Gavop's guide to buying homeowners insurance in Baldwinsville, 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 | $52,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $80,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $161,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $164,500 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $175,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$171 | $780 |
| Superior Protection Discount | -$86 | $866 |
| Fire & Security Discount | -$76 | $876 |
| Hail Resistant Roof Discount | -$19 | $933 |
| Newly Constructed Home Discount | -$247 | $704 |
| 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 |
| Baldwinsville, NY | $1,000 | $940 | $1,940 | $683 | $1,683 | $257 |
| Auburn, NY | $400 | $940 | $1,340 | $683 | $1,083 | $257 |
| Savannah, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Union Springs, NY | $100 | $601 | $701 | $437 | $537 | $164 |
| Williamstown, NY | $1,500 | $585 | $2,085 | $425 | $1,925 | $160 |
| Fenner, NY | $200 | $604 | $804 | $439 | $639 | $165 |
| Madison, NY | $500 | $591 | $1,091 | $429 | $929 | $161 |
| Torrey, NY | $1,000 | $658 | $1,658 | $478 | $1,478 | $180 |
| Ava, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| Adams, NY | $2,500 | $582 | $3,082 | $423 | $2,923 | $159 |
| Home Insurance Company Baldwinsville, NY | Homeowners Insurance Agency Baldwinsville, NY | Address | Popularity Score | Distance from Baldwinsville (miles) |
|---|---|---|---|---|
| State Farm | Steve Lamonica | 2601 West Genesee Street, Syracuse, NY, 13219-1541 | 9.7 | |
| Allstate | Joseph Zullo | 241 E Dominick St, Rome, NY, 13440 | 44.5 | |
| State Farm | Rich Woznicki | 7458 Oswego Rd, Liverpool, NY, 13090-3321 | 5.8 | |
| Nationwide | James P Martin | 8181 Turin Rd, Rome, NY, 13440-1911 | 44.5 | |
| Allstate | Andrew Sikora | 7496 Oswego Rd, Liverpool, NY, 13090 | 5.7 | |
| Liberty Mutual Independent | In Focus Advisors Inc | 8035 Oswego Road, Liverpool, NY, 13090 | 5.0 | |
| Allstate | George Dziados | 5500 Bartel Rd Ste 4, Brewerton, NY, 13029 | 11.1 | |
| Nationwide | Christopher M Hurley | 404 Chapel Dr, Syracuse, NY, 13219-1829 | 8.9 | |
| State Farm | Mary Walsh | 605 Old Liverpool Rd, Liverpool, NY, 13088-6032 | 8.5 | |
| Allstate | Phillip Tyler | 8406 Oswego Rd, Liverpool, NY, 13090 | 4.0 |
| 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 | $1,660 | $820 |
| Onondaga County, NY | $139,400 | $607 | $440 | $860 | $420 |
| Baldwinsville, NY | $118,700 | $952 | $690 | $1,320 | $630 |
| Auburn, NY | $97,800 | $952 | $680 | $1,340 | $660 |
| Savannah, NY | $84,500 | $591 | $400 | $810 | $410 |
| Union Springs, NY | $125,000 | $608 | $420 | $830 | $410 |
| Williamstown, NY | $81,600 | $592 | $430 | $820 | $390 |
| Fenner, NY | $128,200 | $611 | $430 | $860 | $430 |
| Madison, NY | $113,500 | $598 | $440 | $830 | $390 |
| Torrey, NY | $161,400 | $666 | $470 | $910 | $440 |
| Ava, NY | $99,500 | $591 | $410 | $810 | $400 |
| Adams, NY | $143,700 | $589 | $410 | $820 | $410 |