How Can I Make My Utica, NY Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Utica, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Utica, NY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $47,000 $40,000 $25,000-$50,000
2 Bedroom $73,500 $70,000 $50,000-$75,000
3 Bedroom $128,500 $110,000 $100,000-$125,000
4 Bedroom $192,000 $160,000 $200,000-$250,000
5 Bedroom $126,500 $100,000 $125,000-$150,000

Estimate your Savings with Home Insurance Discounts in Utica, NY | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$170 $1,045
Superior Protection Discount -$122 $1,094
Fire & Security Discount -$85 $1,130
Hail Resistant Roof Discount -$24 $1,191
Newly Constructed Home Discount -$292 $924

Choose your Utica, NY Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $6,276
Physical Damage $2,440
Hail Damage $4,524
Wind Damage $6,178
Expensive Claims
Fire $45,570
Smoke $15,884

Identify Top Home Insurance Agents near Utica, NY | Back to Top

Home Insurance Company Utica, NY Homeowners Insurance Agency Utica, NY Address Popularity Score Distance from Utica (miles)
Allstate Bieritz Agency 209 Main St, Cooperstown, NY, 13326
31.1
Allstate Matthew Dziedzic 7 W Whitesboro St, Yorkville, NY, 13495
2.5
Travelers Hughson & Benson Associates 326 Main St, Oneonta, NY, 13820
45.0
Travelers The Loughlin Agency Inc 239 Genesee St Ste 127, Utica, NY, 13501
0.5
Farmers Thomas Trevvett 2400 Genesee St, Utica, NY, 13502
2.5
Travelers Eastern Shore Associates 401 S Main St , North Syracuse, NY, 13212
45.9
Travelers Lefkowitz Martin & Co Inc 251 Bleecker St, Utica, NY, 13501
0.3
Allstate Elaine T. Genovese 135 Oriskany Blvd, Whitesboro, NY, 13492
3.8
State Farm Glenn Carr 3985 Oneida St Ste 202, New Hartford, NY, 13413-9733
3.6
State Farm Rick Harmon 100 Intrepid Ln Ste 3, Syracuse, NY, 13205-2546
46.2

Compare Rates for Utica, NY Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
New York $293,000 $1,164 $830 $1,610 $780
Oneida County, NY $120,000 $1,215 $810 $1,740 $930
Utica, NY $89,400 $1,215 $860 $1,710 $850
Richfield, NY $118,000 $601 $430 $850 $420
Ephratah, NY $92,300 $590 $410 $840 $430
Lyonsdale, NY $84,500 $591 $400 $820 $420
New Berlin, NY $84,700 $591 $400 $820 $420
Lyons Falls, NY $94,300 $590 $430 $820 $390
Caroga Lake, NY $133,500 $618 $440 $850 $410
Otselic, NY $76,800 $594 $400 $820 $420
Mohawk, NY $128,200 $611 $430 $850 $420
Gloversville, NY $77,400 $952 $680 $1,310 $630
Richmondville, NY $150,500 $645 $430 $900 $470

Research Home Insurance Companies Reviews in Utica, NY Before Buying | Back to Top

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Erie Insurance Home Insurance Reviews

Date: August 16, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Customer Service
I have not had to deal with my insurance company's customer service very often, perhaps once in the past 10 years. At that time they were extremely helpful in answering questions and providing advice.

State Farm Home Insurance Reviews

Date: October 13, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I'd give them a 5 based on my experience so far with customer service. They've been very helpful and friendly and made the process for me simple.

GEICO Home Insurance Reviews

Date: July 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
It is pretty identical to other providers as far as I can tell. I haven't researched this in years though.


USAA Home Insurance Reviews

Date: October 22, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
My deductible and premiums are fairly low, considering how much coverage is offered. While I wish it were less, it's still less than competitors.

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