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Homeowners Insurance in 14051

For homeowners living in 14051, you want more affordable home insurance rates in East Amherst, right? Our rates are very competitive for homeowners living in the great city of East Amherst, NY. Many homeowners living in the 14051 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our New York licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 14051 should appear in the zip code field ready to go. Comparing East Amherst, NY Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

14051 Home Insurance Costs Are Considered: High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in East Amherst pay around $1014 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing New York home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 14051 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, East Amherst homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your New York home insurance premium today!

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14051 Home Insurance Average Premiums

Local 14051 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 14051 lowest rates with discounts applied on average.

For the 14051, 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)
$764 /yr.
Average Coverage:$1014 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1314 /yr.

What is the average home insurance cost for a home in 14051?

  • • The average homeowners insurance premium paid annually for a home in 14051 is around $1014 per year.

What does it cost on average per month for home insurance in 14051?

  • • Homeowners in 14051 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 14051?

  • • Autoowners in 14051 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 East Amherst, check out other zip codes nearby 14051.
To review average rates in another zip code, click on a zip code below:
14051  | 

Home Replacement Cost Coverage in 14051

Average Building Cost Per Square Foot in 14051: $205

Location: East Amherst, New York (Erie County)

Average Square Footage in 14051: 1,503 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14051 before you start any project. East Amherst 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 14051 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 14051 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,503 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 East Amherst 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$2051,503$308,100
Additional Upgrades & Added Features$2561,503$385,125
Major Home Updates or Advancements$3081,503$462,150

It's important to understand that when you estimate your replacement cost of your home in the 14051 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 14051

Best Home & Auto Insurance Agencies in 14051

Allstate Insurance Company - Mathew Gugino

Address: 9376 Transit Rd East Amherst, NY 14051
Phone:
Website: http://www.allstate.com/
Info:

Allstate Insurance Company - Wayne Le Van

Address: 8770 Transit Rd East Amherst, NY 14051
Phone:
Website: http://www.allstate.com/
Info:

Chenoweth- Nancy L

Address: 6427 Transit Rd East Amherst, NY 14051
Phone:
Website:
Info:

Housing Demographics for 14051

Population Review for 14051 Zip Code

For the city of East Amherst, the population within 14051 has increased to over 21,269 residents in population size. The current population total is 20,721. We have broken down the population based on race below. In 14051, there are over 10100 in male population and 10621 females.

PopulationValues
Total Population20,721
White Population16972
Black Population547
Hispanic Population566
Asian Population1965
Hawaiian Population7
Indian Population40
Other Population184
Male Population10100
Female Population10621
Population Estimate21269

Household Data for 14051

The average number of homes in 14051 is around 8,174, there are an average of 2.53 per household. The average house value according to local real estate values is around $308,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,174
Persons Per Household2.53
Average House Value$308,100
Income Per Household$108065
Median Age45.8
Median Age Male44.4
Median Age Female47.4
14051 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716
CityEast Amherst
City Alias NameEAST AMHERST
CountyErie
County FIPS029
State FIPS36
Time Zone5
Day Light SavingY
MSA1280
PMSA
CSA160
CBSA15380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBuffalo-Cheektowaga, NY
MSA_NameBuffalo-Niagara Falls, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses443
Number Of Employees3027
Business First Quarter Payroll27453
Business Annual Payroll135866
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1135509
CBSA Division Population0
Congressional District23|26
Congressional LandArea7371.65|219.13
Delivery Residential8407
Delivery Business278
Delivery Total9093
Preferred Last Line KeyV13050
Classification Code
Multi-County
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV13050
Land Area15.496000
Water Area0.057000
City Alias Code
City Mixed CaseEast Amherst
City Alias Mixed CaseEast Amherst
Box Count175
SFDU6085
MFDU474
State ANSI36
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number352355
Unique ZIP Name
SSA State County Code33240
Medicare CBSA Code15380
Medicare CBSA NameBuffalo-Cheektowaga, NY
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseErie

New York Homeowners Insurance News & Information

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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.  […]

  • 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 […]