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05866 Home Insurance Rates & Premiums

Did you know there are over 725 people living within the 05866 zip code area? There are over 309 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 05866.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Vermont are on the rise. The estimated average premium is around $751 a year for a standard homeowners insurance policy in Sheffield. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Sheffield, VT Homeowners Insurance Quotes Online

05866 Home Insurance Average Premiums

Local 05866 homeowners insurance quotes comparison

$501 /yr.

Shows Zip Code: 05866 lowest rates with discounts applied on average.

For the 05866, 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)		$501 /yr.
Average Coverage:$751 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1051 /yr.

What is the average home insurance cost for a home in 05866?

  • • The average homeowners insurance premium paid annually for a home in 05866 is around $751 per year.

What does it cost on average per month for home insurance in 05866?

  • • Homeowners in 05866 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 05866?

  • • Autoowners in 05866 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 Sheffield area, check out other zip codes nearby 05866.
Review average rates in another zip code:
05866 homeowners insurance rates

Home Replacement Cost Coverage in 05866

Average Building Cost Per Square Foot in 05866: $159

Location: Sheffield, Vermont (Caledonia County)

Average Square Footage in 05866: 835 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 05866 before you start any project. Sheffield 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 05866 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 05866 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 835 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 Sheffield 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$159835$132,700
Additional Upgrades & Added Features$199835$165,875
Major Home Updates or Advancements$239835$199,050

It's important to understand that when you estimate your replacement cost of your home in the 05866 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 05866

Best Home & Auto Insurance Agencies in 05866

Housing Demographics for 05866

Population Review for 05866 Zip Code

For the city of Sheffield, the population within 05866 has increased to over 437 residents in population size. The current population total is 725. We have broken down the population based on race below. In 05866, there are over 393 in male population and 332 females.

PopulationValues
Total Population725
White Population692
Black Population1
Hispanic Population4
Asian Population0
Hawaiian Population0
Indian Population0
Other Population1
Male Population393
Female Population332
Population Estimate437

Household Data for 05866

The average number of homes in 05866 is around 309, there are an average of 2.35 per household. The average house value according to local real estate values is around $132,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode309
Persons Per Household2.35
Average House Value$132,700
Income Per Household$71563
Median Age47.3
Median Age Male47.4
Median Age Female47.3
05866 DetailsValues
StateVT
State Full NameVermont
City TypeP
City Alias Abbreviation
Area Code802
CitySheffield
City Alias NameSHEFFIELD
CountyCaledonia
County FIPS005
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 Businesses4
Number Of Employees14
Business First Quarter Payroll93
Business Annual Payroll470
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 Residential186
Delivery Business3
Delivery Total306
Preferred Last Line KeyV26979
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV26979
Land Area34.706000
Water Area0.257000
City Alias Code
City Mixed CaseSheffield
City Alias Mixed CaseSheffield
Box Count112
SFDU186
MFDU0
State ANSI50
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number506888
Unique ZIP Name
SSA State County Code47020
Medicare CBSA Code99947
Medicare CBSA NameRural Areas in VT
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseCaledonia

Vermont Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]