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12922 Home Insurance Rates
Getting multiple homeowners insurance rates in 12922 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Childwold, NY. Many homeowners based out of the 12922 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our New York licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 12922 should appear in the zip code field ready to go. For Childwold, NY Home Insurance Quotes, Click to easily get started!
12922 Homeowners Insurance Rates, Average Rating: High!
Your homeowners insurance policy in 12922 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Childwold. For a basic HO-3, standard homeowners policy, the average premium per year in New York is around $1201. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 12922 zip code today and let us help you save time and money on your homeowners insurance premium.
12922 Home Insurance Average Premiums
$951 /yr.
Shows Zip Code: 12922 lowest rates with discounts applied on average.
For the 12922, 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) | $951 /yr. |
| Average Coverage: | $1201 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1501 /yr. |
What is the average home insurance cost for a home in 12922?
- • The average homeowners insurance premium paid annually for a home in 12922 is around $1201 per year.
What does it cost on average per month for home insurance in 12922?
- • Homeowners in 12922 pay a monthly average cost per month around $100.00.
What kind of discount could I get if I combine my home and auto insurance together in 12922?
- • Autoowners in 12922 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 Childwold, check out other zip codes nearby 12922.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 12922
Average Building Cost Per Square Foot in 12922: $205
Location: Childwold, New York (Saint Lawrence County)Average Square Footage in 12922: 1,067 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 12922 before you start any project. Childwold 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 12922 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 12922 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,067 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 Childwold 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 | 1,067 | $218,800 |
| Additional Upgrades & Added Features | $256 | 1,067 | $273,500 |
| Major Home Updates or Advancements | $308 | 1,067 | $328,200 |
It's important to understand that when you estimate your replacement cost of your home in the 12922 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 12922
Best Home & Auto Insurance Agencies in 12922
Housing Demographics for 12922
Population Review for 12922 Zip Code
For the city of Childwold, the population within 12922 has increased to over 51 residents in population size. The current population total is 68. We have broken down the population based on race below. In 12922, there are over 41 in male population and 27 females.
| Population | Values |
|---|---|
| Total Population | 68 |
| White Population | 66 |
| Black Population | 0 |
| Hispanic Population | 1 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 0 |
| Male Population | 41 |
| Female Population | 27 |
| Population Estimate | 51 |
Household Data for 12922
The average number of homes in 12922 is around 46, there are an average of 1.48 per household. The average house value according to local real estate values is around $218,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 46 |
| Persons Per Household | 1.48 |
| Average House Value | $218,800 |
| Income Per Household | $0 |
| Median Age | 60.7 |
| Median Age Male | 61.8 |
| Median Age Female | 55.5 |
| 12922 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 315 |
| City | Childwold |
| City Alias Name | CHILDWOLD |
| County | Saint Lawrence |
| County FIPS | 089 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 32390 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Massena-Ogdensburg, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 21 |
| Congressional LandArea | 15114.76 |
| Delivery Residential | 35 |
| Delivery Business | 3 |
| Delivery Total | 54 |
| Preferred Last Line Key | 018525 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | 018525 |
| Land Area | 83.378000 |
| Water Area | 1.159000 |
| City Alias Code | |
| City Mixed Case | Childwold |
| City Alias Mixed Case | Childwold |
| Box Count | 7 |
| SFDU | 35 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 089 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 358575 |
| Unique ZIP Name | |
| SSA State County Code | 33630 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 7 |
| County Mixed Case | Saint Lawrence |
New York Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]