Get multiple home insurance quotes in 13661. Our licensed 13661, NY agents are ready to serve you.

Compare 13661 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 13661 area? The average homeowners premium in New York for a standard homeowners policy is around $1,028/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 13661 zip code, the population size is around 1,667 with 672 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 13661.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Mannsville, NY Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NY RateDiscountsSavingsShop Rates
$1,356up to 40% off$542

13661 Home Insurance Average Premiums

Local 13661 homeowners insurance quotes comparison

$778 /yr.

Shows Zip Code: 13661 lowest rates with discounts applied on average.

For the 13661, 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)
$778 /yr.
Average Coverage:$1028 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1328 /yr.

What is the average home insurance cost for a home in 13661?

  • • The average homeowners insurance premium paid annually for a home in 13661 is around $1028 per year.

What does it cost on average per month for home insurance in 13661?

  • • Homeowners in 13661 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 13661?

  • • Autoowners in 13661 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 Mannsville area, check out other zip codes nearby 13661.
Review average rates in another zip code:
13661 homeowners insurance rates

Home Replacement Cost Coverage in 13661

Average Building Cost Per Square Foot in 13661: $205

Location: Mannsville, New York (Jefferson County)

Average Square Footage in 13661: 596 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13661 before you start any project. Mannsville 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 13661 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 13661 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 596 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 Mannsville 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$205596$122,200
Additional Upgrades & Added Features$256596$152,750
Major Home Updates or Advancements$308596$183,300

It's important to understand that when you estimate your replacement cost of your home in the 13661 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 13661

Best Home & Auto Insurance Agencies in 13661

Housing Demographics for 13661

Population Review for 13661 Zip Code

For the city of Mannsville, the population within 13661 has increased to over 1,375 residents in population size. The current population total is 1,667. We have broken down the population based on race below. In 13661, there are over 838 in male population and 829 females.

PopulationValues
Total Population1,667
White Population1566
Black Population8
Hispanic Population33
Asian Population11
Hawaiian Population0
Indian Population3
Other Population7
Male Population838
Female Population829
Population Estimate1375

Household Data for 13661

The average number of homes in 13661 is around 672, there are an average of 2.46 per household. The average house value according to local real estate values is around $122,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode672
Persons Per Household2.46
Average House Value$122,200
Income Per Household$73690
Median Age41.2
Median Age Male40.9
Median Age Female41.6
13661 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315/680
CityMannsville
City Alias NameMANNSVILLE
CountyJefferson
County FIPS045
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA48060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWatertown-Fort Drum, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses27
Number Of Employees72
Business First Quarter Payroll684
Business Annual Payroll3583
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population116229
CBSA Division Population0
Congressional District24
Congressional LandArea2388.56
Delivery Residential559
Delivery Business11
Delivery Total677
Preferred Last Line KeyV14515
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV14515
Land Area45.330000
Water Area4.572000
City Alias Code
City Mixed CaseMannsville
City Alias Mixed CaseMannsville
Box Count89
SFDU559
MFDU0
State ANSI36
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number355025
Unique ZIP Name
SSA State County Code33330
Medicare CBSA Code48060
Medicare CBSA NameWatertown-Fort Drum, NY
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseJefferson

New York Homeowners Insurance News & Information

  • 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 […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]