Utica, NY Homeowners Insurance - How To Buy Guide

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

Choose the Best Utica, NY Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 600-649 Credit Score >$150,000 1 Pet, Smoker $600
Part Time Job 650-699 Credit Score <$25,000 No Pets, Non-Smoker $70
Retired 700-749 Credit Score $25 to 50,000 More than 3 Pets at home, Smoker $600

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 $295,300 $1,570 $1,080 $2,250 $1,170
Oneida County, NY $108,600 $470 $320 $650 $330
Utica, NY $88,400 $420 $290 $600 $310
Richfield, NY $97,500 $480 $350 $690 $340
Ephratah, NY $81,300 $450 $320 $630 $310
Lyonsdale, NY $79,700 $410 $300 $570 $270
New Berlin, NY $94,700 $450 $320 $640 $320
Lyons Falls, NY $81,700 $420 $300 $580 $280
Caroga Lake, NY $91,000 $390 $280 $530 $250
Otselic, NY $78,800 $440 $300 $610 $310
Mohawk, NY $130,700 $640 $440 $910 $470
Gloversville, NY $75,900 $330 $240 $450 $210
Richmondville, NY $155,600 $780 $520 $1,070 $550

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

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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.


Date: June 01, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Female

Customer Service
I would rate the customer service of GEICO 4 out of 5. If I need to call them for whatever reason I have never waited longer than 10 minutes to reach a representative.

7 Discounts to Lower Your Utica ,NY Homeowners Insurance Costs