How Can I Make My Buffalo, NY Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Buffalo, 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 Buffalo, NY Home Insurance Coverage Levels | Back to Top

Buffalo, 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
Black Rock Harbor, Roslyn St, Guernsey St, Butler Ave, Troy Pl, Gates Ave, Montrose Ave, Schutrum St, Dorothy St, Wilmuth Ave $101,500 $90,000 $100,000-$125,000 $68,500 $60,000 $50,000-$75,000
Lafayette Sq, Spiess St, Blake St, Laurel St, Paderewski Dr, Leland Dr, Johnson Park, Colfax Ave, Bennett St, Newell St $254,500 $240,000 $250,000-$300,000 $194,500 $160,000 $175,000-$200,000
E Huron St, Laux St, Standish Rd, Maurice St, Sordyl Aly, Jackson Ave, Austin St, Baraga St, Masten Ave, Nicholson St $78,500 $70,000 $75,000-$100,000 $42,000 $40,000 $25,000-$50,000
Harlow Pl, Augusta St, Harp Pl, Bremen St, Foundry St, Schauf Ave, Briscoe Ave, Beech St, Atlantic Ave, W Mohawk St $105,000 $100,000 $100,000-$125,000 $66,000 $50,000 $50,000-$75,000
University Ave, Reading Ave, Riverview Pl, Parkside Ct, Burgard Pl, Phelps St, Devereaux Ave, Herman St, Peterson St, Cochrane St $110,000 $90,000 $125,000-$150,000 $90,500 $80,000 $100,000-$125,000
Lebrun Rd, Dartmouth Ave, Maryland St, Durham Ct, E Parade Ave, Sweeney St, Fuhrmann Blvd, Penfield St, Esperar, Victoria Ave $73,500 $70,000 $75,000-$100,000 $47,000 $40,000 $25,000-$50,000
W Fleming St, Cherokee Pl, Wilbury Pl, Robie Ave, Sprenger Ave, Union Pl, Shoshone St, Orton Pl, Rockwood Ave, Townsend St $73,500 $70,000 $50,000-$75,000 $70,000 $60,000 $75,000-$100,000
Goodyear Rd, Ensign St, Athol St, Dignity Ln, Fulton St, Wesley Ave, Cottage St, Beyer Pl, Holloway Blvd, Turner Ave $92,000 $80,000 $100,000-$125,000 $45,500 $40,000 $25,000-$50,000
Manhattan Ave, Strauss St, Spann St, Bremen St, Minnetonka Rd, Pershing Ave, Phillips Pl, Wick St, Riverside Ave, Rohe St $83,000 $80,000 $75,000-$100,000 $50,000 $40,000 $25,000-$50,000
Goodyear Ave, Hollywood Ave, Niagara Frontier Foo, Euclid Pl, Jewett Ave, Orleans St, Windsor Ave, Hubbard St, Gatchell St, Orlando St $59,000 $50,000 $50,000-$75,000 $61,000 $50,000 $50,000-$75,000

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

This table lists savings for a median home value of $66,700 and an average premium of $410

Discount Type Premium After Discount
Multipolicy Discounts $386
Superior Protection Discount $353
Fire & Security Discounts $353

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

Claim Type Average Claim Cost
General Claims
Water Damage $6,156
Physical Damage $2,513
Hail Damage $4,948
Wind Damage $6,496
Expensive Claims
Fire $46,910
Smoke $17,222

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

Home Insurance Company Buffalo, NY Homeowners Insurance Agency Buffalo, NY Address Popularity Score Distance from Buffalo (miles)
Travelers Gurney Becker & Bourne 506 Delaware Avenue Rm 200, Buffalo, NY, 14202
0.8
Travelers Bob White Insurance Agency 602 Grover Cleveland Highway Suite A, Amherst, NY, 14226
6.1
Travelers Dennis Evchich Agency 100 Plaza Drive Suite E, Williamsville, NY, 14221
9.6
Erie Burke & Byrne & Associates Inc. 1780 Union Road, West Seneca, NY, 14224
6.1
State Farm John Kasperek 2156 S Park Ave, Buffalo, NY, 14220-2232
4.1
State Farm Dan Hawrylczak 1335 Hertel Ave, Buffalo, NY, 14216-2832
3.8
State Farm Susan Oleksy 1876 Nia Falls Blvd, Tonawanda, NY, 14150-6439
8.0
Allstate Samuel Mezzio 2357 Millersport Hwy, Getzville, NY, 14068
9.6
State Farm Mike Messuro 1320 Orchard Park Road, West Seneca, NY, 14224-4050
7.2
Travelers M A Damstetter Inc 3064 S Park Ave, Lackawanna, NY, 14218
5.6

Compare Rates for Buffalo, 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 $1,300 $920 $1,860 $940
Erie County, NY $123,400 $510 $350 $700 $350
Buffalo, NY $66,700 $360 $240 $510 $270
Eden, NY $150,000 $830 $570 $1,140 $570
Springville, NY $116,500 $480 $350 $680 $330
Sardinia, NY $146,500 $730 $530 $1,000 $470
Medina, NY $69,800 $410 $300 $580 $280
Fredonia, NY $124,300 $550 $370 $780 $410
Franklinville, NY $62,500 $250 $180 $340 $160
Cassadaga, NY $97,200 $570 $390 $790 $400
Genesee Falls, NY $73,900 $380 $250 $540 $290
Linwood, NY $161,500 $710 $520 $1,020 $500
Stockton, NY $83,200 $470 $340 $640 $300

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

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: September 10, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
lucky so far that I have not had to use my home insurance company for anythung but the customer service in general has been fantastic

Date: July 15, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
Some of their premiums and deductibles seem a bit high on my end. In addition, it seems that you may get a bit less than what you are paying for with them.

Date: April 02, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Satisfied I have always found usaa to be the cheapest option ecspeecially when bundling home and auto insurance. I am lease they have always been very pleasant and helpful to work with.

Date: February 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I am very satisfied with USAA's customer service. The representatives I have dealt with have been professional, friendly, and have resolved my issues and answered my questions quickly and thoroughly.

Date: August 22, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
I really don't think that USAA offers much on the app as far as home insurance goes. It's more designed for mobile banking. I have never had the need for it though.

Date: July 25, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
The insurance coverage in my home policy offering essentially covers the home and the belongings inside. This covers rebuilding the home from the ground up in case of emergency.


Date: May 12, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I really don't know about the insurance premiums offered by other companies. I am mostly satisfied with USAA's coverage and really don't have any complaints.

Date: November 19, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I have never really had to utilize the service so I don't really interact with customer service representatives as it pertains to homeowners insurance.

State Farm Home Insurance Reviews

Date: December 08, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
We have reviewed our policy with other insurance companies through progressive and State Farm is the best option for what we currently need. we also bundle our home insurance with our auto insurance which saves us money as well. I don't see any reason for us to compare our policies again as we have confidence in our current agent to provide us with the best rates available.


Date: November 11, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
They repaired the roof quick enough after a bad hail storm. I bundle with auto for extra coverage


Date: September 05, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Communication
Communication s excellent. When we need something they are quick to respond and always take the time to explain everything to us and walk us through options.

Date: September 03, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
Every agent we have spoken to has been helpful and friendly and when we needed an estimate they were prompt in sending someone out. This person was also very friendly and helpful.

Date: August 30, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
The website is very easy to use and allows you to contact an agent to ask questions or directs you whom to call if needed. It is very easy to navigate and has a lot of useful tips for homeowners

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

Premium
This is the lowest premium with the highest coverage we have had since we bought the house. Our previous company kept raising the rates every year this one never has.

Date: July 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Our home value Is covered at the cost to build a new home if the current house is destroyed, we also have insurance on the shed that stands on the property at 20000 dollars


Erie Insurance Home Insurance Reviews

Date: January 01, 2019    Age: Above 60    Gender: Female    Marital Status: Unmarried

Policy Offerings
As far as I know my insurance company is similar to other insurance companies. I picked this insurance as it was my auto and provided me with a discount for multiple accounts. I have not had to file a claim as of yet.


Date: September 20, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
When we picked insurance we shopped around prior to choosing. Erie had competitive rates for the coverage compared to the other companies we look at. In addition, we have a local agent, so we were able to work directly with her.

Date: August 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
Their website is very easy to login and find your information. I can find information about my coverage and premiums easily. There is also contact information.

Date: May 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Communication
The interactions with the insurance company have been prompt, courteous and effective. I have been able to get all my questions answered quickly and thoroughly. I can text my agent, call her, call the national company, or go online to find the information I need. I usually contact my local agent first. I can see all my coverage information and statements online.

Date: March 09, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
The customer service from Erie has been great. We usually first deal with our local agent when we have a question or issue. The one time we had to make a claim, we were sent to their national office. The person we talked to on the phone was fast and knowledgeable and our claim was handled quickly.

Date: November 18, 2017    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Policy Offerings
My policy covers my home and shed against loss due to fire, theft, etc. We did not purchase supplemental food insurance. Our policy also covers bbn personal belongings like jewelry.


Farmer's Insurance Home Insurance Reviews

Date: September 30, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
The customer service agents are under-trained. The gaps in training have cost me time effort and money. they behave as though the claims will personally hurt them. They are ignorant. It is such a nightmare that I hope to switch soon.

Date: September 20, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
When I downloaded it, it asked for permission to access so much information on my phone that I felt very uncomfortable.

Date: July 26, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I hate that my emails are answered by three different people. How many people does it take to answer some routine questions?

Date: July 24, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
It covers damages due to water, weather issues, theft, and fire. In case we have to stay elsewhere it covers with a $100 deductible.


Date: May 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
People in my volunteer group are paying less and their claims history is very enviable. I want a better insurer like Progressive.

AAA Home Insurance Reviews

Date: September 22, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
The customer service so far has been great. I haven't had to make any claims, however the agent I work with is very accessible and very responsive.

Date: September 16, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
Its a bit cumbersome, and there is plenty of stuff on the app that isn't applicable to me (travel, discounts, etc).Other than that, it lets me pay bills and do other things i need.

Date: August 04, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I cannot go into too much detail, as all of my communication has been via email. However, I prefer to communicate via email, because it lets me communicate in my own words and on my own time.

Date: March 07, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
It is a pretty standard home policy. There is no flood or any disaster coverage that I'm aware of but most damage would be covered.


Liberty Mutual Home Insurance Reviews

Date: November 19, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
Liberty Mutual offers the following in both exam and simplified issue whole life insurance policies for certain face amounts: Liberty Series Whole Life: cash value life insurance that is guaranteed throughout your life—as long as premiums are paid.

Allstate Home Insurance Reviews

Date: August 13, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
Our premium and deductible of our policy is on average compared to other home insurance policies for the same coverage. We thought it was a great deal to be able to stay with them instead of moving.

Travelers Home Insurance Reviews

Date: December 28, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
I checked other companies when I renewed two months ago and their pricing was in line with other insurance companies..

Safeco Insurance Home Insurance Reviews

Date: June 06, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Female

Customer Service
I would say I'm pretty satisfied with Safeco's service - they are always quick to respond to any questions I have; their customer service is great.

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