Gavop's guide to buying homeowners insurance in Avon, 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 | $44,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $79,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $116,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $211,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $164,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $481 |
| Superior Protection Discount | -$59 | $528 |
| Fire & Security Discount | -$53 | $534 |
| Hail Resistant Roof Discount | -$18 | $569 |
| Newly Constructed Home Discount | -$117 | $469 |
| 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 |
| Livingston County | $700 | $1,190 | $1,890 | $865 | $1,565 | $325 |
| Avon, NY | $700 | $580 | $1,280 | $421 | $1,121 | $158 |
| South Lima, NY | $300 | $597 | $897 | $434 | $734 | $163 |
| Victor, NY | $2,000 | $825 | $2,825 | $600 | $2,600 | $225 |
| Ogden, NY | $500 | $605 | $1,105 | $439 | $939 | $165 |
| Greece, NY | $1,000 | $1,211 | $2,211 | $880 | $1,880 | $331 |
| Murray, NY | $400 | $583 | $983 | $424 | $824 | $159 |
| Sheldon, NY | $2,500 | $626 | $3,126 | $455 | $2,955 | $171 |
| Strykersville, NY | $500 | $628 | $1,128 | $457 | $957 | $172 |
| Rushford, NY | $2,000 | $587 | $2,587 | $426 | $2,426 | $160 |
| Lancaster, NY | $400 | $672 | $1,072 | $488 | $888 | $184 |
| Delevan, NY | $700 | $583 | $1,283 | $424 | $1,124 | $159 |
| Home Insurance Company Avon, NY | Homeowners Insurance Agency Avon, NY | Address | Popularity Score | Distance from Avon (miles) |
|---|---|---|---|---|
| State Farm | Jackie Ortiz | 225 Alexander St, Rochester, NY, 14607-4009 | 18.7 | |
| Allstate | Jacob Sanabria | 65 E Main St, Avon, NY, 14414 | 1.3 | |
| Erie | Emerling Agency Llc | 8625 Main Street, Williamsville, NY, 14221 | 48.2 | |
| Farmers | Miriam Rivera | 1038 Lyell Ave, Rochester, NY, 14606 | 18.8 | |
| Travelers | Floss Agency Inc | 6465 Transit Road, East Amherst, NY, 14051 | 49.9 | |
| Allstate | Gambino Family Agency | 3240 Chili Ave, Rochester, NY, 14624 | 14.3 | |
| Liberty Mutual Independent | Barry York Inc | 271 Marsh Rd Ste 3 , Pittsford, NY, 14534 | 18.3 | |
| Liberty Mutual Independent | Cleary Insurance Agency | 3720 Main St, Walworth, NY, 14568 | 28.4 | |
| Travelers | First Niagara Insurance Agency | 777 Canal View Blvd Ste 100, Rochester, NY, 14623 | 15.6 | |
| Liberty Mutual Independent | Marshall & Sterling Inc. | 205 Saint Paul St Ste 105 205 Saint Paul St Ste 105, Rochester, NY, 14604 | 19.1 |
| 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 | $850 | $1,610 | $760 |
| Livingston County, NY | $125,000 | $1,205 | $880 | $1,670 | $790 |
| Avon, NY | $142,300 | $587 | $400 | $830 | $430 |
| South Lima, NY | $121,600 | $604 | $420 | $860 | $440 |
| Victor, NY | $258,200 | $835 | $570 | $1,180 | $610 |
| Ogden, NY | $157,200 | $612 | $420 | $870 | $450 |
| Greece, NY | $130,500 | $1,226 | $850 | $1,740 | $890 |
| Murray, NY | $95,000 | $590 | $420 | $840 | $420 |
| Sheldon, NY | $144,200 | $634 | $460 | $880 | $420 |
| Strykersville, NY | $145,700 | $636 | $440 | $900 | $460 |
| Rushford, NY | $76,200 | $594 | $400 | $830 | $430 |
| Lancaster, NY | $176,300 | $680 | $470 | $960 | $490 |
| Delevan, NY | $95,500 | $590 | $400 | $820 | $420 |