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Compare 13357 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Ilion just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 4,366 neighbors looking to save on their home insurance policy in the local 13357 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 13357. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best New York rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Ilion, NY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Ilion, NY

13357 Home Insurance Average Premiums

Local 13357 homeowners insurance quotes comparison

$779 /yr.

Shows Zip Code: 13357 lowest rates with discounts applied on average.

For the 13357, 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)
$779 /yr.
Average Coverage:$1029 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1329 /yr.

What is the average home insurance cost for a home in 13357?

  • • The average homeowners insurance premium paid annually for a home in 13357 is around $1029 per year.

What does it cost on average per month for home insurance in 13357?

  • • Homeowners in 13357 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 13357?

  • • Autoowners in 13357 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 Ilion area, check out other zip codes nearby 13357.
Review average rates in another zip code:
13357 homeowners insurance rates

Home Replacement Cost Coverage in 13357

Average Building Cost Per Square Foot in 13357: $205

Location: Ilion, New York (Herkimer County)

Average Square Footage in 13357: 403 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13357 before you start any project. Ilion 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 13357 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 13357 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 403 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 Ilion 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$205403$82,700
Additional Upgrades & Added Features$256403$103,375
Major Home Updates or Advancements$308403$124,050

It's important to understand that when you estimate your replacement cost of your home in the 13357 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 13357

Best Home & Auto Insurance Agencies in 13357

Housing Demographics for 13357

Population Review for 13357 Zip Code

For the city of Ilion, the population within 13357 has increased to over 10,394 residents in population size. The current population total is 10,330. We have broken down the population based on race below. In 13357, there are over 5104 in male population and 5226 females.

PopulationValues
Total Population10,330
White Population9326
Black Population181
Hispanic Population300
Asian Population52
Hawaiian Population5
Indian Population10
Other Population66
Male Population5104
Female Population5226
Population Estimate10394

Household Data for 13357

The average number of homes in 13357 is around 4,366, there are an average of 2.33 per household. The average house value according to local real estate values is around $82,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,366
Persons Per Household2.33
Average House Value$82,700
Income Per Household$60908
Median Age42.4
Median Age Male40.9
Median Age Female43.8
13357 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/680
CityIlion
City Alias NameILION
CountyHerkimer
County FIPS043
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 Businesses117
Number Of Employees985
Business First Quarter Payroll6908
Business Annual Payroll33798
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 District21
Congressional LandArea15114.76
Delivery Residential4461
Delivery Business148
Delivery Total4773
Preferred Last Line KeyV13999
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV13999
Land Area29.550000
Water Area0.142000
City Alias Code
City Mixed CaseIlion
City Alias Mixed CaseIlion
Box Count125
SFDU3731
MFDU286
State ANSI36
County ANSI043
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number354085
Unique ZIP Name
SSA State County Code33320
Medicare CBSA Code46540
Medicare CBSA NameUtica-Rome, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseHerkimer

New York Homeowners Insurance News & Information

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    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 […]