Get multiple home insurance quotes in 13118. Our licensed 13118, NY agents are ready to serve you.

13118 Home Insurance Rates

For homeowners living in 13118, the population estimates are increasing to well over 5,849 with 2,108 occupied homes within the zip code of 13118. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Moravia have increased and the average home insurance premium is around $1,027 per year in 13118. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 13118 zip code today so we can help you find affordable Moravia, NY home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 13118

Please select one of the three options below based on your 13118 zip code to learn more about New York homeowners insurance, plus review average rates and information per state, county or city.

  1. New York Homeowners Insurance Quotes
  2. Cayuga County, NY Home Insurance
  3. Moravia, NY Home Insurance Quotes

13118 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 13118 zip code just got easier with GetHomeInsuranceQuotes.com of Moravia, NY. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 13118 today and let us help you review the best home insurance quotes available for homeowners living in Moravia.

Get 13118 Homeowners Insurance Rates Now!

13118 Home Insurance Average Premiums

Local 13118 homeowners insurance quotes comparison

$777 /yr.

Shows Zip Code: 13118 lowest rates with discounts applied on average.

For the 13118, 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)
$777 /yr.
Average Coverage:$1027 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1327 /yr.

What is the average home insurance cost for a home in 13118?

  • • The average homeowners insurance premium paid annually for a home in 13118 is around $1027 per year.

What does it cost on average per month for home insurance in 13118?

  • • Homeowners in 13118 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 13118?

  • • Autoowners in 13118 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 Moravia area, check out other zip codes nearby 13118.
Review average rates in another zip code:
13118 homeowners insurance rates

Home Replacement Cost Coverage in 13118

Average Building Cost Per Square Foot in 13118: $205

Location: Moravia, New York (Cayuga County)

Average Square Footage in 13118: 684 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13118 before you start any project. Moravia 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 13118 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 13118 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 684 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 Moravia 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$205684$140,300
Additional Upgrades & Added Features$256684$175,375
Major Home Updates or Advancements$308684$210,450

It's important to understand that when you estimate your replacement cost of your home in the 13118 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 13118

Best Home & Auto Insurance Agencies in 13118

Tregaskis, David - Tregaskis Agency

Address: 10 Central St Moravia, NY 13118
Phone:
Website: http://www.allstateagencies.com/068876/Welcome/
Info:

Housing Demographics for 13118

Population Review for 13118 Zip Code

For the city of Moravia, the population within 13118 has increased to over 4,790 residents in population size. The current population total is 5,849. We have broken down the population based on race below. In 13118, there are over 3337 in male population and 2512 females.

PopulationValues
Total Population5,849
White Population5021
Black Population432
Hispanic Population239
Asian Population15
Hawaiian Population3
Indian Population41
Other Population104
Male Population3337
Female Population2512
Population Estimate4790

Household Data for 13118

The average number of homes in 13118 is around 2,108, there are an average of 2.38 per household. The average house value according to local real estate values is around $140,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,108
Persons Per Household2.38
Average House Value$140,300
Income Per Household$62708
Median Age42.6
Median Age Male42.0
Median Age Female44.0
13118 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/680
CityMoravia
City Alias NameMORAVIA
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 Businesses94
Number Of Employees716
Business First Quarter Payroll7027
Business Annual Payroll32113
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 Residential2013
Delivery Business44
Delivery Total2488
Preferred Last Line KeyV14740
Classification Code
Multi-County
CSA NameSyracuse-Auburn, NY
CBSA_DIV_Name
City State KeyV14740
Land Area102.993000
Water Area1.039000
City Alias Code
City Mixed CaseMoravia
City Alias Mixed CaseMoravia
Box Count354
SFDU1813
MFDU45
State ANSI36
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number355470
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

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]