10940 Home Insurance Rates & Premiums

Did you know there are over 52,803 people living within the 10940 zip code area? There are over 19,406 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 10940.

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 New York are on the rise. The estimated average premium is around $995 a year for a standard homeowners insurance policy in Middletown. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Middletown, NY Homeowners Insurance Quotes Online

Average Building Cost Per Square Foot in 10940: $205

Average Square Footage in 10940: 1,105 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 10940 before you start any project. Middletown 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 10940 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 10940 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,105 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 Middletown 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 10940 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.

Siegel's Insurance Income Tax Center

Gleeson- Glenn W - State Farm Insurance Agent

Cohen David J CLU

Dempsey Insurance

Gleeson- Dean P - State Farm Insurance Agent

Household Data for 10940

The average number of homes in 10940 is around 19,406, there are an average of 2.69 per household. The average house value according to local real estate values is around $226,600. Please review the following demographics below for average income and media age.

• How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

  According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

• 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

  Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

• Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

  According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]