Gavop's guide to buying homeowners insurance in Erwin, 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 | $40,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $100,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $176,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $234,000 | $190,000 | $250,000-$300,000 |
| 5 Bedroom | $118,000 | $100,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$53 | $538 |
| Home and Two Car | -$101 | $491 |
| Home and Three Car | -$142 | $450 |
| 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 |
| Steuben County | $2,500 | $1,201 | $3,701 | $873 | $3,373 | $328 |
| Erwin, NY | $700 | $584 | $1,284 | $425 | $1,125 | $160 |
| Lawrenceville, PA | $500 | $580 | $1,080 | $421 | $921 | $158 |
| Millerton, PA | $2,000 | $657 | $2,657 | $477 | $2,477 | $180 |
| Canisteo, NY | $300 | $584 | $884 | $424 | $724 | $160 |
| Odessa, NY | $1,500 | $589 | $2,089 | $428 | $1,928 | $161 |
| Wellsboro, PA | $500 | $709 | $1,209 | $516 | $1,016 | $194 |
| Arkport, NY | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| Wayland, NY | $200 | $583 | $783 | $424 | $624 | $159 |
| Sweden, PA | $1,000 | $669 | $1,669 | $486 | $1,486 | $183 |
| Freeville, NY | $200 | $635 | $835 | $462 | $662 | $174 |
| Richmond, NY | $2,500 | $662 | $3,162 | $481 | $2,981 | $181 |
| Home Insurance Company Erwin, NY | Homeowners Insurance Agency Erwin, NY | Address | Popularity Score | Distance from Erwin (miles) |
|---|---|---|---|---|
| Allstate | Richardson And Stout Inc | 80 N Main St, Wellsville, NY, 14895 | 41.4 | |
| Nationwide | Bruce C Clary | 401 Elmira Rd Ste 8, Ithaca, NY, 14850-5120 | 37.3 | |
| State Farm | Bill Pope | 291 S Hamilton St, Painted Post, NY, 14870-9782 | 1.8 | |
| State Farm | Vernon Johnson | 341 Park Ave, Corning, NY, 14830-3425 | 5.4 | |
| Travelers | John W Taggart & Son | 18 Pulteney Sq W Ste 101, Bath, NY, 14810 | 16.3 | |
| Allstate | John W Taggart And Son | 18 W Pulteney Sq, Bath, NY, 14810 | 16.3 | |
| Nationwide | Terry S. Strauss | 103 Southside Drive Route 434, Owego, NY, 13827-1700 | 46.1 | |
| Travelers | Robert B Crowell Agency Inc | 22 Main St, Arkport, NY, 14807 | 33.5 | |
| Travelers | Dirado Insurance Agency Llc | 55 E Market St, Corning, NY, 14830 | 4.6 | |
| Nationwide | Cynthia C Green | 286 W Pulteney St, Corning, NY, 14830-2212 | 3.7 |
| 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 | $1,610 | $820 |
| Steuben County, NY | $95,300 | $1,215 | $870 | $1,710 | $840 |
| Erwin, NY | $145,400 | $591 | $400 | $820 | $420 |
| Lawrenceville, PA | $97,100 | $587 | $420 | $830 | $410 |
| Millerton, PA | $130,400 | $665 | $490 | $940 | $450 |
| Canisteo, NY | $84,800 | $591 | $430 | $850 | $420 |
| Odessa, NY | $110,600 | $596 | $420 | $820 | $400 |
| Wellsboro, PA | $156,100 | $718 | $510 | $1,010 | $500 |
| Arkport, NY | $88,800 | $590 | $430 | $830 | $400 |
| Wayland, NY | $93,800 | $590 | $430 | $810 | $380 |
| Sweden, PA | $136,100 | $677 | $460 | $940 | $480 |
| Freeville, NY | $149,500 | $643 | $460 | $910 | $450 |
| Richmond, NY | $163,300 | $670 | $460 | $930 | $470 |