770 Home Insurance Average Premiums

Local 05770 homeowners insurance quotes comparison

$452 /yr.

Shows Zip Code: 05770 lowest rates with discounts applied on average.

For the 05770, 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)		$452 /yr.
Average Coverage:$702 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1002 /yr.

What is the average home insurance cost for a home in 05770?

  • • The average homeowners insurance premium paid annually for a home in 05770 is around $702 per year.

What does it cost on average per month for home insurance in 05770?

  • • Homeowners in 05770 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 05770?

  • • Autoowners in 05770 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 Shoreham area, check out other zip codes nearby 05770.
Review average rates in another zip code:
05770 homeowners insurance rates

Home Replacement Cost Coverage in 05770

Average Building Cost Per Square Foot in 05770: $159

Location: Shoreham, Vermont (Addison County)

Average Square Footage in 05770: 1,561 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 05770 before you start any project. Shoreham 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 05770 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 05770 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,561 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 Shoreham 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$1591,561$248,200
Additional Upgrades & Added Features$1991,561$310,250
Major Home Updates or Advancements$2391,561$372,300

It's important to understand that when you estimate your replacement cost of your home in the 05770 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 05770

Best Home & Auto Insurance Agencies in 05770

Housing Demographics for 05770

Population Review for 05770 Zip Code

For the city of Shoreham, the population within 05770 has increased to over 1,128 residents in population size. The current population total is 1,179. We have broken down the population based on race below. In 05770, there are over 598 in male population and 581 females.

PopulationValues
Total Population1,179
White Population1068
Black Population4
Hispanic Population36
Asian Population8
Hawaiian Population0
Indian Population5
Other Population34
Male Population598
Female Population581
Population Estimate1128

Household Data for 05770

The average number of homes in 05770 is around 496, there are an average of 2.38 per household. The average house value according to local real estate values is around $248,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode496
Persons Per Household2.38
Average House Value$248,200
Income Per Household$75000
Median Age47.1
Median Age Male45.3
Median Age Female48.8
05770 DetailsValues
StateVT
State Full NameVermont
City TypeP
City Alias Abbreviation
Area Code802
CityShoreham
City Alias NameSHOREHAM
CountyAddison
County FIPS001
State FIPS50
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses38
Number Of Employees290
Business First Quarter Payroll3510
Business Annual Payroll17436
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District
Congressional LandArea
Delivery Residential474
Delivery Business10
Delivery Total561
Preferred Last Line KeyV26990
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV26990
Land Area41.960000
Water Area2.885000
City Alias Code
City Mixed CaseShoreham
City Alias Mixed CaseShoreham
Box Count60
SFDU470
MFDU0
State ANSI50
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number507056
Unique ZIP Name
SSA State County Code47000
Medicare CBSA Code99947
Medicare CBSA NameRural Areas in VT
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseAddison

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 […]