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.
| Home Insurance Company Near Utica, NY | Homeowners Insurance Agency Near Utica, NY | Address |
|---|---|---|
| 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 |
| Nationwide | David B Quintin Inc | 3915 Oneida Street, New Hartford, NY, 13413-9712 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Utica, NY | 4.3% | 10.9% |
| Yorkville | 4.62% | 9.99% |
| New York Mills | 3.95% | 9.45% |
| New Hartford | 3.5% | 8.38% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Utica | $87 to $89 |
| Yorkville | $87 |
| New Hartford | $89 |
| Marcy | $90 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Utica Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $8,800 | $7,800 |
| Net Savings to Utica Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Utica, NY Home Replacement Value MORE than Home Value | Utica, NY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $143,000 | $104,000 |
| Insurance Premium based on Replacement Value | $1,250 | $900 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $17,000 | Risk Exposure from Under Insuring Coverage is $22,000 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $150/year |
| Insurance Company | Chubb Group of Insurance | Liberty Mutual | Erie Insurance |
| Monthly Premium | 92 | 107 | 128 |
| Year Built | 1953 | 1964 | 1949 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 4 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $175000-$200000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |