Gavop's guide to buying homeowners insurance in Kirkland, 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 | $48,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $137,500 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $188,000 | $170,000 | $200,000-$250,000 |
| 4 Bedroom | $189,000 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $303,500 | $250,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $543 |
| Superior Protection Discount | -$59 | $596 |
| Fire & Security Discount | -$72 | $583 |
| Hail Resistant Roof Discount | -$13 | $642 |
| Newly Constructed Home Discount | -$144 | $511 |
| 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 |
| Oneida County | $1,000 | $1,201 | $2,201 | $873 | $1,873 | $328 |
| Kirkland, NY | $1,000 | $647 | $1,647 | $470 | $1,470 | $177 |
| Westmoreland, NY | $300 | $594 | $894 | $431 | $731 | $162 |
| Clayville, NY | $700 | $583 | $1,283 | $424 | $1,124 | $159 |
| Floyd, NY | $300 | $597 | $897 | $434 | $734 | $163 |
| Springfield, NY | $2,500 | $650 | $3,150 | $472 | $2,972 | $178 |
| Morris, NY | $200 | $604 | $804 | $439 | $639 | $165 |
| Laurens, NY | $700 | $613 | $1,313 | $445 | $1,145 | $167 |
| Williamstown, NY | $500 | $585 | $1,085 | $425 | $925 | $160 |
| Westford, NY | $1,000 | $618 | $1,618 | $449 | $1,449 | $169 |
| Nelliston, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| Schenevus, NY | $700 | $585 | $1,285 | $425 | $1,125 | $160 |
| Home Insurance Company Kirkland, NY | Homeowners Insurance Agency Kirkland, NY | Address | Popularity Score | Distance from Kirkland (miles) |
|---|---|---|---|---|
| State Farm | Steve Lamonica | 2601 West Genesee Street, Syracuse, NY, 13219-1541 | 41.8 | |
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd, Whitesboro, NY, 13492 | 7.3 | |
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd Ste 4w, Whitesboro, NY, 13492 | 7.3 | |
| Allstate | Matthew Dziedzic | 7 W Whitesboro St, Yorkville, NY, 13495 | 7.8 | |
| Travelers | The Loughlin Agency Inc | 239 Genesee St Ste 127, Utica, NY, 13501 | 8.8 | |
| Liberty Mutual Independent | Paul Chapman Insurance Agency Inc. | 1758 Burrstone Rd, New Hartford, NY, 13413 | 6.5 | |
| Farmers | Thomas Trevvett | 2400 Genesee St, Utica, NY, 13502 | 6.5 | |
| Travelers | Miller Agency Of New York Inc | 7000 East Genesee St, Fayetteville, NY, 13066 | 33.3 | |
| Travelers | In Focus Advisors Inc | 8035 Oswego Rd, Liverpool, NY, 13090 | 43.7 | |
| Travelers | Eastern Shore Associates | 401 S Main St , North Syracuse, NY, 13212 | 38.4 |
| 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 | $830 | $1,660 | $830 |
| Oneida County, NY | $120,000 | $1,215 | $890 | $1,740 | $850 |
| Kirkland, NY | $177,400 | $655 | $440 | $910 | $470 |
| Westmoreland, NY | $151,100 | $601 | $440 | $860 | $420 |
| Clayville, NY | $95,000 | $590 | $430 | $840 | $410 |
| Floyd, NY | $121,500 | $604 | $430 | $830 | $400 |
| Springfield, NY | $157,500 | $658 | $480 | $910 | $430 |
| Morris, NY | $127,900 | $611 | $450 | $870 | $420 |
| Laurens, NY | $134,700 | $620 | $420 | $850 | $430 |
| Williamstown, NY | $81,600 | $592 | $410 | $850 | $440 |
| Westford, NY | $139,000 | $626 | $430 | $860 | $430 |
| Nelliston, NY | $86,300 | $591 | $420 | $830 | $410 |
| Schenevus, NY | $102,300 | $592 | $430 | $820 | $390 |