Utica Insurance Rates:

Utica, NY homeowners insurance is approximately $498 to $672, about $41-$56/month. Our comprehensive guide indicates shoppers can save upto $234 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
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.
Progressive
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.
Geico
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.
Allstate
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
Allstate
When i was having packages stolen from my property, my agent was happy to work with me on figuring out a solution.
Progressive
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.
Nationwide
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
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.
Geico
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
Usaa
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.

Utica, NY Homeowners Insurance By Home Value

Utica, NY Home Value Total Homes % of Total Average Utica, NY 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

Utica, NY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Utica, NY

Streets in Utica Area Homeowners Insurance Cost
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

Utica, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Utica$87 to $89
Yorkville$87
New Hartford$89
Marcy$90

Utica, NY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
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

Utica, NY Area 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

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
1960 115,000 Wood Shake Roof 2,160 3 $2500-$5000 Deductible 880 10 Stucco siding yes
1947 240,000 Asphalt Shingles Roof 3,350 4 $500- $1000 Deductible 360 2 Vinyl siding No
1958 85,000 Membrane Roof 1,590 2 $500 Deductible 430 9 Stucco siding No
1960 185,000 Asphalt Shingles Roof 2,410 5 $1000-$2500 Deductible 110 1 Stone Siding No
1959 105,000 Metal Roof 1,650 2 $1000-$2500 Deductible 560 8 Fiber-Cement Siding No
1960 245,000 Slate Shingles Roof 4,390 5 $1000-$2500 Deductible 1190 6 Vinyl siding No
1960 330,000 Metal Roof 4,650 5 > $10,000 Deductible 600 3 Stone Siding No
1959 130,000 Composition Roof 2,150 3 $1000-$2500 Deductible 160 2 Brick siding yes
1952 240,000 Tile Roof 3,830 5 $500- $1000 Deductible 290 2 Brick siding No
1966 120,000 Shingles Roof 1,640 3 $500 Deductible 360 4 Fiber-Cement Siding No
1959 115,000 Shingles Roof 1,720 4 $500- $1000 Deductible 910 9 Stone Siding No
1953 180,000 Tile Roof 3,300 4 $2500-$5000 Deductible 510 6 Stone Siding yes
1956 155,000 Wood Shake Roof 1,990 5 $500 Deductible 970 6 Vinyl siding yes
1960 165,000 Asphalt Shingles Roof 2,480 5 $5000 to $10,000 Deductible 730 8 Stone Siding yes
1955 100,000 Asphalt Shingles Roof 1,410 3 $500- $1000 Deductible 680 7 Stone Siding No
1958 265,000 Metal Roof 3,920 5 > $10,000 Deductible 340 3 Stucco siding No
1941 160,000 Metal Roof 2,750 4 $500 Deductible 340 3 Stone Siding yes
1968 100,000 Membrane Roof 1,620 2 $500 Deductible 300 5 Wood siding yes
1959 145,000 Composition Roof 2,200 5 $1000-$2500 Deductible 680 7 Vinyl siding yes
1943 175,000 Shingles Roof 2,470 4 $1000-$2500 Deductible 990 7 Vinyl siding yes
1948 145,000 Asphalt Shingles Roof 2,170 3 $1000-$2500 Deductible 900 8 Brick siding No
1943 135,000 Membrane Roof 2,000 3 $500- $1000 Deductible 400 5 Stone Siding No
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

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