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12884 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 12884 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Victory Mills, NY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 12884.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 12884 and start shopping.

Quickly and Easily Compare Average Rates for 12884

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Victory Mills, NY home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 12884

Homeowners in Victory Mills are paying roughly $1034 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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12884 Home Insurance Average Premiums

Local 12884 homeowners insurance quotes comparison

$784 /yr.

Shows Zip Code: 12884 lowest rates with discounts applied on average.

For the 12884, 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)		$784 /yr.
Average Coverage:$1034 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1334 /yr.

What is the average home insurance cost for a home in 12884?

  • • The average homeowners insurance premium paid annually for a home in 12884 is around $1034 per year.

What does it cost on average per month for home insurance in 12884?

  • • Homeowners in 12884 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 12884?

  • • Autoowners in 12884 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 Victory Mills, check out other zip codes nearby 12884.
To review average rates in another zip code, click on a zip code below:
12884  | 

Home Replacement Cost Coverage in 12884

Average Building Cost Per Square Foot in 12884: $205

Location: Victory Mills, New York (Saratoga County)

Average Square Footage in 12884: 689 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 12884 before you start any project. Victory Mills 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 12884 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 12884 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 689 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 Victory Mills 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$205689$141,300
Additional Upgrades & Added Features$256689$176,625
Major Home Updates or Advancements$308689$211,950

It's important to understand that when you estimate your replacement cost of your home in the 12884 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 12884

Best Home & Auto Insurance Agencies in 12884

Housing Demographics for 12884

Population Review for 12884 Zip Code

For the city of Victory Mills, the population within 12884 has increased to over 0 residents in population size. The current population total is 541. We have broken down the population based on race below. In 12884, there are over 252 in male population and 289 females.

PopulationValues
Total Population541
White Population502
Black Population2
Hispanic Population11
Asian Population1
Hawaiian Population2
Indian Population0
Other Population2
Male Population252
Female Population289
Population Estimate0

Household Data for 12884

The average number of homes in 12884 is around 198, there are an average of 2.73 per household. The average house value according to local real estate values is around $141,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode198
Persons Per Household2.73
Average House Value$141,300
Income Per Household$40703
Median Age37.4
Median Age Male36.5
Median Age Female39.5
12884 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias Abbreviation
Area Code518
CityVictory Mills
City Alias NameVICTORY MILLS
CountySaratoga
County FIPS091
State FIPS36
Time Zone5
Day Light SavingY
MSA0160
PMSA
CSA104
CBSA10580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAlbany-Schenectady-Troy, NY
MSA_NameAlbany-Schenectady-Troy, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population870716
CBSA Division Population0
Congressional District20
Congressional LandArea1231.28
Delivery Residential0
Delivery Business0
Delivery Total246
Preferred Last Line KeyV16700
Classification CodeP
Multi-County
CSA NameAlbany-Schenectady, NY
CBSA_DIV_Name
City State KeyV16700
Land Area0.443000
Water Area0.000000
City Alias Code
City Mixed CaseVictory Mills
City Alias Mixed CaseVictory Mills
Box Count202
SFDU0
MFDU0
State ANSI36
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number358800
Unique ZIP Name
SSA State County Code33640
Medicare CBSA Code10580
Medicare CBSA NameAlbany-Schenectady-Troy, NY
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseSaratoga

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 […]

  • 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.  […]