Gavop's guide to buying homeowners insurance in Dickinson, 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 | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $96,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $183,000 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $182,000 | $150,000 | $200,000-$250,000 |
| 5 Bedroom | $131,000 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $792 |
| Superior Protection Discount | -$85 | $859 |
| Fire & Security Discount | -$85 | $859 |
| Hail Resistant Roof Discount | -$28 | $915 |
| Newly Constructed Home Discount | -$198 | $745 |
| 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 |
| Broome County | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Dickinson, NY | $2,000 | $932 | $2,932 | $677 | $2,677 | $255 |
| Johnson City, NY | $300 | $948 | $1,248 | $689 | $989 | $259 |
| Union, NY | $700 | $1,180 | $1,880 | $857 | $1,557 | $322 |
| Glen Aubrey, NY | $300 | $602 | $902 | $437 | $737 | $164 |
| Triangle, NY | $1,500 | $587 | $2,087 | $426 | $1,926 | $160 |
| Lanesboro, PA | $400 | $549 | $949 | $399 | $799 | $150 |
| Lapeer, NY | $2,500 | $606 | $3,106 | $440 | $2,940 | $166 |
| Starrucca, PA | $300 | $700 | $1,000 | $508 | $808 | $191 |
| Braintrim, PA | $2,500 | $704 | $3,204 | $512 | $3,012 | $193 |
| Franklin, NY | $200 | $631 | $831 | $459 | $659 | $173 |
| Cherry, PA | $2,000 | $675 | $2,675 | $490 | $2,490 | $184 |
| Home Insurance Company Dickinson, NY | Homeowners Insurance Agency Dickinson, NY | Address | Popularity Score | Distance from Dickinson (miles) |
|---|---|---|---|---|
| Travelers | Perry & Carroll Inc | 100 W Church St, Elmira, NY, 14901 | 45.8 | |
| Travelers | W J Farmer Insurance Agency Llc | 106c John St, Horseheads, NY, 14845 | 46.4 | |
| Erie | Hussar Insurance Agency Inc. | 178 Oakdale Road, Johnson City, NY, 13790 | 3.1 | |
| Allstate | Aaron Lounsbury | 82 North Ave, Owego, NY, 13827 | 17.8 | |
| Allstate | Ernest Landers | 591 Conklin Rd, Binghamton, NY, 13903 | 3.5 | |
| Allstate | Adam J. Roux | 1250 Upper Front St, Binghamton, NY, 13901 | 2.1 | |
| Allstate | Dennis Smith | 124 Washington Ave, Endicott, NY, 13760 | 7.0 | |
| Travelers | Joseph P Gaetani | 32 W State St Ste 201, Binghamton, NY, 13901 | 1.6 | |
| State Farm | Al Myers | 38 Main St, Cortland, NY, 13045-2684 | 35.1 | |
| Travelers | Joseph P Gaetani | 32 W State Street Suite 201, Binghamton, NY, 13901 | 1.6 |
| 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 | $800 | $1,590 | $790 |
| Broome County, NY | $113,100 | $1,205 | $870 | $1,720 | $850 |
| Dickinson, NY | $108,000 | $943 | $680 | $1,300 | $620 |
| Johnson City, NY | $85,800 | $960 | $660 | $1,370 | $710 |
| Union, NY | $110,500 | $1,194 | $870 | $1,650 | $780 |
| Glen Aubrey, NY | $126,200 | $609 | $440 | $860 | $420 |
| Triangle, NY | $107,300 | $594 | $400 | $840 | $440 |
| Lanesboro, PA | $85,300 | $556 | $380 | $790 | $410 |
| Lapeer, NY | $129,500 | $613 | $440 | $870 | $430 |
| Starrucca, PA | $151,400 | $708 | $510 | $1,010 | $500 |
| Braintrim, PA | $153,700 | $713 | $520 | $990 | $470 |
| Franklin, NY | $147,300 | $639 | $470 | $900 | $430 |
| Cherry, PA | $138,900 | $683 | $460 | $950 | $490 |