Gavop's guide to buying homeowners insurance in Ontario County, 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $91,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $104,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $190,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $372,500 | $310,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $541 |
| Superior Protection Discount | -$64 | $573 |
| Fire & Security Discount | -$57 | $579 |
| Hail Resistant Roof Discount | -$13 | $624 |
| Newly Constructed Home Discount | -$165 | $471 |
| 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 |
| Ontario County | $1,000 | $629 | $1,629 | $457 | $1,457 | $172 |
| Ontario County, NY | $1,000 | $629 | $1,629 | $457 | $1,457 | $172 |
| Rushville, NY | $300 | $585 | $885 | $425 | $725 | $160 |
| Junius, NY | $2,000 | $583 | $2,583 | $424 | $2,424 | $159 |
| Henrietta, NY | $200 | $603 | $803 | $438 | $638 | $165 |
| Lyons, NY | $1,500 | $957 | $2,457 | $695 | $2,195 | $261 |
| Cohocton, NY | $400 | $586 | $986 | $426 | $826 | $160 |
| Reading, NY | $2,500 | $637 | $3,137 | $463 | $2,963 | $174 |
| Orange, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| North Hornell, NY | $700 | $614 | $1,314 | $446 | $1,146 | $168 |
| Jordan, NY | $400 | $584 | $984 | $424 | $824 | $160 |
| Hume, NY | $2,000 | $589 | $2,589 | $428 | $2,428 | $161 |
| Home Insurance Company Ontario County, NY | Homeowners Insurance Agency Ontario County, NY | Address | Popularity Score | Distance from Ontario County (miles) |
|---|---|---|---|---|
| Travelers | Ag Gaesser Agency, Inc. | 1220 Fairport Rd, Fairport, NY, 14450 | 18.9 | |
| State Farm | Rita Prince | 137 N Main St Ste 1, Fairport, NY, 14450-1463 | 18.6 | |
| Travelers | Bobby Insurance Agency Inc | 69 Empire Blvd, Rochester, NY, 14609 | 25.5 | |
| State Farm | Lino Reale | 98 W Main St, Victor, NY, 14564-1146 | 10.4 | |
| Allstate | Jay Haidari | 3366 Latta Rd Ste 4, Rochester, NY, 14612 | 34.4 | |
| Erie | Leighton Insurance Agency Inc. | 1 Grove Street Suite 122b, Pittsford, NY, 14534 | 19.7 | |
| Liberty Mutual Independent | The Flanders Group | 2850 Clover Street, Pittsford, NY, 14534 | 20.0 | |
| Travelers | Pinnacle Insurance Agency | 3255 Brighton-Henrietta Town Line Rd, Rochester, NY, 14623 | 21.9 | |
| Allstate | Frank L. Borrelli | 2820 Dewey Ave, Rochester, NY, 14616 | 30.4 | |
| State Farm | Mary Andrews | 171 Grant Ave Ste 4, Auburn, NY, 13021-1505 | 38.7 |
| 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 | $780 | $1,660 | $880 |
| Ontario County, NY | $156,500 | $636 | $450 | $900 | $450 |
| Ontario County, NY | $156,500 | $636 | $450 | $880 | $430 |
| Rushville, NY | $101,800 | $592 | $400 | $830 | $430 |
| Junius, NY | $94,400 | $590 | $400 | $840 | $440 |
| Henrietta, NY | $141,300 | $610 | $430 | $840 | $410 |
| Lyons, NY | $81,000 | $968 | $650 | $1,350 | $700 |
| Cohocton, NY | $78,800 | $593 | $410 | $820 | $410 |
| Reading, NY | $150,700 | $645 | $440 | $900 | $460 |
| Orange, NY | $86,600 | $591 | $430 | $820 | $390 |
| North Hornell, NY | $135,700 | $621 | $450 | $880 | $430 |
| Jordan, NY | $98,300 | $591 | $430 | $810 | $380 |
| Hume, NY | $73,800 | $596 | $430 | $820 | $390 |