Gavop shows you how to buy homeowners insurance in New Hartford, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $111,500 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $115,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $214,500 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $147,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $511 |
| Superior Protection Discount | -$55 | $553 |
| Fire & Security Discount | -$49 | $560 |
| Hail Resistant Roof Discount | -$12 | $596 |
| Newly Constructed Home Discount | -$176 | $432 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,488 |
| Hail Damage | $4,618 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $17,389 |
| Home Insurance Company New Hartford, NY | Homeowners Insurance Agency New Hartford, NY | Address | Popularity Score | Distance from New Hartford (miles) |
|---|---|---|---|---|
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd Ste 4w, Whitesboro, NY, 13492 | 4.3 | |
| Travelers | Masterpole Murphy Agency Inc | 1524 W Fayette St, Syracuse, NY, 13204 | 45.6 | |
| Travelers | Donna M Lavigne Agency | 11 Main St, Cobleskill, NY, 12043 | 48.2 | |
| State Farm | Jim Lemessurier | 4922 West Seneca Turnpike, Syracuse, NY, 13215-2225 | 45.4 | |
| Liberty Mutual Independent | Paul Chapman Insurance Agency Inc. | 1758 Burrstone Rd, New Hartford, NY, 13413 | 2.5 | |
| Travelers | The Loughlin Agency Inc | 239 Genesee St Ste 127, Utica, NY, 13501 | 3.8 | |
| Allstate | Frederick Northup | 105 W Main St, Ilion, NY, 13357 | 12.6 | |
| Travelers | Sefcu Insurance Agency | 569 Main St Ste 1, Cobleskill, NY, 12043 | 48.2 | |
| Allstate | Drickard Insurance | 4 S Washington Ave Ste 1, Oxford, NY, 13830 | 45.5 | |
| Allstate | Elaine T. Genovese | 135 Oriskany Blvd, Whitesboro, NY, 13492 | 4.3 |
| 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 | $790 | $1,610 | $820 |
| Oneida County, NY | $120,000 | $1,215 | $890 | $1,730 | $840 |
| New Hartford, NY | $155,600 | $608 | $410 | $870 | $460 |
| Floyd, NY | $121,500 | $604 | $420 | $830 | $410 |
| German Flatts, NY | $82,500 | $968 | $660 | $1,330 | $670 |
| Stark, NY | $95,900 | $590 | $420 | $840 | $420 |
| Lebanon, NY | $121,300 | $604 | $400 | $860 | $460 |
| Oppenheim, NY | $88,900 | $590 | $410 | $810 | $400 |
| Forestport, NY | $124,300 | $607 | $430 | $870 | $440 |
| Westford, NY | $139,000 | $626 | $430 | $890 | $460 |
| Schenevus, NY | $102,300 | $592 | $400 | $810 | $410 |
| Bleecker, NY | $140,800 | $628 | $420 | $900 | $480 |
| Martinsburg, NY | $99,700 | $591 | $400 | $810 | $410 |