Gavop shows you how to buy homeowners insurance in Lysander, 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 | $65,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $193,000 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $185,000 | $170,000 | $200,000-$250,000 |
| 4 Bedroom | $302,000 | $270,000 | $300,000-$350,000 |
| 5 Bedroom | $289,000 | $250,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $535 |
| Superior Protection Discount | -$65 | $588 |
| Fire & Security Discount | -$59 | $594 |
| Hail Resistant Roof Discount | -$13 | $640 |
| Newly Constructed Home Discount | -$131 | $522 |
| 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 |
| Lysander, NY | $1,000 | $645 | $1,645 | $469 | $1,469 | $176 |
| Baldwinsville, NY | $200 | $940 | $1,140 | $683 | $883 | $257 |
| Geddes, NY | $1,500 | $932 | $2,432 | $677 | $2,177 | $255 |
| Palermo, NY | $500 | $583 | $1,083 | $424 | $924 | $159 |
| Cayuga County, NY | $2,000 | $1,211 | $3,211 | $880 | $2,880 | $331 |
| Homer, NY | $100 | $577 | $677 | $419 | $519 | $158 |
| Blodgett Mills, NY | $400 | $586 | $986 | $426 | $826 | $160 |
| Madison, NY | $2,500 | $591 | $3,091 | $429 | $2,929 | $161 |
| Farmington, NY | $400 | $607 | $1,007 | $441 | $841 | $166 |
| Gorham, NY | $1,500 | $689 | $2,189 | $500 | $2,000 | $188 |
| Home Insurance Company Lysander, NY | Homeowners Insurance Agency Lysander, NY | Address | Popularity Score | Distance from Lysander (miles) |
|---|---|---|---|---|
| State Farm | Jim Lemessurier | 4922 West Seneca Turnpike, Syracuse, NY, 13215-2225 | 15.9 | |
| State Farm | Dick Lee | 8125 Oswego Rd, Liverpool, NY, 13090-1521 | 7.1 | |
| Liberty Mutual Independent | Eastern Shore Associates | 101 Cayuga Street, Fulton, NY, 13069 | 9.9 | |
| Erie | Benson Davis Insurance | 5325 Route 281, Homer, NY, 13077 | 37.2 | |
| State Farm | Rich Woznicki | 7458 Oswego Rd, Liverpool, NY, 13090-3321 | 8.6 | |
| Liberty Mutual Independent | In Focus Advisors Inc | 8035 Oswego Road, Liverpool, NY, 13090 | 7.3 | |
| Liberty Mutual Independent | Cleary Insurance Agency | 3720 Main St, Walworth, NY, 14568 | 45.5 | |
| Liberty Mutual Independent | In Focus Advisors Inc | 8035 Oswego Rd, Liverpool, NY, 13090 | 7.3 | |
| State Farm | Mary Walsh | 605 Old Liverpool Rd, Liverpool, NY, 13088-6032 | 11.4 | |
| State Farm | Paul Seymour | 3070 Belgium Rd, Baldwinsville, NY, 13027-9239 | 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 | $790 | $1,640 | $850 |
| Onondaga County, NY | $139,400 | $607 | $410 | $860 | $450 |
| Lysander, NY | $176,500 | $653 | $450 | $930 | $480 |
| Baldwinsville, NY | $118,700 | $952 | $640 | $1,350 | $710 |
| Geddes, NY | $128,300 | $943 | $680 | $1,310 | $630 |
| Palermo, NY | $94,300 | $590 | $410 | $830 | $420 |
| Cayuga County, NY | $120,000 | $1,226 | $870 | $1,750 | $880 |
| Homer, NY | $140,500 | $584 | $410 | $840 | $430 |
| Blodgett Mills, NY | $78,000 | $593 | $430 | $820 | $390 |
| Madison, NY | $113,500 | $598 | $410 | $820 | $410 |
| Farmington, NY | $158,800 | $615 | $440 | $870 | $430 |
| Gorham, NY | $174,800 | $697 | $500 | $1,000 | $500 |