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Home Insurance in 13037

One of the best ways to save money on your homeowners insurance policy in the 13037 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Chittenango, NY. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our New York licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 13037 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 13037

Find Chittenango, NY Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 13037

According to industry data, homeowners located in Chittenango pay roughly $1047 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 13037 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of New York home insurance premiums found that premiums in 13037 are 16 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 13037 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 13037.

Let us find you a great policy at an affordable price, get 13037 homeowners insurance quotes now.

13037 Home Insurance Average Premiums

Local 13037 homeowners insurance quotes comparison

$797 /yr.

Shows Zip Code: 13037 lowest rates with discounts applied on average.

For the 13037, 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)
$797 /yr.
Average Coverage:$1047 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1347 /yr.

What is the average home insurance cost for a home in 13037?

  • • The average homeowners insurance premium paid annually for a home in 13037 is around $1047 per year.

What does it cost on average per month for home insurance in 13037?

  • • Homeowners in 13037 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 13037?

  • • Autoowners in 13037 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.

For shopping home insurance rates within the Chittenango area, check out other zip codes nearby 13037.
Review average rates in another zip code:
13037 homeowners insurance rates

Home Replacement Cost Coverage in 13037

Average Building Cost Per Square Foot in 13037: $205

Location: Chittenango, New York (Madison County)

Average Square Footage in 13037: 821 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13037 before you start any project. Chittenango homeowners pay on average around $205 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 13037 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 13037 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 821 sq. ft. and the average cost to rebuild the home in this area is around $205 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 Chittenango 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$205821$168,300
Additional Upgrades & Added Features$256821$210,375
Major Home Updates or Advancements$308821$252,450

It's important to understand that when you estimate your replacement cost of your home in the 13037 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 13037

Best Home & Auto Insurance Agencies in 13037

Skeele, Shawn - Skeele Agency Incorporated

Address: 201 Genesee St Chittenango, NY 13037
Phone:
Website: http://www.allstateagencies.com/021854/Welcome/
Info:

Housing Demographics for 13037

Population Review for 13037 Zip Code

For the city of Chittenango, the population within 13037 has increased to over 9,255 residents in population size. The current population total is 9,230. We have broken down the population based on race below. In 13037, there are over 4466 in male population and 4764 females.

PopulationValues
Total Population9,230
White Population8476
Black Population77
Hispanic Population198
Asian Population84
Hawaiian Population0
Indian Population38
Other Population57
Male Population4466
Female Population4764
Population Estimate9255

Household Data for 13037

The average number of homes in 13037 is around 3,768, there are an average of 2.43 per household. The average house value according to local real estate values is around $168,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,768
Persons Per Household2.43
Average House Value$168,300
Income Per Household$74785
Median Age42.3
Median Age Male41.5
Median Age Female42.8
13037 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code680/315
CityChittenango
City Alias NameCHITTENANGO
CountyMadison
County FIPS053
State FIPS36
Time Zone5
Day Light SavingY
MSA8160
PMSA
CSA532
CBSA45060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSyracuse, NY
MSA_NameSyracuse, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses140
Number Of Employees1223
Business First Quarter Payroll11389
Business Annual Payroll54063
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population662577
CBSA Division Population0
Congressional District22
Congressional LandArea5077.45
Delivery Residential3809
Delivery Business141
Delivery Total4501
Preferred Last Line KeyV12581
Classification Code
Multi-CountyY
CSA NameSyracuse-Auburn, NY
CBSA_DIV_Name
City State KeyV12581
Land Area42.521000
Water Area0.139000
City Alias Code
City Mixed CaseChittenango
City Alias Mixed CaseChittenango
Box Count99
SFDU3420
MFDU381
State ANSI36
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number351530
Unique ZIP Name
SSA State County Code33360
Medicare CBSA Code45060
Medicare CBSA NameSyracuse, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseMadison

New York Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]