Syracuse, NY Homeowners Insurance - How To Buy Guide

Gavop shows you how to buy homeowners insurance in Syracuse, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Estimate Appropriate Syracuse, NY Home Insurance Coverage Levels | Back to Top

Syracuse, 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
Mountainview Ave, Bender St, Robincroft Rd, Crestview Ter, Andrews St, 39, Yale Ave, Nelson St, Grandview Ave, Ulster St $158,500 $130,000 $125,000-$150,000 $148,500 $120,000 $125,000-$150,000
Blaine St, Renwick Ave, Annetta St, N Geddes St, Duane St, 2nd North St, Onondaga Creek Blvd, Slocum Ave, Conifer Dr, Greenland Dr $77,000 $60,000 $75,000-$100,000 $50,000 $50,000 $50,000-$75,000
University Pl, Hood Ave, E Water St, Harvard Pl, Moore Ave, Bradford Pkwy, Montgomery St, Winton St, Wall St, Chavez Ter $104,500 $100,000 $100,000-$125,000 $101,000 $80,000 $100,000-$125,000
Claire Rd, Costello Ct, Alanson Rd, Seward St, Mark Ave, E Water St, Saturn Dr, 228, Ulster St, Westcott St $115,500 $110,000 $100,000-$125,000 $90,500 $80,000 $75,000-$100,000
N Midler Ave, Spring Ln, University Ave, Griffin St, Herald Pl, Crysler St, Girard Ave, Wadsworth St, Newbury Hollow Ln, Longmeadow Dr $151,500 $140,000 $150,000-$175,000 $63,500 $50,000 $50,000-$75,000
Sunnycrest Rd, Harding St, Stolp Ave, Fire Ln, Delaware St, W End Dr, Hurlburt Rd, Glahn Ave, E Raynor Ave, Mooney Ave $85,000 $80,000 $75,000-$100,000 $71,500 $70,000 $75,000-$100,000
Stolp Ave, Dundee Dr, Eastman Ave, Stone Ct, Martin St, Erie St, Stafford Ave, Sherman St, Charmouth Dr, Scott Ave $165,000 $150,000 $125,000-$150,000 $118,000 $100,000 $75,000-$100,000
Walter Dr, Oriskany Dr, Putnam St, Lepage Pl, Seeley Ave, E Clover Rd, Kane Rd, Sedgwick St, Landon Ave, Knapp Rd $135,500 $110,000 $100,000-$125,000 $148,000 $130,000 $150,000-$175,000

Choose the Best Syracuse, NY Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 500-549 Credit Score $25 to 50,000 3 Pets, Non-Smoker $890
Unemployed 600-649 Credit Score No Income 1 Pet, Non-Smoker $280
Freelancer 650-699 Credit Score >$150,000 2 Pets, Non-Smoker $340

Choose the Right Deductible for your Syracuse, NY Home | Back to Top

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
New York $200 $1,420 $1,620 $1,180 $1,380 $240
Onondaga County, NY $700 $730 $1,230 $620 $1,320 $-90
Syracuse, NY $1,000 $330 $830 $290 $1,290 $-460
LaFayette, NY $200 $850 $1,050 $740 $940 $110
Brewerton, NY $1,500 $510 $1,010 $420 $1,920 $-910
Oneida, NY $200 $490 $690 $400 $600 $90
Richland, NY $1,000 $450 $950 $380 $1,380 $-430
Rome, NY $400 $490 $890 $420 $820 $70
Kirkland, NY $1,000 $580 $1,080 $490 $1,490 $-410
Plymouth, NY $500 $440 $940 $360 $860 $80
Interlaken, NY $700 $390 $890 $310 $1,010 $-120
McDonough, NY $200 $380 $580 $300 $500 $80
Smithville, NY $1,000 $470 $970 $390 $1,390 $-420

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

Home Insurance Company Syracuse, NY Homeowners Insurance Agency Syracuse, NY Address Popularity Score Distance from Syracuse (miles)
Allstate June P. Birrittella 119 E Union St, Newark, NY, 14513
48.2
Farmers Joyce E. Felder 7085 Manlius Center Rd, East Syracuse, NY, 13057
5.8
Allstate John L Spencer Ii 6585 Kinne Rd, De Witt, NY, 13214
3.9
Liberty Mutual Independent Paul Chapman Insurance Agency Inc. 1758 Burrstone Rd, New Hartford, NY, 13413
43.7
Travelers R K Johnson & Associates Insurance Agency 4921 West Genesee Street, Camillus, NY, 13031
5.6
State Farm Dick Lee 8125 Oswego Rd, Liverpool, NY, 13090-1521
9.7
Liberty Mutual Independent First Niagara Risk Management 126 N Salina St Ste 400, Syracuse, NY, 13202
0.9
State Farm Rick Harmon 100 Intrepid Ln Ste 3, Syracuse, NY, 13205-2546
2.7
State Farm David Herrington 5005 E Genesee St, Fayetteville, NY, 13066-1640
4.6
State Farm Pat Best 201 N Townsend St, Syracuse, NY, 13203-2338
0.8

Compare Rates for Syracuse, NY Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
New York $295,300 $1,240 $840 $1,760 $920
Onondaga County, NY $131,700 $720 $500 $1,000 $500
Syracuse, NY $85,900 $360 $260 $510 $250
LaFayette, NY $158,200 $890 $630 $1,240 $610
Brewerton, NY $135,200 $730 $530 $1,000 $470
Oneida, NY $100,200 $580 $410 $790 $380
Richland, NY $89,600 $460 $330 $650 $320
Rome, NY $88,300 $410 $280 $590 $310
Kirkland, NY $159,000 $730 $530 $1,040 $510
Plymouth, NY $91,800 $370 $250 $530 $280
Interlaken, NY $81,100 $390 $260 $550 $290
McDonough, NY $74,900 $420 $300 $580 $280
Smithville, NY $89,000 $370 $270 $520 $250

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

Share a review on your home insurance company


Erie Insurance Home Insurance Reviews

Date: September 20, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Dwelling, Personal Property, Loss of Use, Personal Liability, Medical Payments to Others, Premises Alarm System Applies, Multi-Policy Discount, Advanced Quote Discount


Date: August 31, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Communication
I would prefer phone communication with customer service rather than mail or email only communication, especially for re-enrollment and policy changes.

Date: August 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
While I would rate the customer service 5 stars while shopping and getting the insurance initially, the customer service since hasn't been as wonderful. Instead of mailing and automatically re-enrolling me for the same policies and same coverage, I would have preferred a customer service representative call me so I had someone to speak to over the phone.

Date: May 14, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I'm very pleased with my yearly premium. While comparatively shopping for homeowners insurance, my monthly premium is almost half of what other big name insurance companies (like progressive and Allstate) would charge for the same, if not less, coverage.

Date: November 19, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Website/App
I like the website - it is intuitive and easy to navigate. I hold multiple policies, they are all in one place and easy to review. I can view my payment history and billing history as well as print policy summaries as needed. However, there is no app, which is a downside.

Farmer's Insurance Home Insurance Reviews

Date: September 17, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
Their customer service is exceptional, they are patient, knowledgeable and do not rush you through your issues. they resolve any issues you may have very quickly.

Date: August 25, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
Farmers are very thorough and utilize all of the communication methods you have provided them until they get hold of you.

Date: August 06, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
All personal items, computers furniture, guns, clothes, furnishings, rugs, coin and other collections, pictures, paintings, appliances, the dwelling, garage, outdoor furniture, grills,


Date: July 28, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
The premium is very reasonable, more reasonable than others I have used. I have used Nationwide, Cotton States, State Farm and a couple of others.

Date: May 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
Their website is easy to navigate, brief and to the point, has all of the contact information I needed and offers ticklers for products that I may need.

USAA Home Insurance Reviews

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

Customer Service
I would rate the customer service at USAA as a 5 hands down. I have never had any sort of bad experience with them. They always go the extra mile and anticipate my needs.

Date: April 08, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Our deductible is comparable to other home insurance policies for the same coverage. We also have been able to receives discounts by bundling our auto insurance with them as well.

Date: January 26, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
USAA has been a great company to do business with. They are very polite when I speak to them on the phone and appear to be concerned with my home and myself.

Date: January 25, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
It's about the same with the deductible. I can't really remember off hand what our deductible is but if anything goes wrong in our home in the next year we will have to pay more for the insurance. The premium is much lower because of the discounts and because of the bundle.

Homesite Insurance Home Insurance Reviews

Date: September 12, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
It's usually good they tell me enough ahead of time in case something were to happen and I've never failed to get a response if there has been any kind of an issue.

Date: August 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I don't have any bad things to say they usually make things very easy and the web services are easy to use with an auto enrollment pay style I don't do much with them.

Date: July 28, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
It's actually pretty comprehensive and covers most of the items in my home against a variety of different things. The only things not covered would be in a flood or normal breakdown of the parts.


Allstate Home Insurance Reviews

Date: February 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
they give you good discount if will get home and car insurance together and also they have online points program


Date: January 17, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I didn't do much shopping around with other policies, but the offerings they have is about the same as all of the others. It's just nice to have a face to talk to when I have an issue.


Affinity Health Plan Home Insurance Reviews

Date: December 26, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
When I have spoken with my insurance company's customer service they have been courteous and helpful. They have worked with me regarding problems that have arisen and have answered my questions.

21st Century Home Insurance Home Insurance Reviews

Date: November 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I have gotten quotes from several other home insurance companies and they offered more coverage with a lesser premium, $300 less.. I have not switched yet. I will be. I am satisifed with the other insurance companies coverage/premium but not mine.

State Farm Home Insurance Reviews

Date: November 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I rarely use the website accept to make payments on occasion. It's easy to maneuver, but I use mostly automatic payments. I also may use it when I need to check premiums coverage.