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14215 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 14215 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 Buffalo, NY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 14215.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 14215 and start shopping.

Quickly and Easily Compare Average Rates for 14215

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

Average Policy Rates in 14215

Homeowners in Buffalo are paying roughly $1020 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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14215 Home Insurance Average Premiums

Local 14215 homeowners insurance quotes comparison

$770 /yr.

Shows Zip Code: 14215 lowest rates with discounts applied on average.

For the 14215, 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)
$770 /yr.
Average Coverage:$1020 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1320 /yr.

What is the average home insurance cost for a home in 14215?

  • • The average homeowners insurance premium paid annually for a home in 14215 is around $1020 per year.

What does it cost on average per month for home insurance in 14215?

  • • Homeowners in 14215 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 14215?

  • • Autoowners in 14215 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.

For shopping home insurance rates within the Buffalo area, check out other zip codes nearby 14215.
Review average rates in another zip code:
14208 homeowners insurance rates
14223 homeowners insurance rates
14220 homeowners insurance rates
14226 homeowners insurance rates
14204 homeowners insurance rates
14227 homeowners insurance rates
14211 homeowners insurance rates
14216 homeowners insurance rates
14218 homeowners insurance rates
14209 homeowners insurance rates

Home Replacement Cost Coverage in 14215

Average Building Cost Per Square Foot in 14215: $205

Location: Buffalo, New York (Erie County)

Average Square Footage in 14215: 378 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 14215 before you start any project. Buffalo 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 14215 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 14215 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 378 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 Buffalo 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$205378$77,400
Additional Upgrades & Added Features$256378$96,750
Major Home Updates or Advancements$308378$116,100

It's important to understand that when you estimate your replacement cost of your home in the 14215 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 14215

Best Home & Auto Insurance Agencies in 14215

Miller, David W - Allstate Insurance Company

Address: 3770 Harlem Rd Buffalo, NY 14215
Phone:
Website: http://www.allstate.com/
Info:

Dave Miller Agency, LLC

Address: 3770 Harlem Rd Cheektowaga, NY 14215
Phone:
Website: http://www.buffalo-insurance.com/prosite/
Info:

Ashby, Diane - Ashby Agency Incorporated

Address: 3800 Harlem Rd Buffalo, NY 14215
Phone:
Website:
Info:

Jerome Walters Agency

Address: 3871 Harlem Rd Buffalo, NY 14215
Phone:
Website:
Info:

Housing Demographics for 14215

Population Review for 14215 Zip Code

For the city of Buffalo, the population within 14215 has increased to over 35,699 residents in population size. The current population total is 42,447. We have broken down the population based on race below. In 14215, there are over 19028 in male population and 23419 females.

PopulationValues
Total Population42,447
White Population5039
Black Population31432
Hispanic Population2783
Asian Population2536
Hawaiian Population16
Indian Population130
Other Population1151
Male Population19028
Female Population23419
Population Estimate35699

Household Data for 14215

The average number of homes in 14215 is around 16,739, there are an average of 2.49 per household. The average house value according to local real estate values is around $77,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,739
Persons Per Household2.49
Average House Value$77,400
Income Per Household$37974
Median Age32.6
Median Age Male30.0
Median Age Female34.8
14215 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code716
CityBuffalo
City Alias NameBUFFALO
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 Businesses448
Number Of Employees9118
Business First Quarter Payroll164231
Business Annual Payroll672937
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 District26
Congressional LandArea219.13
Delivery Residential14337
Delivery Business509
Delivery Total15601
Preferred Last Line KeyV12344
Classification Code
Multi-County
CSA NameBuffalo-Cheektowaga-Olean, NY
CBSA_DIV_Name
City State KeyV12344
Land Area4.763000
Water Area0.000000
City Alias Code
City Mixed CaseBuffalo
City Alias Mixed CaseBuffalo
Box Count500
SFDU13907
MFDU179
State ANSI36
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number351025
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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    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]