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Compare 13488 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Westford just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 75 neighbors looking to save on their home insurance policy in the local 13488 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 13488. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best New York rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Westford, NY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Westford, NY

13488 Home Insurance Average Premiums

Local 13488 homeowners insurance quotes comparison

$983 /yr.

Shows Zip Code: 13488 lowest rates with discounts applied on average.

For the 13488, 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)
$983 /yr.
Average Coverage:$1233 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1533 /yr.

What is the average home insurance cost for a home in 13488?

  • • The average homeowners insurance premium paid annually for a home in 13488 is around $1233 per year.

What does it cost on average per month for home insurance in 13488?

  • • Homeowners in 13488 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 13488?

  • • Autoowners in 13488 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Westford, check out other zip codes nearby 13488.
To review average rates in another zip code, click on a zip code below:

Home Replacement Cost Coverage in 13488

Average Building Cost Per Square Foot in 13488: $205

Location: Westford, New York (Otsego County)

Average Square Footage in 13488: 444 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13488 before you start any project. Westford homeowners pay on average around $205 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 13488 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 13488 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 444 sq. ft. and the average cost to rebuild the home in this area is around $205 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Westford area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$205444$91,100
Additional Upgrades & Added Features$256444$113,875
Major Home Updates or Advancements$308444$136,650

It's important to understand that when you estimate your replacement cost of your home in the 13488 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 13488

Best Home & Auto Insurance Agencies in 13488

Housing Demographics for 13488

Population Review for 13488 Zip Code

For the city of Westford, the population within 13488 has increased to over 103 residents in population size. The current population total is 138. We have broken down the population based on race below. In 13488, there are over 77 in male population and 61 females.

PopulationValues
Total Population138
White Population133
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population1
Male Population77
Female Population61
Population Estimate103

Household Data for 13488

The average number of homes in 13488 is around 75, there are an average of 1.84 per household. The average house value according to local real estate values is around $91,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode75
Persons Per Household1.84
Average House Value$91,100
Income Per Household$44375
Median Age50.5
Median Age Male55.9
Median Age Female40.5
13488 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code607
CityWestford
City Alias NameWESTFORD
CountyOtsego
County FIPS077
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA36580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameOneonta, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population62259
CBSA Division Population0
Congressional District21
Congressional LandArea15114.76
Delivery Residential56
Delivery Business1
Delivery Total136
Preferred Last Line KeyV16974
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV16974
Land Area4.844000
Water Area0.000000
City Alias Code
City Mixed CaseWestford
City Alias Mixed CaseWestford
Box Count68
SFDU56
MFDU0
State ANSI36
County ANSI077
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number359160
Unique ZIP Name
SSA State County Code33570
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseOtsego

New York Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]