Gavop shows you how to buy homeowners insurance in Porter, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $103,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $126,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $185,500 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $386,500 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $505 |
| Superior Protection Discount | -$60 | $542 |
| Fire & Security Discount | -$42 | $560 |
| Hail Resistant Roof Discount | -$18 | $584 |
| Newly Constructed Home Discount | -$126 | $475 |
| 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 |
| Niagara County | $700 | $1,180 | $1,880 | $857 | $1,557 | $322 |
| Porter, NY | $2,000 | $594 | $2,594 | $432 | $2,432 | $162 |
| Newfane, NY | $500 | $948 | $1,448 | $689 | $1,189 | $259 |
| Niagara County, NY | $1,000 | $1,180 | $2,180 | $857 | $1,857 | $322 |
| Grand Island, NY | $100 | $688 | $788 | $500 | $600 | $188 |
| Eggertsville, NY | $2,000 | $572 | $2,572 | $416 | $2,416 | $156 |
| Somerset, NY | $300 | $591 | $891 | $429 | $729 | $161 |
| Newstead, NY | $1,500 | $932 | $2,432 | $677 | $2,177 | $255 |
| Elma Center, NY | $300 | $949 | $1,249 | $690 | $990 | $259 |
| Hamburg, NY | $1,000 | $623 | $1,623 | $453 | $1,453 | $170 |
| Gaines, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| Kendall, NY | $2,500 | $590 | $3,090 | $429 | $2,929 | $161 |
| Home Insurance Company Porter, NY | Homeowners Insurance Agency Porter, NY | Address | Popularity Score | Distance from Porter (miles) |
|---|---|---|---|---|
| Allstate | Phillip Mastantuono | 419 Center St, Lewiston, NY, 14092 | 6.9 | |
| State Farm | Laura Capizzi | 2768 Niagara Fall Blvd, Niagara Falls, NY, 14304-4517 | 12.2 | |
| Travelers | M F Murphy Insurance Agency Inc | 111 Pine St, Lockport, NY, 14094 | 15.4 | |
| Travelers | Bower Insurance Agency | 5668 S Transit Rd, Lockport, NY, 14094 | 15.7 | |
| Travelers | Gpa Insurance Agency Inc | 520 Lee Entrance Suite 120, Amherst, NY, 14228 | 20.0 | |
| Travelers | Bitar Agency | 656 N French Rd Ste 1, Amherst, NY, 14228 | 17.6 | |
| State Farm | Mike Stasko | 26 W Main St, Batavia, NY, 14020-2033 | 43.4 | |
| Travelers | The Keller Group Inc | 2706 Pine Ave, Niagara Falls, NY, 14301 | 11.6 | |
| Travelers | Bruce Lucsok Agency Inc | 6928 Williams Rd, Niagara Falls, NY, 14304 | 11.8 | |
| Travelers | Bruce Lucsok Agency Inc | 6928 Williams Road, Niagara Falls, NY, 14304 | 11.8 |
| 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 | $780 | $1,620 | $840 |
| Niagara County, NY | $114,800 | $1,194 | $820 | $1,700 | $880 |
| Porter, NY | $151,700 | $602 | $430 | $830 | $400 |
| Newfane, NY | $108,600 | $960 | $650 | $1,360 | $710 |
| Niagara County, NY | $114,800 | $1,194 | $820 | $1,640 | $820 |
| Grand Island, NY | $193,700 | $697 | $490 | $970 | $480 |
| Eggertsville, NY | $137,200 | $579 | $390 | $820 | $430 |
| Somerset, NY | $113,200 | $598 | $410 | $860 | $450 |
| Newstead, NY | $134,000 | $943 | $640 | $1,290 | $650 |
| Elma Center, NY | $250,700 | $961 | $700 | $1,370 | $670 |
| Hamburg, NY | $153,200 | $631 | $460 | $900 | $440 |
| Gaines, NY | $86,200 | $591 | $410 | $820 | $410 |
| Kendall, NY | $112,400 | $597 | $410 | $840 | $430 |