Home Insurance Quotes in 14880!

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14880 Home Insurance Quotes & Rates

Currently, the 648 homes within the 14880 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for New York is around $1,008 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Scio, NY, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 14880.

New York is now ranking #16 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Scio home insurance quotes all in one place then GetHomeInsuranceQuotes.com of New York has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 14880 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Scio, New York home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Scio, NY Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

14880 Home Insurance Average Premiums

$758 /yr.

For the 14880, 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.

What is the average home insurance cost for a home in 14880?

What does it cost on average per month for home insurance in 14880?

What kind of discount could I get if I combine my home and auto insurance together in 14880?

For shopping home insurance rates within the Scio area, check out other zip codes nearby 14880. Review average rates in another zip code: 14880 homeowners insurance rates

Home Replacement Cost Coverage in 14880

Average Building Cost Per Square Foot in 14880: $205

Average Square Footage in 14880: 420 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14880 before you start any project. Scio homeowners pay on average around $205 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 14880 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 14880 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 420 sq. ft. and the average cost to rebuild the home in this area is around $205 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 Scio 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.

It's important to understand that when you estimate your replacement cost of your home in the 14880 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 14880

Best Home & Auto Insurance Agencies in 14880

Housing Demographics for 14880

For the city of Scio, the population within 14880 has increased to over 1,483 residents in population size. The current population total is 1,545. We have broken down the population based on race below. In 14880, there are over 804 in male population and 741 females.

The average number of homes in 14880 is around 648, there are an average of 2.37 per household. The average house value according to local real estate values is around $86,100. Please review the following demographics below for average income and media age.

New York Homeowners Insurance News & Information

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

14880 Household Information

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