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13485 Home Insurance Rates & Premiums

Did you know there are over 1,349 people living within the 13485 zip code area? There are over 515 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 13485.

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 $1,011 a year for a standard homeowners insurance policy in West Edmeston. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: West Edmeston, NY Homeowners Insurance Quotes Online

13485 Home Insurance Average Premiums

Local 13485 homeowners insurance quotes comparison

$761 /yr.

Shows Zip Code: 13485 lowest rates with discounts applied on average.

For the 13485, 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)		$761 /yr.
Average Coverage:$1011 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1311 /yr.

What is the average home insurance cost for a home in 13485?

  • • The average homeowners insurance premium paid annually for a home in 13485 is around $1011 per year.

What does it cost on average per month for home insurance in 13485?

  • • Homeowners in 13485 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 13485?

  • • Autoowners in 13485 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 West Edmeston area, check out other zip codes nearby 13485.
Review average rates in another zip code:
13485 homeowners insurance rates

Home Replacement Cost Coverage in 13485

Average Building Cost Per Square Foot in 13485: $205

Location: West Edmeston, New York (Madison County)

Average Square Footage in 13485: 500 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13485 before you start any project. West Edmeston 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 13485 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 13485 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 500 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 West Edmeston 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$205500$102,400
Additional Upgrades & Added Features$256500$128,000
Major Home Updates or Advancements$308500$153,600

It's important to understand that when you estimate your replacement cost of your home in the 13485 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 13485

Best Home & Auto Insurance Agencies in 13485

Housing Demographics for 13485

Population Review for 13485 Zip Code

For the city of West Edmeston, the population within 13485 has increased to over 1,244 residents in population size. The current population total is 1,349. We have broken down the population based on race below. In 13485, there are over 687 in male population and 662 females.

PopulationValues
Total Population1,349
White Population1268
Black Population10
Hispanic Population25
Asian Population5
Hawaiian Population0
Indian Population1
Other Population6
Male Population687
Female Population662
Population Estimate1244

Household Data for 13485

The average number of homes in 13485 is around 515, there are an average of 2.62 per household. The average house value according to local real estate values is around $102,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode515
Persons Per Household2.62
Average House Value$102,400
Income Per Household$61076
Median Age40.2
Median Age Male41.5
Median Age Female38.6
13485 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/607
CityWest Edmeston
City Alias NameWEST EDMESTON
CountyMadison
County FIPS053
State FIPS36
Time Zone5
Day Light SavingY
MSA8160
PMSA
CSA532
CBSA45060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSyracuse, NY
MSA_NameSyracuse, NY MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees13
Business First Quarter Payroll69
Business Annual Payroll375
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population662577
CBSA Division Population0
Congressional District19|21|22
Congressional LandArea7937.02|15114.76|5077.45
Delivery Residential475
Delivery Business8
Delivery Total497
Preferred Last Line KeyV16881
Classification Code
Multi-CountyY
CSA NameSyracuse-Auburn, NY
CBSA_DIV_Name
City State KeyV16881
Land Area42.770000
Water Area0.143000
City Alias Code
City Mixed CaseWest Edmeston
City Alias Mixed CaseWest Edmeston
Box Count13
SFDU475
MFDU0
State ANSI36
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number359130
Unique ZIP Name
SSA State County Code33360
Medicare CBSA Code45060
Medicare CBSA NameSyracuse, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseMadison

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 […]

  • 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 […]