Compare Quotes from Top Providers and Save now!

Utica, NY Home Values & Insurance Rates

Utica, NY Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,771 15.0% $163
$50,000 to $59,999 914 7.0% $345
$60,000 to $69,999 877 7.0% $427
$70,000 to $79,999 1,069 9.0% $491
$80,000 to $89,999 1,516 13.0% $561
$90,000 to $99,999 1,300 11.0% $625
$100,000 to $124,999 1,595 13.0% $725
$125,000 to $149,999 997 8.0% $906
$150,000 to $174,999 660 5.0% $1070
$175,000 to $199,999 282 2.0% $1240
$200,000 to $249,999 227 1.0% $1491
$250,000 to $299,999 166 1.0% $1819

Top Home Insurance Agents Near Utica, NY

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

Estimated Home Insurance By Street Area Near Utica, NY

Utica Area Estimated House Insurance
W Dawes Ct, Ontario St, Jefferson Ave, Linwood Pl, Conkling Ave, Proctor Blvd, Symonds Pl, Roseclair Ave, Ney Ave, Hillcrest Ave$583
Thomas St, Lathrop Pl, Kemble St, Poe St, Sarah St, Belmont Ave, Hawthorne Ave, Avery Pl, Nellis Pl, Watkins Ave$582
Bennett St, Hart St, Riverside Dr, Dewitt St, Armory Dr, Sherman Pl, Oriskany St W, Burth St, Ballantyne Brae, Crouse St$577
Cosby Rd, Ridge Rd, Robin Rd, Noyles St, E Adrean Ter, Frederick Pl E, Tamarack St, Lenox Ave, Cornelia Pl, Harbor Point Rd$None
Northern Rd, Howe St, Mary Ave, Talcott Rd, Homestead Dr, Carton Ave, Parkway E, Ty Pl, Wilcox St, Beechgrove Pl$587

Savings on home insurance for senior occupied homes

PlaceSavings
Utica$87 to $89
Yorkville$87
New Hartford$89
Marcy$90

Utica, NY Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Utica, NY4.3%10.9%
Yorkville4.62%9.99%
New York Mills3.95%9.45%
New Hartford3.5%8.38%

Utica Renters Insurance as a Percentage of Rent

Utica Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 305 2.0% $351
$200 to $299 823 6.0% $801
$300 to $499 2,006 16.0% $1251
$500 to $749 4,750 39.0% $1926
$750 to $999 2,600 21.0% $2676
$1,000 to $1,499 1,264 10.0% $3801
$1,500 or more 259 2.0% $5451

Utica, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Utica Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,600$8,800
Net Savings to Utica Home Owner from High Deductible Plan $800

Utica, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Utica, NY Home Replacement Value MORE than Home Value Utica, NY Home Replacement Value LESS than Home Value
Replacement Value $149,000 $91,000
Insurance Premium based on Replacement Value $1,375 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $30,000 Risk Exposure from Under Insuring Coverage is $28,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $275/year

Example Utica Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceLiberty Mutual
Monthly Premium 1006953
Year Built 195519671947
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$75000-$100000$75000-$100000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500- $1000 Deductible

Utica, NY Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Yorkville village, New York $73 $97 $146
New York Mills village, New York $73 $97 $146
New Hartford town, Oneida County, New York $75 $99 $149

Sample Home Insurance Rates for Utica, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1953 155,000 Metal Roof 2,030 4 $500 Deductible 420 3 Wood siding yes
1956 155,000 Tile Roof 2,260 4 $2500-$5000 Deductible 210 3 Wood siding yes
1953 90,000 Composition Roof 1,580 2 $500- $1000 Deductible 570 9 Stucco siding No
1963 170,000 Membrane Roof 2,910 4 $1000-$2500 Deductible 700 7 Brick siding yes
1946 145,000 Asphalt Shingles Roof 2,630 5 $1000-$2500 Deductible 450 6 Fiber-Cement Siding No
1943 145,000 Slate Shingles Roof 2,250 3 $1000-$2500 Deductible 840 12 Wood siding yes
1966 75,000 Tile Roof 1,080 2 $2500-$5000 Deductible 660 10 Stone Siding yes
1963 170,000 Membrane Roof 2,370 3 $500- $1000 Deductible 530 6 Vinyl siding No
1959 95,000 Slate Shingles Roof 1,390 2 $500 Deductible 780 8 Vinyl siding No
1968 300,000 Wood Shake Roof 4,960 5 $2500-$5000 Deductible 1510 7 Fiber-Cement Siding yes
1954 110,000 Asphalt Shingles Roof 1,950 3 $1000-$2500 Deductible 230 3 Wood siding yes
1960 115,000 Wood Shake Roof 1,620 3 $500- $1000 Deductible 690 6 Vinyl siding yes
1943 105,000 Asphalt Shingles Roof 1,691 3 > $10,000 Deductible 1160 7 Wood siding yes