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13348 Home Insurance Rates
For homeowners living in 13348, the population estimates are increasing to well over 1,323 with 558 occupied homes within the zip code of 13348. 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 Hartwick have increased and the average home insurance premium is around $1,010 per year in 13348. 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 13348 zip code today so we can help you find affordable Hartwick, NY home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 13348
Please select one of the three options below based on your 13348 zip code to learn more about New York homeowners insurance, plus review average rates and information per state, county or city.
- New York Homeowners Insurance Quotes
- Otsego County, NY Home Insurance
- Hartwick, NY Home Insurance Quotes
13348 Average Home Insurance Rating Cost is: High!
Getting cheaper homeowners insurance in the 13348 zip code just got easier with GetHomeInsuranceQuotes.com of Hartwick, 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 13348 today and let us help you review the best home insurance quotes available for homeowners living in Hartwick.
13348 Home Insurance Average Premiums
$760 /yr.
Shows Zip Code: 13348 lowest rates with discounts applied on average.
For the 13348, 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 13348?
- • The average homeowners insurance premium paid annually for a home in 13348 is around $1010 per year.
What does it cost on average per month for home insurance in 13348?
- • Homeowners in 13348 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 13348?
- • Autoowners in 13348 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 Hartwick area, check out other zip codes nearby 13348.
Review average rates in another zip code:
13348 homeowners insurance rates
Home Replacement Cost Coverage in 13348
Average Building Cost Per Square Foot in 13348: $205
Location: Hartwick, New York (Otsego County)Average Square Footage in 13348: 748 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 13348 before you start any project. Hartwick 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 13348 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 13348 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 748 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 Hartwick 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $205 | 748 | $153,300 |
| Additional Upgrades & Added Features | $256 | 748 | $191,625 |
| Major Home Updates or Advancements | $308 | 748 | $229,950 |
It's important to understand that when you estimate your replacement cost of your home in the 13348 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 13348
Best Home & Auto Insurance Agencies in 13348
Housing Demographics for 13348
Population Review for 13348 Zip Code
For the city of Hartwick, the population within 13348 has increased to over 1,189 residents in population size. The current population total is 1,323. We have broken down the population based on race below. In 13348, there are over 656 in male population and 667 females.
| Population | Values |
|---|---|
| Total Population | 1,323 |
| White Population | 1218 |
| Black Population | 3 |
| Hispanic Population | 27 |
| Asian Population | 13 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 12 |
| Male Population | 656 |
| Female Population | 667 |
| Population Estimate | 1189 |
Household Data for 13348
The average number of homes in 13348 is around 558, there are an average of 2.37 per household. The average house value according to local real estate values is around $153,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 558 |
| Persons Per Household | 2.37 |
| Average House Value | $153,300 |
| Income Per Household | $71468 |
| Median Age | 44.1 |
| Median Age Male | 45.3 |
| Median Age Female | 43.7 |
| 13348 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 607 |
| City | Hartwick |
| City Alias Name | HARTWICK |
| County | Otsego |
| County FIPS | 077 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 36580 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Oneonta, NY |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 26 |
| Number Of Employees | 105 |
| Business First Quarter Payroll | 995 |
| Business Annual Payroll | 5256 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 62259 |
| CBSA Division Population | 0 |
| Congressional District | 19|21 |
| Congressional LandArea | 7937.02|15114.76 |
| Delivery Residential | 502 |
| Delivery Business | 10 |
| Delivery Total | 719 |
| Preferred Last Line Key | V13786 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | V13786 |
| Land Area | 35.717000 |
| Water Area | 0.091000 |
| City Alias Code | |
| City Mixed Case | Hartwick |
| City Alias Mixed Case | Hartwick |
| Box Count | 130 |
| SFDU | 502 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 077 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 353655 |
| Unique ZIP Name | |
| SSA State County Code | 33570 |
| Medicare CBSA Code | 99933 |
| Medicare CBSA Name | Rural Areas in NY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 7 |
| County Mixed Case | Otsego |
New York Homeowners Insurance News & Information
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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 […]
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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 […]
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$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 […]