Gavop's guide to buying homeowners insurance in Warsaw, 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 | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $87,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $139,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $134,500 | $110,000 | $150,000-$175,000 |
| 5 Bedroom | $234,000 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $784 |
| Superior Protection Discount | -$87 | $881 |
| Fire & Security Discount | -$68 | $900 |
| Hail Resistant Roof Discount | -$19 | $949 |
| Newly Constructed Home Discount | -$281 | $687 |
| 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 |
| Wyoming County | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Warsaw, NY | $700 | $957 | $1,657 | $695 | $1,395 | $261 |
| Gainesville, NY | $100 | $586 | $686 | $426 | $526 | $160 |
| Elma, NY | $2,500 | $723 | $3,223 | $525 | $3,025 | $198 |
| Churchville, NY | $100 | $609 | $709 | $442 | $542 | $166 |
| Machias, NY | $1,500 | $584 | $2,084 | $424 | $1,924 | $160 |
| Spencerport, NY | $2,000 | $632 | $2,632 | $460 | $2,460 | $173 |
| North Gates, NY | $100 | $592 | $692 | $430 | $530 | $162 |
| Amherst, NY | $1,000 | $670 | $1,670 | $487 | $1,487 | $183 |
| Lockport, NY | $400 | $940 | $1,340 | $683 | $1,083 | $257 |
| Hartland, NY | $1,000 | $586 | $1,586 | $426 | $1,426 | $160 |
| Home Insurance Company Warsaw, NY | Homeowners Insurance Agency Warsaw, NY | Address | Popularity Score | Distance from Warsaw (miles) |
|---|---|---|---|---|
| Travelers | Gurney Becker & Bourne | 506 Delaware Avenue Rm 200, Buffalo, NY, 14202 | 39.3 | |
| State Farm | Jackie Ortiz | 225 Alexander St, Rochester, NY, 14607-4009 | 39.3 | |
| Travelers | Robert E Schaff Ltd | 33 Central Ave , Lancaster, NY, 14086 | 29.6 | |
| State Farm | Michael Cook | 19 E Pearl St, Wellsville, NY, 14895-1133 | 43.5 | |
| State Farm | Mark Lewis | 8331 Lewiston Rd, Batavia, NY, 14020-1200 | 19.2 | |
| Travelers | Gpa Insurance Agency Inc | 520 Lee Entrance Suite 120, Amherst, NY, 14228 | 37.9 | |
| Liberty Mutual Independent | Lawley Genesee Llc | 20 Jefferson Avenue, Batavia, NY, 14020 | 18.3 | |
| Allstate | Lauren Williams | 794 Spencerport Rd, Rochester, NY, 14606 | 36.8 | |
| State Farm | Rich Voci | 2394 Ridgeway Ave, Rochester, NY, 14626-4112 | 38.1 | |
| Erie | Burke & Byrne & Associates Inc. | 1780 Union Road, West Seneca, NY, 14224 | 32.6 |
| 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 | $830 | $1,620 | $790 |
| Wyoming County, NY | $108,500 | $1,205 | $880 | $1,710 | $830 |
| Warsaw, NY | $111,500 | $968 | $690 | $1,330 | $640 |
| Gainesville, NY | $78,600 | $593 | $430 | $810 | $380 |
| Elma, NY | $228,900 | $732 | $530 | $1,000 | $470 |
| Churchville, NY | $132,000 | $616 | $440 | $870 | $430 |
| Machias, NY | $100,200 | $591 | $430 | $830 | $400 |
| Spencerport, NY | $148,100 | $640 | $440 | $920 | $480 |
| North Gates, NY | $115,200 | $599 | $440 | $820 | $380 |
| Amherst, NY | $186,600 | $678 | $470 | $970 | $500 |
| Lockport, NY | $88,500 | $952 | $660 | $1,350 | $690 |
| Hartland, NY | $105,900 | $593 | $410 | $840 | $430 |