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05440 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 05440 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 Alburgh, VT quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 05440.

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 05440 and start shopping.

Quickly and Easily Compare Average Rates for 05440

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

Average Policy Rates in 05440

Homeowners in Alburgh are paying roughly $741 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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05440 Home Insurance Average Premiums

Local 05440 homeowners insurance quotes comparison

$491 /yr.

Shows Zip Code: 05440 lowest rates with discounts applied on average.

For the 05440, 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)		$491 /yr.
Average Coverage:$741 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1041 /yr.

What is the average home insurance cost for a home in 05440?

  • • The average homeowners insurance premium paid annually for a home in 05440 is around $741 per year.

What does it cost on average per month for home insurance in 05440?

  • • Homeowners in 05440 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 05440?

  • • Autoowners in 05440 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 Alburgh, check out other zip codes nearby 05440.
To review average rates in another zip code, click on a zip code below:
05440  | 

Home Replacement Cost Coverage in 05440

Average Building Cost Per Square Foot in 05440: $159

Location: Alburgh, Vermont (Grand Isle County)

Average Square Footage in 05440: 1,412 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 05440 before you start any project. Alburgh 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 05440 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 05440 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,412 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 Alburgh 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$1591,412$224,500
Additional Upgrades & Added Features$1991,412$280,625
Major Home Updates or Advancements$2391,412$336,750

It's important to understand that when you estimate your replacement cost of your home in the 05440 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 05440

Best Home & Auto Insurance Agencies in 05440

Housing Demographics for 05440

Population Review for 05440 Zip Code

For the city of Alburgh, the population within 05440 has increased to over 2,374 residents in population size. The current population total is 2,106. We have broken down the population based on race below. In 05440, there are over 1067 in male population and 1039 females.

PopulationValues
Total Population2,106
White Population1919
Black Population11
Hispanic Population38
Asian Population15
Hawaiian Population0
Indian Population26
Other Population14
Male Population1067
Female Population1039
Population Estimate2374

Household Data for 05440

The average number of homes in 05440 is around 867, there are an average of 2.43 per household. The average house value according to local real estate values is around $224,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode867
Persons Per Household2.43
Average House Value$224,500
Income Per Household$63462
Median Age46.5
Median Age Male46.1
Median Age Female47.0
05440 DetailsValues
StateVT
State Full NameVermont
City TypeP
City Alias Abbreviation
Area Code802
CityAlburgh
City Alias NameALBURGH
CountyGrand Isle
County FIPS013
State FIPS50
Time Zone5
Day Light SavingY
MSA
PMSA
CSA162
CBSA15540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBurlington-South Burlington, VT
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses40
Number Of Employees103
Business First Quarter Payroll916
Business Annual Payroll4247
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population211261
CBSA Division Population0
Congressional District
Congressional LandArea
Delivery Residential977
Delivery Business17
Delivery Total1251
Preferred Last Line KeyV25993
Classification Code
Multi-County
CSA NameBurlington-South Burlington-Barre, VT
CBSA_DIV_Name
City State KeyV25993
Land Area29.098000
Water Area19.994000
City Alias Code
City Mixed CaseAlburgh
City Alias Mixed CaseAlburgh
Box Count224
SFDU888
MFDU16
State ANSI50
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number500084
Unique ZIP Name
SSA State County Code47060
Medicare CBSA Code15540
Medicare CBSA NameBurlington-South Burlington, VT
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseGrand Isle

Vermont Homeowners Insurance News & Information

  • 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.  […]

  • 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 […]