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Home Insurance in 05051

Our rates are very competitive for homeowners living in the 05051 zip code. Many homeowners based out of Newbury, VT have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our VT licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 05051 should appear in the zip code field ready to go.

05051 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Newbury area? The average homeowners premium in 05051 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 05051, you can expect to pay around $693 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 05051 Today!

Get Home Insurance Quotes in 05051

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Vermont. Start your 05051 home insurance shopping today!

  1. Newbury, VT Home Insurance Quotes

05051 Home Insurance Average Premiums

Local 05051 homeowners insurance quotes comparison

$443 /yr.

Shows Zip Code: 05051 lowest rates with discounts applied on average.

For the 05051, 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)		$443 /yr.
Average Coverage:$693 /yr.
2600 sq. ft. or higher
(all discounts applied)		$993 /yr.

What is the average home insurance cost for a home in 05051?

  • • The average homeowners insurance premium paid annually for a home in 05051 is around $693 per year.

What does it cost on average per month for home insurance in 05051?

  • • Homeowners in 05051 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 05051?

  • • Autoowners in 05051 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 Newbury, check out other zip codes nearby 05051.
To review average rates in another zip code, click on a zip code below:
05051  | 

Home Replacement Cost Coverage in 05051

Average Building Cost Per Square Foot in 05051: $159

Location: Newbury, Vermont (Orange County)

Average Square Footage in 05051: 1,321 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 05051 before you start any project. Newbury homeowners pay on average around $159 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 05051 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 05051 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,321 sq. ft. and the average cost to rebuild the home in this area is around $159 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 Newbury 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$1591,321$210,000
Additional Upgrades & Added Features$1991,321$262,500
Major Home Updates or Advancements$2391,321$315,000

It's important to understand that when you estimate your replacement cost of your home in the 05051 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 05051

Best Home & Auto Insurance Agencies in 05051

Housing Demographics for 05051

Population Review for 05051 Zip Code

For the city of Newbury, the population within 05051 has increased to over 681 residents in population size. The current population total is 1,166. We have broken down the population based on race below. In 05051, there are over 539 in male population and 627 females.

PopulationValues
Total Population1,166
White Population1104
Black Population4
Hispanic Population7
Asian Population3
Hawaiian Population0
Indian Population12
Other Population4
Male Population539
Female Population627
Population Estimate681

Household Data for 05051

The average number of homes in 05051 is around 518, there are an average of 2.25 per household. The average house value according to local real estate values is around $210,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode518
Persons Per Household2.25
Average House Value$210,000
Income Per Household$61518
Median Age51.8
Median Age Male50.5
Median Age Female53.4
05051 DetailsValues
StateVT
State Full NameVermont
City TypeP
City Alias Abbreviation
Area Code802
CityNewbury
City Alias NameNEWBURY
CountyOrange
County FIPS017
State FIPS50
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA30150
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLebanon-Claremont, NH-VT
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses23
Number Of Employees88
Business First Quarter Payroll547
Business Annual Payroll2743
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District
Congressional LandArea
Delivery Residential303
Delivery Business5
Delivery Total519
Preferred Last Line KeyV26740
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyV26740
Land Area32.012000
Water Area0.409000
City Alias Code
City Mixed CaseNewbury
City Alias Mixed CaseNewbury
Box Count186
SFDU288
MFDU15
State ANSI50
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number505040
Unique ZIP Name
SSA State County Code47080
Medicare CBSA Code99947
Medicare CBSA NameRural Areas in VT
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseOrange

Vermont Homeowners Insurance News & Information

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    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.  […]

  • 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 […]