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13303 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 13303 zip code it's important to know that our rates are very competitive for homeowners living in Ava, NY. Many homeowners based out of your 13303 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 13303 should appear in the zip code field ready to go. For Ava, NY Homeowners Insurance Quotes nearby, we offer the best rates and service.

13303: Average Home Insurance Rates

For homeowners living in the great city of Ava, the average homeowners policy is considered high in comparison to other states. New York premiums are estimated to be around $1010 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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13303 Home Insurance Average Premiums

Local 13303 homeowners insurance quotes comparison

$760 /yr.

Shows Zip Code: 13303 lowest rates with discounts applied on average.

For the 13303, 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)		$760 /yr.
Average Coverage:$1010 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1310 /yr.

What is the average home insurance cost for a home in 13303?

  • • The average homeowners insurance premium paid annually for a home in 13303 is around $1010 per year.

What does it cost on average per month for home insurance in 13303?

  • • Homeowners in 13303 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 13303?

  • • Autoowners in 13303 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 Ava area, check out other zip codes nearby 13303.
Review average rates in another zip code:
13303 homeowners insurance rates

Home Replacement Cost Coverage in 13303

Average Building Cost Per Square Foot in 13303: $205

Location: Ava, New York (Oneida County)

Average Square Footage in 13303: 641 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13303 before you start any project. Ava 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 13303 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 13303 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 641 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 Ava 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$205641$131,400
Additional Upgrades & Added Features$256641$164,250
Major Home Updates or Advancements$308641$197,100

It's important to understand that when you estimate your replacement cost of your home in the 13303 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 13303

Best Home & Auto Insurance Agencies in 13303

Allstate Insurance Company - Michael J Garcia

Address: 510 Erie Boulevard West Rome, NY 13303
Phone:
Website: http://www.allstateagencies.com/047989?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 13303

Population Review for 13303 Zip Code

For the city of Ava, the population within 13303 has increased to over 1,064 residents in population size. The current population total is 1,140. We have broken down the population based on race below. In 13303, there are over 607 in male population and 533 females.

PopulationValues
Total Population1,140
White Population1099
Black Population3
Hispanic Population10
Asian Population12
Hawaiian Population0
Indian Population1
Other Population0
Male Population607
Female Population533
Population Estimate1064

Household Data for 13303

The average number of homes in 13303 is around 490, there are an average of 2.33 per household. The average house value according to local real estate values is around $131,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode490
Persons Per Household2.33
Average House Value$131,400
Income Per Household$75469
Median Age45.0
Median Age Male45.5
Median Age Female43.6
13303 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315
CityAva
City Alias NameAVA
CountyOneida
County FIPS065
State FIPS36
Time Zone5
Day Light SavingY
MSA8680
PMSA
CSA
CBSA46540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameUtica-Rome, NY
MSA_NameUtica-Rome, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees6
Business First Quarter Payroll115
Business Annual Payroll490
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population299397
CBSA Division Population0
Congressional District22
Congressional LandArea5077.45
Delivery Residential457
Delivery Business0
Delivery Total541
Preferred Last Line KeyV11997
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV11997
Land Area34.554000
Water Area0.038000
City Alias Code
City Mixed CaseAva
City Alias Mixed CaseAva
Box Count39
SFDU442
MFDU0
State ANSI36
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number350400
Unique ZIP Name
SSA State County Code33510
Medicare CBSA Code46540
Medicare CBSA NameUtica-Rome, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseOneida

New York Homeowners Insurance News & Information

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    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 […]