12204 Home Insurance Rates

For homeowners living in 12204, the population estimates are increasing to well over 7,818 with 3,706 occupied homes within the zip code of 12204. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Albany have increased and the average home insurance premium is around $1,041 per year in 12204. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 12204 zip code today so we can help you find affordable Albany, NY home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 12204

Please select one of the three options below based on your 12204 zip code to learn more about New York homeowners insurance, plus review average rates and information per state, county or city.

1. New York Homeowners Insurance Quotes
2. Albany County, NY Home Insurance
3. Albany, NY Home Insurance Quotes

12204 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 12204 zip code just got easier with GetHomeInsuranceQuotes.com of Albany, NY. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 12204 today and let us help you review the best home insurance quotes available for homeowners living in Albany.

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Average Building Cost Per Square Foot in 12204: $205

Average Square Footage in 12204: 925 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12204 before you start any project. Albany 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 12204 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 12204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 925 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 Albany 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 12204 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.

Peter A Mason - Nationwide Insurance

Allstate Insurance Company - Salvatore Graziano

Household Data for 12204

The average number of homes in 12204 is around 3,706, there are an average of 2.09 per household. The average house value according to local real estate values is around $189,700. Please review the following demographics below for average income and media age.

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