Gavop's guide to buying homeowners insurance in Ogden, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $61,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $106,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $177,000 | $160,000 | $125,000-$150,000 |
| 4 Bedroom | $276,000 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $275,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $496 |
| Superior Protection Discount | -$61 | $551 |
| Fire & Security Discount | -$43 | $569 |
| Hail Resistant Roof Discount | -$12 | $600 |
| Newly Constructed Home Discount | -$122 | $490 |
| 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 |
| Monroe County | $1,000 | $605 | $1,605 | $439 | $1,439 | $165 |
| Ogden, NY | $2,500 | $605 | $3,105 | $439 | $2,939 | $165 |
| Clarendon, NY | $400 | $585 | $985 | $425 | $825 | $160 |
| Fairport, NY | $2,500 | $638 | $3,138 | $463 | $2,963 | $174 |
| Retsof, NY | $500 | $583 | $1,083 | $424 | $924 | $159 |
| West Bloomfield, NY | $1,500 | $596 | $2,096 | $433 | $1,933 | $163 |
| Orleans County, NY | $400 | $1,190 | $1,590 | $865 | $1,265 | $325 |
| Darien, NY | $2,500 | $643 | $3,143 | $467 | $2,967 | $176 |
| Mount Morris, NY | $100 | $584 | $684 | $424 | $524 | $160 |
| South Bristol, NY | $2,000 | $865 | $2,865 | $628 | $2,628 | $236 |
| Rapids, NY | $200 | $687 | $887 | $499 | $699 | $188 |
| Wayne County, NY | $1,000 | $1,190 | $2,190 | $865 | $1,865 | $325 |
| Home Insurance Company Ogden, NY | Homeowners Insurance Agency Ogden, NY | Address | Popularity Score | Distance from Ogden (miles) |
|---|---|---|---|---|
| Allstate | Yuliana Yurkevich | 1548 Buffalo Rd, Rochester, NY, 14624 | 6.3 | |
| Allstate | Gregory Lewis | 647 Pittsford Victor Rd, Pittsford, NY, 14534 | 18.6 | |
| State Farm | Nick Mieney | 4 South Ave, Hilton, NY, 14468-1308 | 8.2 | |
| Allstate | Antonio Gimmillaro | 401 Penbrooke Dr Ste L, Penfield, NY, 14526 | 19.1 | |
| Nationwide | Van Dyke Steve Agency Inc | 61 E Main St, Victor, NY, 14564-1301 | 24.3 | |
| Allstate | Gambino Family Agency | 3240 Chili Ave, Rochester, NY, 14624 | 5.5 | |
| Travelers | Churchville Agency Inc | 16 South Main St, Churchville, NY, 14428 | 5.8 | |
| Allstate | Rocco Distaffen | 251 W Ridge Rd, Rochester, NY, 14615 | 9.3 | |
| Travelers | Eastern Shore Associates | 1109 English Rd Ste D, Rochester, NY, 14616 | 8.3 | |
| State Farm | Chris Majchrzak | 3132 Walden Ave, Depew, NY, 14043-2729 | 48.7 |
| 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 | $840 | $1,650 | $810 |
| Monroe County, NY | $142,300 | $612 | $430 | $840 | $410 |
| Ogden, NY | $157,200 | $612 | $450 | $850 | $400 |
| Clarendon, NY | $101,600 | $592 | $400 | $810 | $410 |
| Fairport, NY | $173,500 | $645 | $430 | $920 | $490 |
| Retsof, NY | $87,700 | $590 | $410 | $810 | $400 |
| West Bloomfield, NY | $120,400 | $603 | $430 | $850 | $420 |
| Orleans County, NY | $93,600 | $1,205 | $810 | $1,670 | $860 |
| Darien, NY | $154,100 | $651 | $450 | $900 | $450 |
| Mount Morris, NY | $83,500 | $591 | $420 | $840 | $420 |
| South Bristol, NY | $230,000 | $875 | $640 | $1,210 | $570 |
| Rapids, NY | $173,700 | $695 | $510 | $990 | $480 |
| Wayne County, NY | $118,900 | $1,205 | $830 | $1,660 | $830 |