How Can I Make My Amherst, NY Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Amherst, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Amherst, NY Home Insurance Coverage Levels | Back to Top
| Amherst, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Campus Dr N, Lynn Lea St, S Forest Rd, Hubbardston Pl, Opal Ct, Bramblewood Ln, Copper Hts, Maricrest Dr, S Castlerock Ln, Monroe Dr | $221,000 | $180,000 | $250,000-$300,000 | $144,000 | $130,000 | $150,000-$175,000 |
| 3rd St, Lawnwood Dr, Trellis Ln, Brandon Ct, Lyrae Dr, Bradenham Pl, Irvington Dr, Pearce Dr, Lakewood Pkwy, Saber Ln | $179,500 | $160,000 | $125,000-$150,000 | $185,500 | $160,000 | $175,000-$200,000 |
| Newgate Rd, Lorfield Dr, Ayer Rd, Cambridge Sq, Skinnersville Rd, Sudbury Ln, E Spring St, Milton St, Heritage Rd W, Topaz Ct | $151,000 | $130,000 | $125,000-$150,000 | $166,500 | $140,000 | $175,000-$200,000 |
| Williamsburg Sq, Redbud Ct, Stonington Ln, Drummond Ct, Delta Rd, Reist St, Peppertree Dr, Cimarand Dr, Parkledge Dr, Belvoir Rd | $150,000 | $130,000 | $125,000-$150,000 | $194,500 | $160,000 | $150,000-$175,000 |
| Homecrest Dr, Fawn Meadows Ct, Amherstdale Rd, Collins Ln, Hedge Ct, Bramble Rd, Adrian Ave, San Pablo Ct, E Robinson Rd, Windham Way | $191,000 | $170,000 | $150,000-$175,000 | $138,500 | $120,000 | $100,000-$125,000 |
| Eagle St, Primrose Ln, Harbridge Manor, Twin Bridge Ln, Eagle Oaks Ct, Glen Eagle Ct, Sean Riley Ct, Old Farm Cir, Sweetwood Dr, Farber Lakes Dr | $182,000 | $170,000 | $150,000-$175,000 | $128,500 | $110,000 | $125,000-$150,000 |
| S Ellicott St, Boca Pl, Sweetwood Dr N, New Rd, Foxberry Dr S, Lockhart Cir, Forest Edge Dr, Cambridge Blvd, Pfohl Pl, Kristen Meadows | $107,500 | $100,000 | $75,000-$100,000 | $89,000 | $80,000 | $75,000-$100,000 |
| Country Pkwy, Via Pinto Dr, Meadow Stream Dr, Sundridge Dr, Joe McCarthy Dr, Buxton Ct, S Youngs Rd, Campus Ln, Ridge Ct N, Saratoga Rd | $164,000 | $150,000 | $175,000-$200,000 | $93,000 | $80,000 | $100,000-$125,000 |
| N Castlerock Ln, Jupiter Ln, Pino Verde Ln, Windermere Blvd, Knotty Pine Ct, Brian Ave, Woodhaven Rd, Rumson Rd, Captiva Ln, Eagle St | $299,500 | $250,000 | $200,000-$250,000 | $130,500 | $110,000 | $125,000-$150,000 |
| Bauman Rd, Greencastle Ln, N Harvest St, Rolling Meadow Ln, Millbrook Dr, Robin Hill Dr, Cape Henry Ln, Roman Ln, Garnet Rd, Patrice Ter | $141,500 | $130,000 | $150,000-$175,000 | $92,500 | $80,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Amherst, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $556 |
| Superior Protection Discount | -$68 | $610 |
| Fire & Security Discount | -$54 | $624 |
| Hail Resistant Roof Discount | -$14 | $664 |
| Newly Constructed Home Discount | -$142 | $536 |
Choose the Right Deductible for your Amherst, NY Home | Back to Top
| 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 |
| Erie County | $1,000 | $601 | $1,601 | $437 | $1,437 | $164 |
| Amherst, NY | $1,500 | $670 | $2,170 | $487 | $1,987 | $183 |
| Elma, NY | $500 | $723 | $1,223 | $525 | $1,025 | $198 |
| Alexander, NY | $1,000 | $598 | $1,598 | $434 | $1,434 | $163 |
| Brant, NY | $500 | $606 | $1,106 | $440 | $940 | $166 |
| Covington, NY | $2,000 | $590 | $2,590 | $429 | $2,429 | $161 |
| Orleans County, NY | $300 | $1,190 | $1,490 | $865 | $1,165 | $325 |
| Greigsville, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Caledonia, NY | $200 | $605 | $805 | $439 | $639 | $165 |
| New Albion, NY | $1,000 | $592 | $1,592 | $430 | $1,430 | $162 |
| Mount Morris, NY | $100 | $584 | $684 | $424 | $524 | $160 |
| Spencerport, NY | $1,000 | $632 | $1,632 | $460 | $1,460 | $173 |
Identify Top Home Insurance Agents near Amherst, NY | Back to Top
| Home Insurance Company Amherst, NY | Homeowners Insurance Agency Amherst, NY | Address | Popularity Score | Distance from Amherst (miles) |
|---|---|---|---|---|
| Travelers | Mc Mazzara Agency Inc | 1201 Colvin Blvd Ste 2, Tonawanda, NY, 14223 | 5.8 | |
| State Farm | Maria Zawilski | 5899 S Park Ave, Hamburg, NY, 14075-3738 | 19.3 | |
| Travelers | Floss Agency Inc | 6465 Transit Road, East Amherst, NY, 14051 | 3.2 | |
| Allstate | Edwin F. Heary | 7170 Boston State Rd, Hamburg, NY, 14075 | 22.4 | |
| Allstate | Karen Butterson | 982 Maple Rd, Williamsville, NY, 14221 | 1.5 | |
| Allstate | Wayne Levan | 8770 Transit Rd, East Amherst, NY, 14051 | 3.1 | |
| Travelers | Potter Harris & Scherrer Agency | 8810 Main Street, Williamsville, NY, 14221 | 5.7 | |
| State Farm | Tamaris Lott | 2631 Main St, Buffalo, NY, 14214-2015 | 6.5 | |
| State Farm | Steve Strothman | 192 E Main St Ste 1, Fredonia, NY, 14063-1455 | 48.6 | |
| Travelers | Badger & Gunner Inc | 24 Pine Street, East Aurora, NY, 14052 | 18.4 |
Compare Rates for Amherst, NY Home Insurance Providers | Back to Top
| 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 |
| Erie County, NY | $139,900 | $608 | $410 | $860 | $450 |
| Amherst, NY | $186,600 | $678 | $450 | $970 | $520 |
| Elma, NY | $228,900 | $732 | $500 | $1,000 | $500 |
| Alexander, NY | $121,800 | $605 | $410 | $830 | $420 |
| Brant, NY | $129,200 | $613 | $420 | $850 | $430 |
| Covington, NY | $111,800 | $597 | $420 | $820 | $400 |
| Orleans County, NY | $93,600 | $1,205 | $820 | $1,650 | $830 |
| Greigsville, NY | $86,500 | $591 | $430 | $850 | $420 |
| Caledonia, NY | $128,300 | $612 | $410 | $840 | $430 |
| New Albion, NY | $68,800 | $599 | $430 | $820 | $390 |
| Mount Morris, NY | $83,500 | $591 | $430 | $840 | $410 |
| Spencerport, NY | $148,100 | $640 | $440 | $910 | $470 |
Research Home Insurance Companies Reviews in Amherst, NY Before Buying | Back to Top
Share a review on your home insurance company
Homesite Insurance Home Insurance Reviews
Date: October 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I always have good customer service with them whether it is online or in person, everyone is friendly and helpful.
Date: September 01, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
Very friendly and helpful people all around. they are also well informed and competent for the job and have great attitudes.
Date: August 31, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Policy Offerings
Everything is covered from loss of use, other structures, garage, plumbing heating electrical. Injuries to visitors and pet injuries as well. We are very well covered and have a good agent.
Date: July 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
We just redid our insurance and the agent went above and beyond to get us a low premium especially since they were competing with other companies.
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I have never tried their website because I don't need to, the company has great service and I prefer to pay by phone or go to the office.
State Farm Home Insurance Reviews
Date: September 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I think that the company's service is fine although we haven't had to use it for any emergency issues up until this point. The company has a good reputation so it shouldn't be an issue.
Date: September 19, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I think my premium is a little less than other companies. We shopped around 2 years ago and found what we thought was the best price for the service and company that we wanted.
Date: September 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
We haven't had to communicate with my company in an emergency situation yet but the rest of our communication has been fine.
Date: September 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
My home and it's contents are covered by my home policy. Also covered, to a more limited extent are other peoples property as well as electronics and jewelry.
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
I like that it's available 24 hours a day and that I can ask my local agent to contact me via the website and app.
USAA Home Insurance Reviews
Date: April 17, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
We pay significantly less for more coverage than we have in the past with other companies.
Date: February 13, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
When looking at the premium and deductible of my policy, it is fairly close to what other insurance policies offer, however, I have worked with this company for a while so I am more comfortable with it.
Date: January 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
USAA has lower premiums and deductibles than the industry standard do to be a military only insurance. If you bundle your vehicle with home insurance you save 10%. The company also issues dividends
Date: January 26, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
The policy offerings provided by my insurance company offer competitive premium rates that I am unable to secure with other companies. The offerings have adjusted to my needs as the size of my home and the contents have changed throughout the years. I feel confident in knowing that I am receiving a quality product at a competitive price.
Date: January 12, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
USAA is the only insurance provider I've had. However, I have coworkers whose insurance did not work as fast or effectively as my USAA did.
Allstate Home Insurance Reviews
Date: October 17, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
The website of my insurance company allows me to see all the options offered to me in my insurance plan and the app is very easy to use
American National Property and Casualty Company Home Insurance Reviews
Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Compared to other companies, I would say my company is comparable. For the amount of the home along with the vehicles that are on the same insurance, they have nearly the same rate. I am completely satisfied with my insurance company.