Get multiple home insurance quotes in 11971. Our licensed 11971, NY agents are ready to serve you.

Compare 11971 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Southold just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,650 neighbors looking to save on their home insurance policy in the local 11971 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 11971. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best New York rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Southold, NY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Southold, NY

11971 Home Insurance Average Premiums

Local 11971 homeowners insurance quotes comparison

$673 /yr.

Shows Zip Code: 11971 lowest rates with discounts applied on average.

For the 11971, 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)
$673 /yr.
Average Coverage:$923 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1223 /yr.

What is the average home insurance cost for a home in 11971?

  • • The average homeowners insurance premium paid annually for a home in 11971 is around $923 per year.

What does it cost on average per month for home insurance in 11971?

  • • Homeowners in 11971 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 11971?

  • • Autoowners in 11971 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 Southold area, check out other zip codes nearby 11971.
Review average rates in another zip code:
11971 homeowners insurance rates

Home Replacement Cost Coverage in 11971

Average Building Cost Per Square Foot in 11971: $205

Location: Southold, New York (Suffolk County)

Average Square Footage in 11971: 3,078 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 11971 before you start any project. Southold 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 11971 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 11971 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,078 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 Southold 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$2053,078$631,000
Additional Upgrades & Added Features$2563,078$788,750
Major Home Updates or Advancements$3083,078$946,500

It's important to understand that when you estimate your replacement cost of your home in the 11971 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 11971

Allstate Insurance - Chris Manfredi

Address: Po Box 1345 53345 Rte 25 Feather Hill Southold, NY 11971
Phone: (631)765-4666
Website:

Best Home & Auto Insurance Agencies in 11971

Cabral Insurance Brokerage

Address: 53965 Route 25 Southold, NY 11971
Phone:
Website:
Info:

Allstate Insurance - Chris Manfredi

Address: Po Box 1345 53345 Rte 25 Feather Hill Southold, NY 11971
Phone:
Website:
Info:

Housing Demographics for 11971

Population Review for 11971 Zip Code

For the city of Southold, the population within 11971 has increased to over 7,028 residents in population size. The current population total is 6,105. We have broken down the population based on race below. In 11971, there are over 2954 in male population and 3151 females.

PopulationValues
Total Population6,105
White Population5105
Black Population70
Hispanic Population765
Asian Population83
Hawaiian Population0
Indian Population28
Other Population445
Male Population2954
Female Population3151
Population Estimate7028

Household Data for 11971

The average number of homes in 11971 is around 2,650, there are an average of 2.29 per household. The average house value according to local real estate values is around $631,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,650
Persons Per Household2.29
Average House Value$631,000
Income Per Household$96319
Median Age54.8
Median Age Male52.9
Median Age Female56.2
11971 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code631/934
CitySouthold
City Alias NameSOUTHOLD
CountySuffolk
County FIPS103
State FIPS36
Time Zone5
Day Light SavingY
MSA5602
PMSA5380
CSA408
CBSA35620
CBSA_DIV35004
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameNassau-Suffolk, NY PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses230
Number Of Employees1158
Business First Quarter Payroll10922
Business Annual Payroll56921
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 Population2832882
Congressional District01
Congressional LandArea650.02
Delivery Residential3069
Delivery Business98
Delivery Total4242
Preferred Last Line KeyV16236
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNassau County-Suffolk County, NY
City State KeyV16236
Land Area10.961000
Water Area4.116000
City Alias Code
City Mixed CaseSouthold
City Alias Mixed CaseSouthold
Box Count810
SFDU2914
MFDU42
State ANSI36
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number358000
Unique ZIP Name
SSA State County Code33700
Medicare CBSA Code35004
Medicare CBSA NameNassau County-Suffolk County, NY
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseSuffolk

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 […]