How Can I Make My Rochester, NY Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Rochester, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Estimate Appropriate Rochester, NY Home Insurance Coverage Levels | Back to Top

Rochester, NY - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
Cedar St, Bernard St, Myrtle St, Dogwood Ln, Impala Dr, Lenox St, Parker Ln, Martin St, Argo Park, Mason St $94,000 $90,000 $75,000-$100,000 $80,000 $70,000 $75,000-$100,000
Berdell St, Princeton St, Orland Rd, Amsterdam Rd, Barberry Ter, Strohm St, Bank Pl, Woodside Pl, Warwick Ave, Imperial Hts E $87,500 $70,000 $75,000-$100,000 $88,000 $80,000 $50,000-$75,000
Fern St, Krenzer Rd, Lela St, Roslyn St, Coolidge Rd, Eagle Rock Dr E, Crawford St, Inner Loop Expy, Finch St, Townsend St $114,000 $100,000 $125,000-$150,000 $93,500 $90,000 $100,000-$125,000
Teralta St, Saint Stanislaus St, Yates St, Kensington St, Anderson Ave, Sherman St, Barn Swallow Ln, Fort Hill Ter, Haloid St, Sager Dr $118,500 $100,000 $100,000-$125,000 $155,500 $130,000 $175,000-$200,000
Shingle Mill Rd, Kemphurst Rd, Avondale Rd, Vixette St, Excel Dr, Weidner Rd, Sea Breeze Dr, Field St, Nelson St, Alcazar St $124,500 $120,000 $125,000-$150,000 $91,000 $70,000 $75,000-$100,000
Ridgewood Dr, Harwick Rd, Alphonse St, Mount Vernon Ave, Master St, Old N Hill, Boswell St, Rudman Dr, Dr Samuel McCree Way, Bricker St $112,500 $90,000 $100,000-$125,000 $112,500 $100,000 $100,000-$125,000
Ward St, Harlem St, Dodge St, Sibley Pl, Huntington Park, Clayton St, Nandor Dr, Hannahs Ter, Dowling Pl, Breck St $138,500 $130,000 $150,000-$175,000 $93,500 $80,000 $100,000-$125,000
Archer Rd, Mc Donald St, Wheatland St, Edgerton St, Mt Read Blvd North Svc Rd, Pleasant St, Platt St, Laurel St, East Blvd, Long Acre Rd $91,500 $80,000 $75,000-$100,000 $56,500 $50,000 $50,000-$75,000
Lodge Dr, Dunn St, Elmdorf Ave, Pardee St, Co Rd 116, Cady St, Mt Read Blvd, Azalea Rd, Pinecliff Dr, Coburg St $62,000 $60,000 $50,000-$75,000 $66,500 $60,000 $50,000-$75,000
Charlotte St, Sylvan St, Wellington Ave, Moran St, Primrose St, Silverdale Dr, Wind Willow Way, Needham St, Franklin Ct, Templeton Rd $215,500 $200,000 $175,000-$200,000 $147,000 $130,000 $125,000-$150,000

Estimate your Savings with Home Insurance Discounts in Rochester, NY | Back to Top

This table lists savings for a median home value of $75,800 and an average premium of $435

Discount Type Premium After Discount
Multipolicy Discounts $396
Superior Protection Discount $401
Fire & Security Discounts $357

Choose your Rochester, NY Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,854
Physical Damage $2,319
Hail Damage $4,618
Wind Damage $6,242
Expensive Claims
Fire $46,910
Smoke $17,556

Identify Top Home Insurance Agents near Rochester, NY | Back to Top

Home Insurance Company Rochester, NY Homeowners Insurance Agency Rochester, NY Address Popularity Score Distance from Rochester (miles)
Erie Fred Thomas Agency Inc. 45 Main Street, Akron, NY, 14001
45.9
Allstate Roy Richards 100 Meridian Ctr Blvd Ste 200, Rochester, NY, 14618
4.9
Travelers Robert Schacht Agency Ltd 3445 Winton Pl Ste 113, Rochester, NY, 14623
5.5
Allstate Lauren Williams 794 Spencerport Rd, Rochester, NY, 14606
4.7
Travelers Gregory P Malley 3021 Brighton Henrietta T/L Rd, Rochester, NY, 14623
5.3
Travelers Consolidated Agency Inc 1819 E Ridge Road, Rochester, NY, 14622
3.3
State Farm Bera Jurado 2511 Browncroft Blvd Ste 102, Rochester, NY, 14625-1513
5.8
Allstate Nathaniel Tyler 1835 N Union St, Spencerport, NY, 14559
9.4
Allstate Mark Pogue 2122 E Henrietta Rd, Rochester, NY, 14623
6.5
Allstate Andy W. Ocasio 66 Park Ave, Rochester, NY, 14607
1.7

Compare Rates for Rochester, NY Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
New York $295,300 $1,680 $1,160 $2,370 $1,210
Monroe County, NY $134,200 $750 $540 $1,030 $490
Rochester, NY $75,800 $430 $290 $610 $320
Churchville, NY $120,900 $530 $380 $750 $370
Genesee County, NY $104,800 $610 $450 $840 $390
Huron, NY $119,600 $480 $350 $670 $320
Springwater Hamlet, NY $96,400 $460 $330 $630 $300
Hall, NY $122,500 $690 $460 $960 $500
Lyndonville, NY $79,800 $340 $240 $480 $240
Butler, NY $75,200 $440 $300 $610 $310
Wolcott, NY $79,100 $350 $260 $500 $240
Wyoming County, NY $99,300 $430 $300 $610 $310

Research Home Insurance Companies Reviews in Rochester, NY Before Buying | Back to Top

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: September 23, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
My premium is much better than other companies, compared to our previous insurance company it is about one hundred dollars less.

Date: April 13, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
I would give USAA a 4 out of 5. Their offerings match those of competitors in terms of different offerings. However, their price could be better.


Date: April 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
the premium at USAA are vary seasonable to what i have been seeing at other insurance composes

Date: September 02, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
Whenever I ask them a question they answer very quickly and explain everything

Date: August 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I called Progressive to get a quote last week. They wanted $110 more a month than what I have. I had their car insurance and was curious to see if they could offer a good deal. USAA is considerably cheaper.

Date: August 16, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
I had a problem with the spelling of my last name. After three phone calls and one fax, my name is still wrong. I can't change it on the website.

Date: August 11, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
Indoor and outdoor coverage with other structures (fences,deck, and sheds) coverage of $340000 for replacement. $1000 deductible. Coverage for personal property and lose of use. No flood.


Date: August 08, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
I think the site is very easy to use and very straightforward

Date: August 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
It's fantastic. Has 2nd level security. Can do everything on it. I have changed coverage amounts, bundled auto, and made a claim

Date: July 31, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I have not had any negative experiences with the company yet

Date: July 26, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I feel like my premium is very reasonable and comparable to what other companies would offer

Date: November 23, 2017    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
Customer service is a little slow. But I rarely need it. I rely strictly on the website for everything I need. The people need more training.

Farmer's Insurance Home Insurance Reviews

Date: November 25, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
They have given me complete satisfaction when it comes to costs of all insurance that I have needed. I have no complaints, and would recommend them to anyone.


Date: September 27, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I think the premium is fair for what I get in return. It is very helpful and a good idea to have homeowners insurance

Date: September 12, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
floods, earthquakes, theft, fires, lightning strikes, windstorms, hail, hurricanes, and other disasters also routine wear and tear, plumbing and leaks


Date: July 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Website/App
There is nothing I dislike. The app is very informational and to the point and helps me navigate easily with its easy to understand interface

Date: July 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I do not dislike anything they are always there to help me with any questions and or concerns that I may be having at the moment

Date: May 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
there is nothing I dislike the customer service reps always very helpful and insightful about all my questions and concerns regarding my policy

AAA Home Insurance Reviews

Date: September 18, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
The website is easy to access and easy to maneuver when needed. I really only use it for paying the bill though.

Date: August 28, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Not sure what other companies cover for this same premium. As far as I know what we pay is comparable.

Date: August 08, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
I have not had to communicate with them much if at all.

Date: December 01, 2017    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I really haven't had much contact with the customer service for our home insurance.

Progressive Home Insurance Reviews

Date: August 20, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
My apartment management company offers insurance through them which is only $15 a month, but I chose to use Progressive to bundle my discounts together.

Date: February 08, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I have been satisfied with the experience. They are warm and friendly when speaking with me. I have been able to get answers to all of my questions.

Allstate Home Insurance Reviews

Date: September 13, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I have had positive experiences with Allstate customer service. They are knowledgeable and quickly answer any questions and concerns I have had. Very prompt, easy to converse with.

Date: October 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
what i like about all state is that they will work with you if you don't have much money to work with. they have coverage for what every type of money to have to give.

Union Mutual Home Insurance Reviews

Date: December 28, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
Because we live in a rural area and there are not to many to choose from to provide the coverage we are required to have I do believe their pricing is a bit much. However, there is not to much I can do about it . The deductible is rather large and I do believe there are comparable plans. Again, I don't like change.

GEICO Home Insurance Reviews

Date: July 10, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
I think their offerings are very similar to any other company. I am happy with the coverage but I don't think they offer anything different from any other place.


State Farm Home Insurance Reviews

Date: December 10, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
State farm has always provided in person and over the phone excellent customer service. They are always willing to address any question or need that I have.

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