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Home Insurance Rates in 13113

For homeowners shopping online in 13113, our insurance rates are very competitive for homeowners living in Meridian, NY. Many homeowners based out of the great city of Meridian have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New York licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 13113, simply click the "Get Multiple Quotes Now" button. Your 13113 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Meridian, NY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

13113 Home Insurance Rating is: High!

If you live in 13113, you can easily save up to 40% off the average home insurance premium of $1031 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Meridian can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 13113 today!

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13113 Home Insurance Average Premiums

Local 13113 homeowners insurance quotes comparison

$781 /yr.

Shows Zip Code: 13113 lowest rates with discounts applied on average.

For the 13113, 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)
$781 /yr.
Average Coverage:$1031 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1331 /yr.

What is the average home insurance cost for a home in 13113?

  • • The average homeowners insurance premium paid annually for a home in 13113 is around $1031 per year.

What does it cost on average per month for home insurance in 13113?

  • • Homeowners in 13113 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 13113?

  • • Autoowners in 13113 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 Meridian area, check out other zip codes nearby 13113.
Review average rates in another zip code:
13113 homeowners insurance rates

Home Replacement Cost Coverage in 13113

Average Building Cost Per Square Foot in 13113: $205

Location: Meridian, New York (Cayuga County)

Average Square Footage in 13113: 625 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13113 before you start any project. Meridian 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 13113 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 13113 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 625 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 Meridian 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$205625$128,100
Additional Upgrades & Added Features$256625$160,125
Major Home Updates or Advancements$308625$192,150

It's important to understand that when you estimate your replacement cost of your home in the 13113 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 13113

Best Home & Auto Insurance Agencies in 13113

Housing Demographics for 13113

Population Review for 13113 Zip Code

For the city of Meridian, the population within 13113 has increased to over 0 residents in population size. The current population total is 77. We have broken down the population based on race below. In 13113, there are over 54 in male population and 23 females.

PopulationValues
Total Population77
White Population75
Black Population1
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population54
Female Population23
Population Estimate0

Household Data for 13113

The average number of homes in 13113 is around 41, there are an average of 1.88 per household. The average house value according to local real estate values is around $128,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode41
Persons Per Household1.88
Average House Value$128,100
Income Per Household$53750
Median Age54.3
Median Age Male44.5
Median Age Female65.5
13113 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias Abbreviation
Area Code680/315
CityMeridian
City Alias NameMERIDIAN
CountyCayuga
County FIPS011
State FIPS36
Time Zone5
Day Light SavingY
MSA8160
PMSA
CSA532
CBSA12180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAuburn, NY
MSA_NameSyracuse, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees2
Business First Quarter Payroll5
Business Annual Payroll43
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population80026
CBSA Division Population0
Congressional District24
Congressional LandArea2388.56
Delivery Residential0
Delivery Business0
Delivery Total80
Preferred Last Line KeyV14642
Classification CodeP
Multi-County
CSA NameSyracuse-Auburn, NY
CBSA_DIV_Name
City State KeyV14642
Land Area0.035000
Water Area0.000000
City Alias Code
City Mixed CaseMeridian
City Alias Mixed CaseMeridian
Box Count62
SFDU0
MFDU0
State ANSI36
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355225
Unique ZIP Name
SSA State County Code33050
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseCayuga

New York Homeowners Insurance News & Information

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    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]