How Can I Make My Binghamton, NY Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Binghamton, 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.

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Select the Suitable Coverage Value for your Binghamton, NY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $34,000 $30,000 $25,000-$50,000
2 Bedroom $69,000 $60,000 $75,000-$100,000
3 Bedroom $130,500 $110,000 $125,000-$150,000
4 Bedroom $155,500 $150,000 $150,000-$175,000
5 Bedroom $191,500 $160,000 $150,000-$175,000

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

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$191 $1,003
Superior Protection Discount -$119 $1,075
Fire & Security Discount -$107 $1,087
Hail Resistant Roof Discount -$24 $1,170
Newly Constructed Home Discount -$334 $860

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

Claim Type Average Claim Cost
General Claims
Water Damage $7,386
Hail Damage $5,103
Wind Damage $10,417
Expensive Claims
Fire $36,771
Accidental Discharge/Leakage $9,056
Optional Coverage Losses $8,485

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

Home Insurance Company Binghamton, NY Homeowners Insurance Agency Binghamton, NY Address Popularity Score Distance from Binghamton (miles)
State Farm John Barbieri 1115 Front St, Binghamton, NY, 13905-1161
3.2
Travelers Kolcun Insurance Agency Inc 144 North Jensen Rd, Vestal, NY, 13850
4.5
Travelers Hughson & Benson Associates 326 Main St, Oneonta, NY, 13820
50.0
Liberty Mutual Independent P W Wood & Son Inc 2333 N Triphammer Rd Ste 501 2333 N Triphammer Rd Ste 501 Ithaca, Ithaca, NY, 14850
39.6
Travelers Kolcun Insurance Agency Inc 144 N Jensen Rd , Vestal, NY, 13850
4.4
Allstate Dennis Smith 124 Washington Ave, Endicott, NY, 13760
7.1
Travelers Joseph P Gaetani 32 W State St Ste 201, Binghamton, NY, 13901
0.6
Allstate Michael Butler 205 Clinton St, Binghamton, NY, 13905
1.1
State Farm Diane Meeker 4501 Vestal Pkwy E Ste 2, Vestal, NY, 13850-3534
2.7
Travelers Rick Bongiorno Insurance 1309 1/2 Monroe St, Endicott, NY, 13760
7.1

Compare Rates for Binghamton, 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 $293,000 $1,164 $830 $1,640 $810
Broome County, NY $113,100 $1,205 $810 $1,650 $840
Binghamton, NY $87,500 $1,194 $860 $1,680 $820
Apalachin, NY $118,100 $601 $400 $820 $420
Berkshire, NY $97,100 $591 $430 $850 $420
Lathrop, PA $154,000 $713 $510 $1,010 $500
Sheshequin, PA $159,100 $723 $510 $1,030 $520
Erin, NY $93,400 $590 $410 $810 $400
Walton, NY $114,900 $943 $670 $1,340 $670
New Albany, PA $91,700 $573 $400 $810 $410
DeRuyter, NY $105,800 $593 $400 $820 $420
Honesdale, PA $121,000 $644 $440 $910 $470

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

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: October 29, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I have received thw best customer service and it has made the difference of the world. They really care and make things simple and easy to understand. Every time i have called in tjey treat me like a person.

Date: October 28, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
All of my experiences so far with customer service at USAA has been great. They are always very helpful in explaining things to me and never keep me waiting for too long.

Erie Insurance Home Insurance Reviews

Date: September 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
My insurance company provides all the coverage similar to other insurance providers. However, the premium is lower that their's. It saves a lot of money.


Allstate Home Insurance Reviews

Date: September 17, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
I am completely satisfied with the premium at my provider. Compared to those of other companies, it seems very affordable and low.

Nationwide Home Insurance Reviews

Date: October 07, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
Price wise Nationwide was very similar to other companies I shopped when it came to premiums and deductibles. Although I have had some issues with claims in the past they were willing to work with me.

Homesite Insurance Home Insurance Reviews

Date: May 24, 2019    Age: 20 to 29    Gender: Unmarried    Marital Status: Female

Customer Service
They have an amazing home insurance plan that is cheap yet it covers a lot. I live in the coal region of PA and they cover sink holes and various coal related issues with houses.

State Farm Home Insurance Reviews

Date: July 09, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
My premium is under $1,000 and my deductible is $500. The premium was incorporated into my mortgage loan so it makes it simple for me to pay each month.

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