Gavop's guide to buying homeowners insurance in Lewis County, 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 | $46,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $112,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $90,500 | $70,000 | $100,000-$125,000 |
| 4 Bedroom | $219,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $199,500 | $170,000 | $175,000-$200,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$86 | $874 |
| Home and Two Car | -$154 | $806 |
| Home and Three Car | -$240 | $720 |
| 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 |
| Lewis County | $1,500 | $948 | $2,448 | $689 | $2,189 | $259 |
| Lewis County, NY | $700 | $948 | $1,648 | $689 | $1,389 | $259 |
| Denmark, NY | $300 | $629 | $929 | $457 | $757 | $172 |
| Constableville, NY | $1,500 | $586 | $2,086 | $426 | $1,926 | $160 |
| Rutland, NY | $400 | $641 | $1,041 | $466 | $866 | $175 |
| Ellisburg, NY | $500 | $615 | $1,115 | $447 | $947 | $168 |
| Ohio, NY | $1,500 | $583 | $2,083 | $424 | $1,924 | $159 |
| Altmar, NY | $300 | $609 | $909 | $442 | $742 | $166 |
| Henderson, NY | $2,000 | $692 | $2,692 | $503 | $2,503 | $189 |
| Cranberry Lake, NY | $200 | $722 | $922 | $525 | $725 | $197 |
| Vienna, NY | $2,500 | $940 | $3,440 | $683 | $3,183 | $257 |
| Home Insurance Company Lewis County, NY | Homeowners Insurance Agency Lewis County, NY | Address | Popularity Score | Distance from Lewis County (miles) |
|---|---|---|---|---|
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd, Whitesboro, NY, 13492 | 46.4 | |
| Liberty Mutual Independent | Scalzo Zogby & Wittig Inc | Campion Commons New Hartford Shopping Center, New Hartford, NY, 13413 | 49.8 | |
| Liberty Mutual Independent | Paul Chapman Insurance Agency Inc. | 1758 Burrstone Rd, New Hartford, NY, 13413 | 48.2 | |
| Allstate | Macilvennie & Brown Insurance Agency | 10868 Us Rt 11 Po Box 7, Adams, NY, 13605 | 29.0 | |
| Farmers | Thomas Trevvett | 2400 Genesee St, Utica, NY, 13502 | 49.2 | |
| State Farm | Tom Spaulding | 7518 S State St Ste 4, Lowville, NY, 13367-1536 | 2.4 | |
| Travelers | A T Matthews & Dier | 636 Coffeen Street, Watertown, NY, 13601 | 27.6 | |
| Nationwide | George F. Davis | 1063 Arsenal St., Watertown, NY, 13601-2306 | 28.0 | |
| Allstate | Bailey & Haskell | 169 Main St, Oneida, NY, 13421 | 48.7 | |
| State Farm | Christine Mccluskey | 430 Trenton Ave, Utica, NY, 13502-1614 | 47.4 |
| 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 | $1,650 | $850 |
| Lewis County, NY | $121,700 | $960 | $690 | $1,350 | $660 |
| Lewis County, NY | $121,700 | $960 | $650 | $1,320 | $670 |
| Denmark, NY | $146,400 | $637 | $460 | $870 | $410 |
| Constableville, NY | $79,200 | $593 | $430 | $840 | $410 |
| Rutland, NY | $153,000 | $649 | $450 | $900 | $450 |
| Ellisburg, NY | $136,400 | $622 | $440 | $860 | $420 |
| Ohio, NY | $94,400 | $590 | $400 | $810 | $410 |
| Altmar, NY | $52,700 | $616 | $450 | $850 | $400 |
| Henderson, NY | $175,800 | $700 | $480 | $990 | $510 |
| Cranberry Lake, NY | $187,500 | $731 | $530 | $1,010 | $480 |
| Vienna, NY | $99,800 | $952 | $650 | $1,320 | $670 |