Utica, NY Home Insurance - Analysis On Quotes, Rates & Agents

Utica, NY Insurance Rates:

Homeowners need to compare different quotes to find the best home insurer suitable for their needs. The following analysis by vHome Insurance in Utica, NY helps consumers in making better choices. Enter your Zip Code in the banner below to get home insurance quotes. vHome Insurance undertook a detailed analysis of the cost of insurance inUtica, NY.

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Average Home Insurance Premium in Utica, NY

National Average Premium State Average Premium Utica Average Premium
$1,438 $1,164 $1,350.24

Top Home Insurance Companies in Utica, NY | Back to Top

It is essential to find home insurers that provide the best insurance quotes. vHomeInsurance has rounded up the top home insurance companies in Utica, NY.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Liberty Mutual $1,013 $1,216 $1,580 $2,181
Allstate $1,311 $1,573 $2,045 $2,823
Preferred Insurance $945 $1,134 $1,474 $2,034
USAA $1,090 $1,308 $1,700 $2,346

Utica, NY Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 1,784.16
$150,000 To $174,999 2,219.88
$175,000 To $199,999 2,513.68
$200,000 To $249,999 2,954.23
$250,000 To $299,999 4,482.18
$300,000 To $399,999 5,777.38
$400,000 To $499,999 7,369.27
$500,000 To $749,999 9,432.67
$750,000 To $999,999 10,906.53
$1000,000 To $1499,999 12,011.92
$1500,000 To $2000,000 12,896.23

Visual Guide for Utica, NY Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Utica, NY | Back to Top

Home Insurance Company Near Utica, NY Homeowners Insurance Agency Near Utica, NY Address
Nationwide David B Quintin Inc 3915 Oneida Street, New Hartford, NY, 13413-9712
Travelers Graduate Tenant Program 231 SALINA MEADOW PARKWAY, SYRACUSE, NY, 13221
Travelers Liverpool Associates Insurance Agency Inc 7238 OSWEGO RD, LIVERPOOL, NY, 13090
Travelers M & T Insurance Agency Inc 101 S Salina St Fl 4, Syracuse, NY, 13202
Liberty Mutual Samuel Girmonde 10 Business Park CourtUtica, Utica, NY, 13502

List of Utica, NY Home Insurance Agents by Companies

Utica, NY Homeowners Insurance Rates Based on Claims Filed | Back to Top

Utica, NY homeowners who have no previous history of filing for claims are eligible for a discount of $189.03. Utica, NY homeowners who have filed one claim previously have to pay an additional home insurance premium of $81, while homeowners who have filed 2 claims previously have to pay an additional $176 on their home insurance rate.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -189 1,161
One Claim +81 1,431
Two Claim +176 1,526

Utica, NY Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
13501 94,100 1,256
13502 92,800 1,366

Factors Affecting Home Insurance Premiums in Utica, NY

The average home insurance premium in Utica, NY is $1350.24. There are multiple factors that affect home insurance rates in Utica, NY. vHome Insurance lists the factors that could help homeowners in Utica, NY reduce their homeowners insurance rates.

Utica, NY Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 798
3 Bedroom 1,495
4 Bedroom 3,190
5 Bedroom 4,486

Utica, NY Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners in Utica, NY who pay a low deductible of $500 pay a higher rate on their home insurance premium, while Utica, NY homeowners who pay a deductible rate as high as $2500 pay a lower rate on their home insurance premium, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,334
$1000 Deductible 1,207
$1500 Deductible 1,136
$2000 Deductible 1,031
$2500 Deductible 969

Utica, NY Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Utica, NY pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,080
Year 30 Old 1,370
Year 40 Old 1,385
Year 50 Old 1,402
Above Year 50 1,415

Utica, NY Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 189 1,161
Masonry 68 1,283
Brick 68 1,283
Superior 135 1,215
Hail Resistant Roof 41 1,310

Top Saving Tips on Utica, NY Homeowners Insurance | Back to Top

Home insurance companies tend to provide discounts to homeowners based on the construction type of the home. Utica, NY homes that are resistant to damage attract more discounts from home insurers. Utica, NY homeowners who have bundled their auto insurance and home insurance policies pay lower home insurance premiums. Senior citizens also receive additional discounts from home insurers, in addition to standard discounts. Utica, NY homes equipped with safety devices earn substantial discounts, as they are less prone to burglaries.

The tables below contain the complete list of discounts that Utica, NY homeowners can take advantage of to increase their savings.

Utica, NY Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 203 1,148
Retiree Discount (Senior Citizen Discount) 189 1,539
Newly Constructed Home 270 1,080

Utica, NY Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 135 1,215
Fire Extinguishers 108 1,242
Smoke Detectors 162 1,188
Sprinkler System 122 1,229
Fire Alarm 108 1,242
Burglar Alarm 122 1,229
Lightning Protection 41 1,310

Latest Home Insurance Reviews

I would recommend USAA for home insurance because you can trust them to do what they say they'll do. I've dealt with other companies, and USAA is the first to completely back their clients without hassle or fuss.
State Farm
They do a good job of providing good customer service and policies. I would not complain compared to other insurance companies. I think State Farm is very good.
We have had positive experiences with Progressive auto insurance, and would expect the same from the home insurance, so I would recommend this to others based on our interactions with the company.
I am so satisfy with the Geico insurance. This company is really one of the best insurance company in the United States. As I remember, most of my friends use this company for their insurance.
State Farm
I would recommend. They are very personable and will go out of their way to help you if you need it. I don't have anything negative to say about them.
The best home buyers of this insurance is only experience. I like this insurance company very much. It is very useful in my life to leading my life.So I give the rate is 5 to this insurance company
State Farm
I haven't shopped for many home insurance offerings in the past as this is my first home. Based on conversations I've had with friends and colleagues, the coverage I have is pretty standard/average.
When i was having packages stolen from my property, my agent was happy to work with me on figuring out a solution.
I heard the company is not accredited. sometimes, they are to find when there is an accident. when you call for help, you get to transfer a lot. nobody can help you out.
State Farm
The manager is so nice and very helpful to get us the very best price. the manager looks out for all his customers.
I have only had a few time I needed to contact them. Usually, it is billing and gets handled rather quickly.
Erie Insurance
I love our company's customer service. When we moved two times in less than a year, they were so helpful in getting everything straightened out for us and even suggested getting a rental policy in place instead of terminating our years of service with them, while we lived with my parents.
USAA is very responsive. They move very quickly to get you established with service and also whenever there is a change in location. I have moved several times because of my job, USAA has always been able to quickly switch my coverage from state to state right over the phone and my new insurance cards were available instantly.
Safeco Insurance
I really enjoy the customer service. We don't often need to call, but when we do, usually about a billing question, we are quickly able to get a hold of someone and they usually help.
Their customer service is responsive and able to help me with my issues. They have relatively friendly people who are working for them and I have been satisfied with working with them
The whole experience with USAA home insurance is just spectacular. The overwhelmingly positive experience when dealing with the company just blows me away every time.