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12418 Home Insurance Rates
For homeowners living in 12418, the population estimates are increasing to well over 558 with 227 occupied homes within the zip code of 12418. 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 Cornwallville have increased and the average home insurance premium is around $1,001 per year in 12418. 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 12418 zip code today so we can help you find affordable Cornwallville, NY home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 12418
Please select one of the three options below based on your 12418 zip code to learn more about New York homeowners insurance, plus review average rates and information per state, county or city.
- New York Homeowners Insurance Quotes
- Greene County, NY Home Insurance
- Cornwallville, NY Home Insurance Quotes
12418 Average Home Insurance Rating Cost is: High!
Getting cheaper homeowners insurance in the 12418 zip code just got easier with GetHomeInsuranceQuotes.com of Cornwallville, 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 12418 today and let us help you review the best home insurance quotes available for homeowners living in Cornwallville.
12418 Home Insurance Average Premiums
$751 /yr.
Shows Zip Code: 12418 lowest rates with discounts applied on average.
For the 12418, 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) | $751 /yr. |
| Average Coverage: | $1001 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1301 /yr. |
What is the average home insurance cost for a home in 12418?
- • The average homeowners insurance premium paid annually for a home in 12418 is around $1001 per year.
What does it cost on average per month for home insurance in 12418?
- • Homeowners in 12418 pay a monthly average cost per month around $83.00.
What kind of discount could I get if I combine my home and auto insurance together in 12418?
- • Autoowners in 12418 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.
You can easily shop and compare home insurance rates within Cornwallville, check out other zip codes nearby 12418.
To review average rates in another zip code, click on a zip code below:
12418 |
Home Replacement Cost Coverage in 12418
Average Building Cost Per Square Foot in 12418: $205
Location: Cornwallville, New York (Greene County)Average Square Footage in 12418: 890 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12418 before you start any project. Cornwallville 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 12418 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 12418 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 890 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 Cornwallville 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $205 | 890 | $182,400 |
| Additional Upgrades & Added Features | $256 | 890 | $228,000 |
| Major Home Updates or Advancements | $308 | 890 | $273,600 |
It's important to understand that when you estimate your replacement cost of your home in the 12418 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 12418
Best Home & Auto Insurance Agencies in 12418
Housing Demographics for 12418
Population Review for 12418 Zip Code
For the city of Cornwallville, the population within 12418 has increased to over 701 residents in population size. The current population total is 558. We have broken down the population based on race below. In 12418, there are over 288 in male population and 270 females.
| Population | Values |
|---|---|
| Total Population | 558 |
| White Population | 509 |
| Black Population | 2 |
| Hispanic Population | 27 |
| Asian Population | 7 |
| Hawaiian Population | 0 |
| Indian Population | 3 |
| Other Population | 6 |
| Male Population | 288 |
| Female Population | 270 |
| Population Estimate | 701 |
Household Data for 12418
The average number of homes in 12418 is around 227, there are an average of 2.46 per household. The average house value according to local real estate values is around $182,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 227 |
| Persons Per Household | 2.46 |
| Average House Value | $182,400 |
| Income Per Household | $68182 |
| Median Age | 48.5 |
| Median Age Male | 47.8 |
| Median Age Female | 50.3 |
| 12418 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 518 |
| City | Cornwallville |
| City Alias Name | CORNWALLVILLE |
| County | Greene |
| County FIPS | 039 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 13 |
| Number Of Employees | 91 |
| Business First Quarter Payroll | 863 |
| Business Annual Payroll | 4102 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 19 |
| Congressional LandArea | 7937.02 |
| Delivery Residential | 285 |
| Delivery Business | 8 |
| Delivery Total | 334 |
| Preferred Last Line Key | V12777 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V12777 |
| Land Area | 13.852000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Cornwallville |
| City Alias Mixed Case | Cornwallville |
| Box Count | 35 |
| SFDU | 285 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 039 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 351935 |
| Unique ZIP Name | |
| SSA State County Code | 33300 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Greene |
New York Homeowners Insurance News & Information
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Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
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Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025
As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]