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13318 Home Insurance Rates & Premiums

Did you know there are over 1,306 people living within the 13318 zip code area? There are over 479 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 13318.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $1,007 a year for a standard homeowners insurance policy in Cassville. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Cassville, NY Homeowners Insurance Quotes Online

13318 Home Insurance Average Premiums

Local 13318 homeowners insurance quotes comparison

$757 /yr.

Shows Zip Code: 13318 lowest rates with discounts applied on average.

For the 13318, 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)		$757 /yr.
Average Coverage:$1007 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1307 /yr.

What is the average home insurance cost for a home in 13318?

  • • The average homeowners insurance premium paid annually for a home in 13318 is around $1007 per year.

What does it cost on average per month for home insurance in 13318?

  • • Homeowners in 13318 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 13318?

  • • Autoowners in 13318 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 Cassville area, check out other zip codes nearby 13318.
Review average rates in another zip code:
13318 homeowners insurance rates

Home Replacement Cost Coverage in 13318

Average Building Cost Per Square Foot in 13318: $205

Location: Cassville, New York (Oneida County)

Average Square Footage in 13318: 707 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13318 before you start any project. Cassville 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 13318 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 13318 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 707 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 Cassville 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$205707$144,900
Additional Upgrades & Added Features$256707$181,125
Major Home Updates or Advancements$308707$217,350

It's important to understand that when you estimate your replacement cost of your home in the 13318 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 13318

Best Home & Auto Insurance Agencies in 13318

Housing Demographics for 13318

Population Review for 13318 Zip Code

For the city of Cassville, the population within 13318 has increased to over 1,288 residents in population size. The current population total is 1,306. We have broken down the population based on race below. In 13318, there are over 628 in male population and 678 females.

PopulationValues
Total Population1,306
White Population1151
Black Population13
Hispanic Population61
Asian Population3
Hawaiian Population1
Indian Population2
Other Population48
Male Population628
Female Population678
Population Estimate1288

Household Data for 13318

The average number of homes in 13318 is around 479, there are an average of 2.73 per household. The average house value according to local real estate values is around $144,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode479
Persons Per Household2.73
Average House Value$144,900
Income Per Household$76295
Median Age40.7
Median Age Male38.4
Median Age Female42.5
13318 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315
CityCassville
City Alias NameCASSVILLE
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 Businesses11
Number Of Employees31
Business First Quarter Payroll181
Business Annual Payroll976
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 Residential472
Delivery Business8
Delivery Total515
Preferred Last Line KeyV12444
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV12444
Land Area24.636000
Water Area0.017000
City Alias Code
City Mixed CaseCassville
City Alias Mixed CaseCassville
Box Count29
SFDU472
MFDU0
State ANSI36
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number351250
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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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    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 […]