Get Harford, NY Home Insurance Rates!

Getting lower homeowners insurance rates and comparing premium cost just got easier for customers at GetHomeInsuranceQuotes.com. We not only help you shop and compare prices against other carriers, but we also help you compare your current premium with average rates in New York. Harford homeowners are interested in what the average rates are for a basic policy in Cortland County. New York may not be considered the most expensive state in the country to purchase homeowners insurance, because it does rank higher than average at a national rank of 16. Homeowners of Harford, NY currently pay $1356 annually for a standard HO-3 policy on average, where the majority of the United States home insurance premiums are estimated to be around $1311. When we shop and compare up to 12 rates for you it is likely to expect a range of quoting and coverage options that may be as low as $1,084.80 to $1,627.20 or higher depending on the replacement cost coverage of your home, the deductible plan and the discounts that we can apply to help you save a little extra every month. It's not uncommon with all discounts applied including a home and auto package that savings can be in the range of up to 40% or more. Easily discover more affordable Harford home insurance rates today for your home. Shop online or give us a call now: 1-855-976-2656.

Harford Demographics & Housing Facts

Source	Value
Location:	Harford, NY (CORTLAND County)
Population:	172
Occupied Residents:	72
Average Real Estate Value Per Zip Code:	$77,500

Compare Homeowners Insurance Rates in Harford, NY!

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Average Rates Nearby Harford

Are you looking for homeowners insurance in a city near Harford? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Harford, NY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Harford.

13784,

Harford, NY Home Insurance Average Premiums

Local Harford, NY home insurance quotes comparison

$771 /yr.

Shows Harford's lowest average rates with discounts applied.

For the city of Harford, 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)	$771 /yr.
Average Coverage:	$1021 /yr.
2600 sq. ft. or higher (all discounts applied)	$1321 /yr.

What is the average home insurance cost for a home in Harford, NY?

• The average homeowners insurance premium paid annually for a home in Harford is around $1021 per year.

What does it cost on average per month for home insurance in Harford, NY?

• Homeowners in Harford pay an average cost per month around $85.00 for insurance coverage.

Harford, NY - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

Homeowners insurance will help cover the cost to repair or replace your Harford home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Harford
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Harford, NY homeowners insurance rates all in one place!

Saving Money Tips on Harford Home Insurance

A great way to save money on Harford homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Harford area? Check out what homeowners are paying on average for New York homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1574 ft.	This is the average home elevation in Harford, NY	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New York flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Harford, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Cortland County.

New York Homeowners Insurance News & Information

How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025
Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]
New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025
According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market. Recently, the Office of Insurance Regulation […]
Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025
According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]
Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

Harford, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Harford so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Harford, NY?

- The average square footage in Harford is around 378 Sq. Ft. which would cost you around $77,500 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $77,500

Location: Harford, New York (Cortland County)

Average Building Cost Per Square Foot in Harford: $205 (low end)

Average Square Footage in Harford: 378 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$205	$77,500
Some Additional Upgrades	$256	$96,875
Major Home Updates or Advancements	$308	$116,250

Calculate Your Harford, NY Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($205) in Harford, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.