How Can I Make My Syracuse, NY Home Insurance Cheaper
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-$175,000 |
Estimate your Savings with Home Insurance Discounts in Syracuse, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$191 | $1,003 |
| Superior Protection Discount | -$107 | $1,087 |
| Fire & Security Discount | -$131 | $1,063 |
| Hail Resistant Roof Discount | -$24 | $1,170 |
| Newly Constructed Home Discount | -$346 | $848 |
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 |
| Onondaga County | $700 | $600 | $1,300 | $436 | $1,136 | $164 |
| Syracuse, NY | $1,000 | $1,180 | $2,180 | $857 | $1,857 | $322 |
| LaFayette, NY | $200 | $662 | $862 | $481 | $681 | $181 |
| Brewerton, NY | $1,500 | $625 | $2,125 | $454 | $1,954 | $171 |
| Oneida, NY | $200 | $948 | $1,148 | $689 | $889 | $259 |
| Richland, NY | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Rome, NY | $400 | $1,211 | $1,611 | $880 | $1,280 | $331 |
| Kirkland, NY | $1,000 | $647 | $1,647 | $470 | $1,470 | $177 |
| Plymouth, NY | $500 | $586 | $1,086 | $426 | $926 | $160 |
| Interlaken, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| McDonough, NY | $200 | $584 | $784 | $424 | $624 | $160 |
| Smithville, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
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
| 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 | $850 | $1,620 | $770 |
| Onondaga County, NY | $139,400 | $607 | $430 | $860 | $430 |
| Syracuse, NY | $91,100 | $1,194 | $820 | $1,660 | $840 |
| LaFayette, NY | $163,100 | $670 | $460 | $950 | $490 |
| Brewerton, NY | $143,900 | $633 | $430 | $890 | $460 |
| Oneida, NY | $110,000 | $960 | $660 | $1,370 | $710 |
| Richland, NY | $102,900 | $960 | $680 | $1,320 | $640 |
| Rome, NY | $94,900 | $1,226 | $880 | $1,730 | $850 |
| Kirkland, NY | $177,400 | $655 | $470 | $940 | $470 |
| Plymouth, NY | $104,500 | $593 | $410 | $810 | $400 |
| Interlaken, NY | $83,800 | $591 | $400 | $810 | $410 |
| McDonough, NY | $85,700 | $591 | $400 | $840 | $440 |
| Smithville, NY | $98,500 | $591 | $430 | $850 | $420 |
Research Home Insurance Companies Reviews in Syracuse, NY Before Buying | Back to Top
Share a review on your home insurance company
Farmer's Insurance Home Insurance Reviews
Date: July 13, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
Our premiums went down while our deductibles stayed pretty much the same. We were able to get more coverage.
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: September 17, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
The premiums and deductibles are fair. I often compare them to other insurance companies and they are always one of the lowest and are rarely out of the top 3 that I compare them to.
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.
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.
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.
Progressive Home Insurance Reviews
Date: August 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Our premium is lower than our last insurance company, but our deductible is slightly higher in order to get the premium down lower.
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.