Gavop tells you how to get the best homeowners insurance in Oneida, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $88,000 | $70,000 | $100,000-$125,000 |
| 3 Bedroom | $103,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $125,500 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $104,000 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $826 |
| Superior Protection Discount | -$96 | $864 |
| Fire & Security Discount | -$86 | $874 |
| Hail Resistant Roof Discount | -$19 | $941 |
| Newly Constructed Home Discount | -$269 | $691 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Madison County | $1,500 | $1,180 | $2,680 | $857 | $2,357 | $322 |
| Oneida, NY | $2,500 | $948 | $3,448 | $689 | $3,189 | $259 |
| Lee, NY | $300 | $948 | $1,248 | $689 | $989 | $259 |
| New Hartford, NY | $1,500 | $601 | $2,101 | $437 | $1,937 | $164 |
| Truxton, NY | $300 | $595 | $895 | $432 | $732 | $163 |
| Prospect, NY | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| Sand Ridge, NY | $500 | $589 | $1,089 | $428 | $928 | $161 |
| Otisco, NY | $700 | $683 | $1,383 | $496 | $1,196 | $187 |
| German, NY | $400 | $584 | $984 | $424 | $824 | $160 |
| New Haven, NY | $1,500 | $584 | $2,084 | $424 | $1,924 | $160 |
| Lacona, NY | $300 | $585 | $885 | $425 | $725 | $160 |
| Otego, NY | $1,000 | $610 | $1,610 | $443 | $1,443 | $167 |
| Home Insurance Company Oneida, NY | Homeowners Insurance Agency Oneida, NY | Address | Popularity Score | Distance from Oneida (miles) |
|---|---|---|---|---|
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd, Whitesboro, NY, 13492 | 19.5 | |
| Allstate | John L Spencer Ii | 6585 Kinne Rd, De Witt, NY, 13214 | 19.9 | |
| Allstate | Kristy Garcia | 146 Genesee St, New Hartford, NY, 13413 | 18.9 | |
| Allstate | Cathleen Fournier | 86 Meadow St, Clinton, NY, 13323 | 14.5 | |
| Allstate | Bailey & Haskell | 169 Main St, Oneida, NY, 13421 | 2.0 | |
| State Farm | John Ivory | 323 Nottingham Road, Syracuse, NY, 13210-3453 | 22.4 | |
| Liberty Mutual Independent | Bergan And Young Inc | 34 Mary St, Auburn, NY, 13021 | 46.0 | |
| Liberty Mutual Independent | The Armada Insurance Agency L | 29 W Park Row, Clinton, NY, 13323 | 15.0 | |
| Travelers | Todd C Roberts & Assoc Inc | 131 Sherill Rd, Sherrill, NY, 13461 | 3.8 | |
| State Farm | Cindy Jackson | 3680 Erie Blvd E, Syracuse, NY, 13214-1702 | 20.0 |
| 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 | $850 | $1,650 | $800 |
| Madison County, NY | $132,800 | $1,194 | $870 | $1,650 | $780 |
| Oneida, NY | $110,000 | $960 | $700 | $1,320 | $620 |
| Lee, NY | $129,800 | $960 | $700 | $1,320 | $620 |
| New Hartford, NY | $155,600 | $608 | $440 | $840 | $400 |
| Truxton, NY | $118,800 | $602 | $430 | $850 | $420 |
| Prospect, NY | $95,200 | $590 | $430 | $810 | $380 |
| Sand Ridge, NY | $72,700 | $596 | $410 | $850 | $440 |
| Otisco, NY | $172,300 | $691 | $500 | $960 | $460 |
| German, NY | $84,600 | $591 | $430 | $850 | $420 |
| New Haven, NY | $84,500 | $591 | $410 | $850 | $440 |
| Lacona, NY | $103,800 | $592 | $430 | $820 | $390 |
| Otego, NY | $132,400 | $617 | $410 | $850 | $440 |