Gavop's guide to buying homeowners insurance in Lansing, NY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $77,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $181,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $185,000 | $170,000 | $150,000-$175,000 |
| 4 Bedroom | $416,500 | $370,000 | $400,000-$500,000 |
| 5 Bedroom | $501,000 | $470,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $650 |
| Superior Protection Discount | -$69 | $696 |
| Fire & Security Discount | -$61 | $704 |
| Hail Resistant Roof Discount | -$23 | $742 |
| Newly Constructed Home Discount | -$184 | $582 |
| 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 |
| Tompkins County | $2,500 | $708 | $3,208 | $515 | $3,015 | $194 |
| Lansing, NY | $2,500 | $756 | $3,256 | $549 | $3,049 | $207 |
| Freeville, NY | $200 | $635 | $835 | $462 | $662 | $174 |
| Spafford, NY | $1,500 | $839 | $2,339 | $610 | $2,110 | $229 |
| McGraw, NY | $400 | $583 | $983 | $424 | $824 | $159 |
| DeRuyter, NY | $1,000 | $586 | $1,586 | $426 | $1,426 | $160 |
| Rushville, NY | $300 | $585 | $885 | $425 | $725 | $160 |
| Hopewell, NY | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Pharsalia, NY | $500 | $599 | $1,099 | $435 | $935 | $164 |
| Wheeler, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Clay, NY | $300 | $605 | $905 | $439 | $739 | $165 |
| Bristol, NY | $2,500 | $663 | $3,163 | $482 | $2,982 | $181 |
| Home Insurance Company Lansing, NY | Homeowners Insurance Agency Lansing, NY | Address | Popularity Score | Distance from Lansing (miles) |
|---|---|---|---|---|
| State Farm | Andrew Cambria | 5962 Route 31 Ste 13, Cicero, NY, 13039 | 47.3 | |
| Liberty Mutual Independent | Finger Lakes Partners Llc | 62 Reed St, Geneva, NY, 14456 | 31.4 | |
| Travelers | Wells Insurance | 644 E Main, Palmyra, NY, 14522 | 48.7 | |
| Travelers | Joseph P Gaetani | 32 W State Street Suite 201, Binghamton, NY, 13901 | 45.0 | |
| State Farm | David Mooney | 1111 Triphammer Rd, Ithaca, NY, 14850-2512 | 7.2 | |
| Liberty Mutual Independent | First Niagara Risk Management | 126 N Salina Street Suite 400, Syracuse, NY, 13202 | 38.7 | |
| Liberty Mutual Independent | First Niagara Risk Management | 300 N. Tioga Street, Ithaca, NY, 14850 | 8.8 | |
| Liberty Mutual Independent | First Niagara Risk Management | 300 N Tioga St, Ithaca, NY, 14850 | 8.8 | |
| Nationwide | Stanley T. Barlow | 2359 N Triphammer Rd, Ithaca, NY, 14850-1059 | 6.0 | |
| Travelers | Becker-Wells Agency Inc | 903 Hanshaw Road Corners Community Center Ithaca, Ithaca, NY, 14850 | 7.3 |
| 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 | $840 | $1,660 | $820 |
| Tompkins County, NY | $190,100 | $717 | $520 | $980 | $460 |
| Lansing, NY | $239,000 | $765 | $510 | $1,090 | $580 |
| Freeville, NY | $149,500 | $643 | $460 | $890 | $430 |
| Spafford, NY | $223,100 | $849 | $580 | $1,200 | $620 |
| McGraw, NY | $92,200 | $590 | $430 | $830 | $400 |
| DeRuyter, NY | $105,800 | $593 | $410 | $820 | $410 |
| Rushville, NY | $101,800 | $592 | $430 | $820 | $390 |
| Hopewell, NY | $123,200 | $606 | $410 | $840 | $430 |
| Pharsalia, NY | $61,200 | $606 | $420 | $830 | $410 |
| Wheeler, NY | $100,600 | $591 | $420 | $850 | $430 |
| Clay, NY | $142,300 | $612 | $430 | $840 | $410 |
| Bristol, NY | $163,400 | $671 | $490 | $920 | $430 |