Gavop tells you how to get the best homeowners insurance in Cortlandville, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $101,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $96,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $228,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $147,000 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $764 |
| Superior Protection Discount | -$94 | $849 |
| Fire & Security Discount | -$85 | $859 |
| Hail Resistant Roof Discount | -$19 | $925 |
| Newly Constructed Home Discount | -$236 | $708 |
| 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 |
| Cortland County | $700 | $1,190 | $1,890 | $865 | $1,565 | $325 |
| Cortlandville, NY | $700 | $932 | $1,632 | $677 | $1,377 | $255 |
| Lincklaen, NY | $200 | $591 | $791 | $429 | $629 | $161 |
| Georgetown, NY | $1,000 | $586 | $1,586 | $426 | $1,426 | $160 |
| Cazenovia, NY | $500 | $837 | $1,337 | $608 | $1,108 | $229 |
| North Norwich, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| De Witt, NY | $100 | $598 | $698 | $435 | $535 | $163 |
| Manlius, NY | $1,000 | $692 | $1,692 | $503 | $1,503 | $189 |
| Endicott, NY | $500 | $932 | $1,432 | $677 | $1,177 | $255 |
| Bridgeport, NY | $2,000 | $584 | $2,584 | $424 | $2,424 | $160 |
| Lenox, NY | $400 | $932 | $1,332 | $677 | $1,077 | $255 |
| Verona, NY | $700 | $957 | $1,657 | $695 | $1,395 | $261 |
| Home Insurance Company Cortlandville, NY | Homeowners Insurance Agency Cortlandville, NY | Address | Popularity Score | Distance from Cortlandville (miles) |
|---|---|---|---|---|
| Erie | Empire Agency | 57 Front Street, Binghamton, NY, 13905 | 36.5 | |
| State Farm | Chris Merta | 27 N Main St, Homer, NY, 13077-1314 | 3.9 | |
| Allstate | Edward Valdes | 365 Harry L Dr, Johnson City, NY, 13790 | 34.1 | |
| Travelers | Acclaim Insurance Agency Inc | 121 Main St, Windsor, NY, 13865 | 43.8 | |
| Erie | Benson Davis Insurance | 5325 Route 281, Homer, NY, 13077 | 5.2 | |
| Travelers | Tanner-Ibbotson Inc | 1109 Commons Ave, Cortland, NY, 13045 | 4.3 | |
| Travelers | R K Johnson & Associates Insurance Agency | 4921 West Genesee Street, Camillus, NY, 13031 | 31.1 | |
| State Farm | Al Myers | 38 Main St, Cortland, NY, 13045-2684 | 3.2 | |
| Liberty Mutual Independent | Finger Lakes Partners Llc | 62 Reed St, Geneva, NY, 14456 | 48.5 | |
| Allstate | Tregaskis Agency | 10 Central St Po Box 586, Moravia, NY, 13118 | 17.2 |
| 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 | $1,610 | $830 |
| Cortland County, NY | $113,900 | $1,205 | $830 | $1,660 | $830 |
| Cortlandville, NY | $133,300 | $943 | $680 | $1,300 | $620 |
| Lincklaen, NY | $70,500 | $598 | $420 | $830 | $410 |
| Georgetown, NY | $79,400 | $593 | $400 | $810 | $410 |
| Cazenovia, NY | $261,200 | $847 | $580 | $1,160 | $580 |
| North Norwich, NY | $96,900 | $591 | $400 | $840 | $440 |
| De Witt, NY | $153,700 | $605 | $430 | $840 | $410 |
| Manlius, NY | $184,200 | $700 | $470 | $990 | $520 |
| Endicott, NY | $89,800 | $943 | $650 | $1,340 | $690 |
| Bridgeport, NY | $87,100 | $591 | $400 | $810 | $410 |
| Lenox, NY | $117,100 | $943 | $650 | $1,300 | $650 |
| Verona, NY | $113,300 | $968 | $660 | $1,370 | $710 |