Gavop shows you how to buy homeowners insurance in Livingston County, 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 | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $157,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $183,000 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $296,500 | $280,000 | $300,000-$350,000 |
| 5 Bedroom | $231,500 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$193 | $1,012 |
| Superior Protection Discount | -$120 | $1,084 |
| Fire & Security Discount | -$96 | $1,108 |
| Hail Resistant Roof Discount | -$24 | $1,181 |
| Newly Constructed Home Discount | -$289 | $916 |
| 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 |
| Livingston County | $700 | $1,190 | $1,890 | $865 | $1,565 | $325 |
| Livingston County, NY | $1,000 | $1,190 | $2,190 | $865 | $1,865 | $325 |
| Lima, NY | $500 | $628 | $1,128 | $457 | $957 | $172 |
| Le Roy, NY | $2,000 | $957 | $2,957 | $695 | $2,695 | $261 |
| Potter, NY | $200 | $594 | $794 | $432 | $632 | $162 |
| Holley, NY | $2,500 | $585 | $3,085 | $425 | $2,925 | $160 |
| Alden, NY | $500 | $617 | $1,117 | $449 | $949 | $169 |
| Tyrone, NY | $2,500 | $590 | $3,090 | $429 | $2,929 | $161 |
| Junius, NY | $300 | $583 | $883 | $424 | $724 | $159 |
| Reading, NY | $700 | $637 | $1,337 | $463 | $1,163 | $174 |
| Romulus, NY | $100 | $584 | $684 | $424 | $524 | $160 |
| Sodus, NY | $1,500 | $948 | $2,448 | $689 | $2,189 | $259 |
| Home Insurance Company Livingston County, NY | Homeowners Insurance Agency Livingston County, NY | Address | Popularity Score | Distance from Livingston County (miles) |
|---|---|---|---|---|
| Erie | Southern Hills Insurance Agency Inc. | 41 W Main Street, Honeoye Falls, NY, 14472 | 17.9 | |
| Erie | Emerling Agency Llc | 8625 Main Street, Williamsville, NY, 14221 | 48.7 | |
| State Farm | Dan Scaglione | 928 French Rd Bldg A, Cheektowaga, NY, 14227-3632 | 49.3 | |
| State Farm | Chris Ross | 790 Ridge Rd, Webster, NY, 14580-2449 | 36.1 | |
| Travelers | James R Meys Agency Inc | 124 Main Street, Geneseo, NY, 14454 | 5.3 | |
| Liberty Mutual Independent | Strowe Agency Inc | 305 Packetts Landing, Fairport, NY, 14450 | 30.7 | |
| Nationwide | Jacqueline Gleichauf | 9-27 E Main St Ste 103, Waterloo, NY, 13165 | 47.7 | |
| Travelers | The Bakos Agency Inc | 1099 French Rd, Cheektowaga, NY, 14227 | 48.9 | |
| Liberty Mutual Independent | Shepard Maxwell & Hale | 5176 Clinton Street Road, Batavia, NY, 14020 | 26.8 | |
| Travelers | Dye Inc | 101 Main St, Akron, NY, 14001 | 42.2 |
| 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 | $790 | $1,610 | $820 |
| Livingston County, NY | $125,000 | $1,205 | $860 | $1,660 | $800 |
| Livingston County, NY | $125,000 | $1,205 | $870 | $1,700 | $830 |
| Lima, NY | $145,600 | $636 | $460 | $900 | $440 |
| Le Roy, NY | $102,600 | $968 | $670 | $1,340 | $670 |
| Potter, NY | $117,300 | $601 | $400 | $850 | $450 |
| Holley, NY | $81,000 | $592 | $410 | $820 | $410 |
| Alden, NY | $163,900 | $625 | $420 | $890 | $470 |
| Tyrone, NY | $111,700 | $597 | $430 | $830 | $400 |
| Junius, NY | $94,400 | $590 | $400 | $810 | $410 |
| Reading, NY | $150,700 | $645 | $430 | $920 | $490 |
| Romulus, NY | $99,400 | $591 | $410 | $850 | $440 |
| Sodus, NY | $98,500 | $960 | $680 | $1,370 | $690 |