Gavop shows you how to buy homeowners insurance in Cazenovia, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $64,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $144,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $145,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $262,000 | $240,000 | $300,000-$350,000 |
| 5 Bedroom | $235,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $711 |
| Superior Protection Discount | -$76 | $771 |
| Fire & Security Discount | -$93 | $754 |
| Hail Resistant Roof Discount | -$17 | $830 |
| Newly Constructed Home Discount | -$246 | $601 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,344 |
| Hail Damage | $4,476 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $16,553 |
| Home Insurance Company Cazenovia, NY | Homeowners Insurance Agency Cazenovia, NY | Address | Popularity Score | Distance from Cazenovia (miles) |
|---|---|---|---|---|
| Travelers | Mcdowell Insurance Agency | 133 Albany Street , Cazenovia, NY, 13035 | 1.1 | |
| Travelers | Mcdowell Insurance Agency | 133 Albany St, Cazenovia, NY, 13035 | 1.2 | |
| Liberty Mutual Independent | Scalzo Zogby & Wittig Inc | Campion Commons New Hartford Shopping Center, New Hartford, NY, 13413 | 31.0 | |
| State Farm | Mike Nichiporuk | 105 Nelson St, Cazenovia, NY, 13035-1351 | 1.3 | |
| Travelers | M L Croad Insurance Agency | 200 E Garden St, Rome, NY, 13440 | 29.6 | |
| State Farm | Jim Kennedy | 2530 James St, Syracuse, NY, 13206-2823 | 16.4 | |
| State Farm | Tom Salzberg | 179 W Seneca St, Manlius, NY, 13104-2438 | 8.5 | |
| Travelers | First Niagara Insurance Agency | 126 N Salina St Ste 400, Syracuse, NY, 13202 | 17.4 | |
| GEICO | Lori Myers | 2735 Erie Boulevard East, Syracuse, NY, 13224 | 15.2 | |
| State Farm | John Ivory | 323 Nottingham Rd, Syracuse, NY, 13210-3453 | 14.8 |
| 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 | $800 | $1,640 | $840 |
| Madison County, NY | $132,800 | $1,194 | $820 | $1,710 | $890 |
| Cazenovia, NY | $261,200 | $847 | $570 | $1,200 | $630 |
| Westvale, NY | $145,700 | $591 | $410 | $820 | $410 |
| Verona, NY | $113,300 | $968 | $710 | $1,370 | $660 |
| Taylor, NY | $98,600 | $591 | $410 | $840 | $430 |
| Kirkland, NY | $177,400 | $655 | $480 | $930 | $450 |
| Clark Mills, NY | $86,500 | $591 | $430 | $850 | $420 |
| Lee, NY | $129,800 | $960 | $690 | $1,350 | $660 |
| Winfield, NY | $111,600 | $597 | $410 | $850 | $440 |
| Barneveld, NY | $132,500 | $617 | $450 | $850 | $400 |
| New Lisbon, NY | $122,800 | $606 | $420 | $840 | $420 |
| German Flatts, NY | $82,500 | $968 | $670 | $1,330 | $660 |