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13431 Home Insurance Rates & Premiums

Did you know there are over 1,960 people living within the 13431 zip code area? There are over 728 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 13431.

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 $1,021 a year for a standard homeowners insurance policy in Poland. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Poland, NY Homeowners Insurance Quotes Online

13431 Home Insurance Average Premiums

Local 13431 homeowners insurance quotes comparison

$771 /yr.

Shows Zip Code: 13431 lowest rates with discounts applied on average.

For the 13431, 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)		$771 /yr.
Average Coverage:$1021 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1321 /yr.

What is the average home insurance cost for a home in 13431?

  • • The average homeowners insurance premium paid annually for a home in 13431 is around $1021 per year.

What does it cost on average per month for home insurance in 13431?

  • • Homeowners in 13431 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 13431?

  • • Autoowners in 13431 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 Poland area, check out other zip codes nearby 13431.
Review average rates in another zip code:
13431 homeowners insurance rates

Home Replacement Cost Coverage in 13431

Average Building Cost Per Square Foot in 13431: $205

Location: Poland, New York (Herkimer County)

Average Square Footage in 13431: 801 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13431 before you start any project. Poland 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 13431 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 13431 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 801 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 Poland 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$205801$164,200
Additional Upgrades & Added Features$256801$205,250
Major Home Updates or Advancements$308801$246,300

It's important to understand that when you estimate your replacement cost of your home in the 13431 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 13431

Best Home & Auto Insurance Agencies in 13431

Housing Demographics for 13431

Population Review for 13431 Zip Code

For the city of Poland, the population within 13431 has increased to over 1,695 residents in population size. The current population total is 1,960. We have broken down the population based on race below. In 13431, there are over 991 in male population and 969 females.

PopulationValues
Total Population1,960
White Population1847
Black Population13
Hispanic Population32
Asian Population7
Hawaiian Population3
Indian Population1
Other Population20
Male Population991
Female Population969
Population Estimate1695

Household Data for 13431

The average number of homes in 13431 is around 728, there are an average of 2.67 per household. The average house value according to local real estate values is around $164,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode728
Persons Per Household2.67
Average House Value$164,200
Income Per Household$78370
Median Age45.0
Median Age Male45.6
Median Age Female43.6
13431 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/680
CityPoland
City Alias NamePOLAND
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 Businesses40
Number Of Employees170
Business First Quarter Payroll1494
Business Annual Payroll7997
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|22
Congressional LandArea15114.76|5077.45
Delivery Residential635
Delivery Business8
Delivery Total889
Preferred Last Line KeyV15476
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyV15476
Land Area36.108000
Water Area0.404000
City Alias Code
City Mixed CasePoland
City Alias Mixed CasePoland
Box Count147
SFDU614
MFDU0
State ANSI36
County ANSI043
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number356665
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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    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 […]

  • 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 […]