Ava, NY Home Insurance Quotes!

Within the Oneida County region, Ava, NY has a total population size of 2,306. Homeowners looking for home insurance quotes in this area have found very affordable rates with GetHomeInsuranceQuotes.com saving some in upwards of 55% with rates as low as $789 per year. There are over 936 homes in Ava that are currently owned and occupied. Our services allow us to shop and compare up to 12 rates and coverage options. Our online home insurance quoting system allows us to easily do the shopping for you at no cost, that's right, it's free. You can easily get multiple quotes today by entering your zip code and compare the most competitive New York rates available or give us a call now at 1-855-976-2656.

Ava, NY Housing & City Data

Source	Value
Location:	Ava, NY (ONEIDA County)
Population:	2,306
Occupied Residents:	936
Average Real Estate Value Per Zip Code:	$149,500

Average Ava Home Insurance Rate Quotes

A common question that many Ava homeowners are asking, is "What's the average annual rate for homeowners in Ava, NY?" In other words, what is my neighbor paying for insurance and how can I save more money on my home insurance cost every month. The answer is easy, for homeowners living in Ava, we see an overall average of $1,039 per year. Now based on this "average", your rates could be 40% lower if we compare with multiple carriers and apply all the discounts and package options available to you. We have seen rates as low as $789 per year. At GetHomeInsuranceQuotes.com, we save you time and money by shopping all these rates for you. When comparing rates, it's also important to know that the average premium paid by homeowners within the United States is $1,311 paid annually.

In order to gain an understanding of how your rate will be compiled, we have listed a few helpful resources to help you understand replacement cost value, home insurance credits and home features that help discount your premium.

Top 5 Helpful Saving Resources

This home insurance calculator will calculate your dwelling coverage for your home in Ava, NY so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in New York
Installing smoke detectors, a security system and getting the same home and auto policy with the same carrier is a good start but to really kick-start your home insurance savings you have to dig a bit deeper. Here are the top 3 home insurance credits available to homeowners.
FAQ: What is a Ava, NY Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Ava, NY?

Compare Homeowners Insurance Rates in Ava, NY!

Get up to 12 competitive Ava, NY homeowners insurance rates all in one place!

Average Rates Nearby Ava

Are you looking for homeowners insurance in a city near Ava? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Ava, NY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Ava.

13303,

Ava, NY Home Insurance Average Premiums

Local Ava, NY home insurance quotes comparison

$789 /yr.

Shows Ava's lowest average rates with discounts applied.

For the city of Ava, 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)	$789 /yr.
Average Coverage:	$1039 /yr.
2600 sq. ft. or higher (all discounts applied)	$1339 /yr.

What is the average home insurance cost for a home in Ava, NY?

• The average homeowners insurance premium paid annually for a home in Ava is around $1039 per year.

What does it cost on average per month for home insurance in Ava, NY?

• Homeowners in Ava pay an average cost per month around $87.00 for insurance coverage.

Ava, NY - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

Homeowners insurance will help cover the cost to repair or replace your Ava home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Ava
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Ava, NY homeowners insurance rates all in one place!

Saving Money Tips on Ava Home Insurance

A great way to save money on Ava homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Ava area? Check out what homeowners are paying on average for New York homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1054 ft.	This is the average home elevation in Ava, NY	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New York flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Ava, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Oneida County.

New York Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

Ava, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Ava so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Ava, NY?

- The average square footage in Ava is around 729 Sq. Ft. which would cost you around $149,500 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $149,500

Location: Ava, New York (Oneida County)

Average Building Cost Per Square Foot in Ava: $205 (low end)

Average Square Footage in Ava: 729 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$205	$149,500
Some Additional Upgrades	$256	$186,875
Major Home Updates or Advancements	$308	$224,250

Calculate Your Ava, NY Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($205) in Ava, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.