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Compare 13435 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Prospect just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 118 neighbors looking to save on their home insurance policy in the local 13435 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 13435. 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 Prospect, 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 Prospect, NY

13435 Home Insurance Average Premiums

Local 13435 homeowners insurance quotes comparison

$786 /yr.

Shows Zip Code: 13435 lowest rates with discounts applied on average.

For the 13435, 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)		$786 /yr.
Average Coverage:$1036 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1336 /yr.

What is the average home insurance cost for a home in 13435?

  • • The average homeowners insurance premium paid annually for a home in 13435 is around $1036 per year.

What does it cost on average per month for home insurance in 13435?

  • • Homeowners in 13435 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 13435?

  • • Autoowners in 13435 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 Prospect area, check out other zip codes nearby 13435.
Review average rates in another zip code:
13435 homeowners insurance rates

Home Replacement Cost Coverage in 13435

Average Building Cost Per Square Foot in 13435: $205

Location: Prospect, New York (Oneida County)

Average Square Footage in 13435: 553 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13435 before you start any project. Prospect 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 13435 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 13435 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 553 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 Prospect 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$205553$113,300
Additional Upgrades & Added Features$256553$141,625
Major Home Updates or Advancements$308553$169,950

It's important to understand that when you estimate your replacement cost of your home in the 13435 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 13435

Best Home & Auto Insurance Agencies in 13435

Housing Demographics for 13435

Population Review for 13435 Zip Code

For the city of Prospect, the population within 13435 has increased to over 0 residents in population size. The current population total is 248. We have broken down the population based on race below. In 13435, there are over 137 in male population and 111 females.

PopulationValues
Total Population248
White Population228
Black Population0
Hispanic Population2
Asian Population1
Hawaiian Population0
Indian Population0
Other Population0
Male Population137
Female Population111
Population Estimate0

Household Data for 13435

The average number of homes in 13435 is around 118, there are an average of 2.10 per household. The average house value according to local real estate values is around $113,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode118
Persons Per Household2.10
Average House Value$113,300
Income Per Household$54500
Median Age51.8
Median Age Male47.6
Median Age Female58.3
13435 DetailsValues
StateNY
State Full NameNew York
City TypeZ
City Alias Abbreviation
Area Code315
CityProspect
City Alias NamePROSPECT
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 Businesses8
Number Of Employees29
Business First Quarter Payroll91
Business Annual Payroll462
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 Residential0
Delivery Business0
Delivery Total161
Preferred Last Line KeyV15555
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15555
Land Area0.430000
Water Area0.012000
City Alias Code
City Mixed CaseProspect
City Alias Mixed CaseProspect
Box Count140
SFDU0
MFDU0
State ANSI36
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number356835
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 […]