Gavop's guide to buying homeowners insurance in Newstead, 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.
| Newstead, 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 | |
| Kelkenberg Rd, Ice Cream Plz, Marshall St, Saratoga Ln, Bruning Rd, Draper Rd, Dye Rd, Renns Ln, Thornwood Ln, Sylvan Dr | $219,500 | $210,000 | $200,000-$250,000 | $116,500 | $100,000 | $100,000-$125,000 |
| Fassett Ave, Colony Pl, Rapids Rd, Brackett Rd, Hunts Corners Rd, Hake Rd, Clair Dr, Brucker Rd, Billo Rd, Scotland Rd | $138,500 | $120,000 | $100,000-$125,000 | $108,000 | $100,000 | $75,000-$100,000 |
| Utley Rd, Hake Rd, Randy Dr, Co Rd 265, Burdick Rd, Hart St, Knapp Rd, Kathryn Dr, Shepard Ave, Buell St | $207,500 | $190,000 | $150,000-$175,000 | $159,000 | $150,000 | $175,000-$200,000 |
| Quarry Hill Dr, Havens Rd, N Ayers Rd, Buckwheat Rd, S Ayers Rd, Cedar St, Skyline Dr, Co Rd 254, Townsend St, Oak St | $234,500 | $210,000 | $175,000-$200,000 | $99,000 | $90,000 | $100,000-$125,000 |
| John St, Kirby Rd, Applewood Ln, Koepsel Rd, State St, Ashwood Ln, Parkview Dr, Swift Mills Rd, Indianola Ave, Co Rd 250 | $100,000 | $90,000 | $100,000-$125,000 | $80,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $764 |
| Superior Protection Discount | -$94 | $849 |
| Fire & Security Discount | -$94 | $849 |
| Hail Resistant Roof Discount | -$19 | $925 |
| Newly Constructed Home Discount | -$217 | $726 |
| 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 |
| Erie County | $2,500 | $601 | $3,101 | $437 | $2,937 | $164 |
| Newstead, NY | $1,000 | $932 | $1,932 | $677 | $1,677 | $255 |
| Sheldon, NY | $500 | $626 | $1,126 | $455 | $955 | $171 |
| Olcott, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| Java, NY | $400 | $609 | $1,009 | $442 | $842 | $166 |
| Carlton, NY | $2,000 | $587 | $2,587 | $426 | $2,426 | $160 |
| Holley, NY | $200 | $585 | $785 | $425 | $625 | $160 |
| Churchville, NY | $1,000 | $609 | $1,609 | $442 | $1,442 | $166 |
| Cattaraugus, NY | $500 | $583 | $1,083 | $424 | $924 | $159 |
| Otto, NY | $2,000 | $596 | $2,596 | $433 | $2,433 | $163 |
| West Sparta, NY | $100 | $583 | $683 | $424 | $524 | $159 |
| Rochester, NY | $2,000 | $1,180 | $3,180 | $857 | $2,857 | $322 |
| Home Insurance Company Newstead, NY | Homeowners Insurance Agency Newstead, NY | Address | Popularity Score | Distance from Newstead (miles) |
|---|---|---|---|---|
| Erie | Emerling Agency Llc | 8625 Main Street, Williamsville, NY, 14221 | 8.4 | |
| Travelers | Floss Agency Inc | 6465 Transit Road, East Amherst, NY, 14051 | 8.9 | |
| Travelers | Becker Able Agency Inc | 2476 Elmwood Avenue, Kenmore, NY, 14217 | 18.5 | |
| Travelers | Bruce Lucsok Agency Inc | 6928 Williams Road, Niagara Falls, NY, 14304 | 21.8 | |
| Allstate | Rocco Distaffen | 251 W Ridge Rd, Rochester, NY, 14615 | 46.6 | |
| State Farm | Chris Majchrzak | 3132 Walden Ave, Depew, NY, 14043-2729 | 12.0 | |
| Travelers | Brady Insurance Agency Llc | 10589 Main St, Clarence, NY, 14031 | 4.4 | |
| State Farm | Michael Casseri | 8566 Main St, Williamsville, NY, 14221-7455 | 8.5 | |
| State Farm | Susan Oleksy | 1876 Nia Falls Blvd, Tonawanda, NY, 14150-6439 | 15.3 | |
| Nationwide | Barber Bill Agency Inc | 5857 Transit Rd, East Amherst, NY, 14051-1885 | 8.9 |
| 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 | $1,640 | $860 |
| Erie County, NY | $139,900 | $608 | $410 | $860 | $450 |
| Newstead, NY | $134,000 | $943 | $630 | $1,300 | $670 |
| Sheldon, NY | $144,200 | $634 | $450 | $900 | $450 |
| Olcott, NY | $99,000 | $591 | $410 | $810 | $400 |
| Java, NY | $131,600 | $616 | $430 | $860 | $430 |
| Carlton, NY | $106,800 | $594 | $420 | $840 | $420 |
| Holley, NY | $81,000 | $592 | $430 | $850 | $420 |
| Churchville, NY | $132,000 | $616 | $410 | $880 | $470 |
| Cattaraugus, NY | $87,600 | $590 | $410 | $810 | $400 |
| Otto, NY | $120,400 | $603 | $430 | $830 | $400 |
| West Sparta, NY | $91,800 | $590 | $420 | $810 | $390 |
| Rochester, NY | $79,400 | $1,194 | $860 | $1,710 | $850 |