Get multiple home insurance quotes in 11204. Our licensed 11204, NY agents are ready to serve you.

Compare 11204 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 11204 area? The average homeowners premium in New York for a standard homeowners policy is around $1,060/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 11204 zip code, the population size is around 85,885 with 26,531 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 11204.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Brooklyn, NY Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NY RateDiscountsSavingsShop Rates
$1,356up to 40% off$542

11204 Home Insurance Average Premiums

Local 11204 homeowners insurance quotes comparison

$810 /yr.

Shows Zip Code: 11204 lowest rates with discounts applied on average.

For the 11204, 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)
$810 /yr.
Average Coverage:$1060 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1360 /yr.

What is the average home insurance cost for a home in 11204?

  • • The average homeowners insurance premium paid annually for a home in 11204 is around $1060 per year.

What does it cost on average per month for home insurance in 11204?

  • • Homeowners in 11204 pay a monthly average cost per month around $88.00.

What kind of discount could I get if I combine my home and auto insurance together in 11204?

  • • Autoowners in 11204 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 Brooklyn area, check out other zip codes nearby 11204.
Review average rates in another zip code:
11219 homeowners insurance rates
11203 homeowners insurance rates
11225 homeowners insurance rates
11205 homeowners insurance rates
11218 homeowners insurance rates
11217 homeowners insurance rates
11212 homeowners insurance rates
11207 homeowners insurance rates
11235 homeowners insurance rates
11236 homeowners insurance rates

Home Replacement Cost Coverage in 11204

Average Building Cost Per Square Foot in 11204: $205

Location: Brooklyn, New York (Kings County)

Average Square Footage in 11204: 4,713 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 11204 before you start any project. Brooklyn 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 11204 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 11204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,713 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 Brooklyn 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$2054,713$966,100
Additional Upgrades & Added Features$2564,713$1,207,625
Major Home Updates or Advancements$3084,713$1,449,150

It's important to understand that when you estimate your replacement cost of your home in the 11204 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 11204

Best Home & Auto Insurance Agencies in 11204

Ariston Brokerage Corporation

Address: 7219 18th Ave Brooklyn, NY 11204

Choice Insurance Agency

Address: 5023 16th Ave Brooklyn, NY 11204

Sharon Crescitelli Agency Inc - State Farm Insurance Agent

Address: 7211 18th Ave Brooklyn, NY 11204

Scadudo-Gialanella, Anna - Allstate Insurance Company

Address: 6902 18th Ave Brooklyn, NY 11204

Allstate Insurance Company - Grigory Baranovsky

Address: 20 Avenue O Brooklyn, NY 11204

Housing Demographics for 11204

Population Review for 11204 Zip Code

For the city of Brooklyn, the population within 11204 has increased to over 73,979 residents in population size. The current population total is 85,885. We have broken down the population based on race below. In 11204, there are over 42577 in male population and 43308 females.

Total Population85,885
White Population44081
Black Population1010
Hispanic Population10937
Asian Population27593
Hawaiian Population31
Indian Population711
Other Population8061
Male Population42577
Female Population43308
Population Estimate73979

Household Data for 11204

The average number of homes in 11204 is around 26,531, there are an average of 3.22 per household. The average house value according to local real estate values is around $966,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode26,531
Persons Per Household3.22
Average House Value$966,100
Income Per Household$58850
Median Age34.0
Median Age Male32.5
Median Age Female35.5
11204 DetailsValues
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code718
City Alias NameBROOKLYN
County FIPS047
State FIPS36
Time Zone5
Day Light SavingY
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameNew York, NY PMSA
DivisionMiddle Atlantic
Economic & Growth ReviewValues
Number Of Businesses2342
Number Of Employees19844
Business First Quarter Payroll153698
Business Annual Payroll687526
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population18897109
CBSA Division Population11576251
Congressional District09|11
Congressional LandArea15.54|65.83
Delivery Residential22975
Delivery Business1750
Delivery Total25432
Preferred Last Line KeyV12317
Classification Code
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNew York-Jersey City-White Plains, NY-NJ
City State KeyV12317
Land Area1.595000
Water Area0.000000
City Alias Code
City Mixed CaseBrooklyn
City Alias Mixed CaseBrooklyn
Box Count205
State ANSI36
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number350995
Unique ZIP Name
SSA State County Code33331
Medicare CBSA Code35614
Medicare CBSA NameNew York-Jersey City-White Plains, NY-NJ
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseKings

New York Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]