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13424 Home Insurance Quotes & Rates

Currently, the 925 homes within the 13424 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for New York is around $990 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Oriskany, NY, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 13424.

New York is now ranking #16 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Oriskany home insurance quotes all in one place then GetHomeInsuranceQuotes.com of New York has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 13424 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Oriskany, New York home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Oriskany, NY Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

13424 Home Insurance Average Premiums

Local 13424 homeowners insurance quotes comparison

$740 /yr.

Shows Zip Code: 13424 lowest rates with discounts applied on average.

For the 13424, 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)
$740 /yr.
Average Coverage:$990 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1290 /yr.

What is the average home insurance cost for a home in 13424?

  • • The average homeowners insurance premium paid annually for a home in 13424 is around $990 per year.

What does it cost on average per month for home insurance in 13424?

  • • Homeowners in 13424 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 13424?

  • • Autoowners in 13424 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 Oriskany area, check out other zip codes nearby 13424.
Review average rates in another zip code:
13424 homeowners insurance rates

Home Replacement Cost Coverage in 13424

Average Building Cost Per Square Foot in 13424: $205

Location: Oriskany, New York (Oneida County)

Average Square Footage in 13424: 776 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13424 before you start any project. Oriskany 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 13424 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 13424 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 776 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 Oriskany 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$205776$159,100
Additional Upgrades & Added Features$256776$198,875
Major Home Updates or Advancements$308776$238,650

It's important to understand that when you estimate your replacement cost of your home in the 13424 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 13424

Best Home & Auto Insurance Agencies in 13424

Housing Demographics for 13424

Population Review for 13424 Zip Code

For the city of Oriskany, the population within 13424 has increased to over 1,649 residents in population size. The current population total is 2,450. We have broken down the population based on race below. In 13424, there are over 1253 in male population and 1197 females.

PopulationValues
Total Population2,450
White Population2186
Black Population101
Hispanic Population92
Asian Population18
Hawaiian Population0
Indian Population8
Other Population13
Male Population1253
Female Population1197
Population Estimate1649

Household Data for 13424

The average number of homes in 13424 is around 925, there are an average of 2.34 per household. The average house value according to local real estate values is around $159,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode925
Persons Per Household2.34
Average House Value$159,100
Income Per Household$65875
Median Age40.3
Median Age Male38.2
Median Age Female42.8
13424 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/680
CityOriskany
City Alias NameORISKANY
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 Businesses76
Number Of Employees3433
Business First Quarter Payroll84180
Business Annual Payroll234586
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 Residential705
Delivery Business51
Delivery Total1345
Preferred Last Line KeyV15242
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15242
Land Area12.017000
Water Area0.000000
City Alias Code
City Mixed CaseOriskany
City Alias Mixed CaseOriskany
Box Count219
SFDU634
MFDU46
State ANSI36
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number356220
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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