Gavop shows you how to buy homeowners insurance in Colesville, 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $96,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $107,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $176,000 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $97,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $818 |
| Superior Protection Discount | -$95 | $857 |
| Fire & Security Discount | -$67 | $885 |
| Hail Resistant Roof Discount | -$19 | $933 |
| Newly Constructed Home Discount | -$219 | $733 |
| 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 |
| Broome County | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Colesville, NY | $2,500 | $940 | $3,440 | $683 | $3,183 | $257 |
| Windsor, NY | $100 | $940 | $1,040 | $683 | $783 | $257 |
| Sanford, NY | $1,000 | $601 | $1,601 | $437 | $1,437 | $164 |
| Barker, NY | $400 | $588 | $988 | $427 | $827 | $161 |
| Hancock, NY | $700 | $588 | $1,288 | $427 | $1,127 | $161 |
| Lapeer, NY | $500 | $606 | $1,106 | $440 | $940 | $166 |
| Hamden, NY | $2,500 | $658 | $3,158 | $478 | $2,978 | $180 |
| Cortlandville, NY | $300 | $932 | $1,232 | $677 | $977 | $255 |
| Carbondale, PA | $2,500 | $723 | $3,223 | $526 | $3,026 | $198 |
| Otsego County, NY | $500 | $604 | $1,104 | $439 | $939 | $165 |
| Northeast Ithaca, NY | $700 | $946 | $1,646 | $687 | $1,387 | $258 |
| Home Insurance Company Colesville, NY | Homeowners Insurance Agency Colesville, NY | Address | Popularity Score | Distance from Colesville (miles) |
|---|---|---|---|---|
| Erie | Empire Agency | 57 Front Street, Binghamton, NY, 13905 | 14.9 | |
| Travelers | Kolcun Insurance Agency Inc | 144 North Jensen Rd, Vestal, NY, 13850 | 18.6 | |
| Allstate | Ernest Landers | 591 Conklin Rd, Binghamton, NY, 13903 | 12.2 | |
| Travelers | Acclaim Insurance Agency Inc | 121 Main St, Windsor, NY, 13865 | 7.0 | |
| Allstate | Edward Valdes | 365 Harry L Dr, Johnson City, NY, 13790 | 16.5 | |
| Liberty Mutual Independent | Neighbors Insurance | 5375 State Highway 7 Ste 2 , Sidney, NY, 13838 | 16.3 | |
| Allstate | Michael Butler | 205 Clinton St, Binghamton, NY, 13905 | 15.2 | |
| Travelers | Joseph P Gaetani | 32 W State Street Suite 201, Binghamton, NY, 13901 | 13.9 | |
| Travelers | Aa-Wyak Insurance Agency Inc | 7 Jarvis St, Binghamton, NY, 13905 | 15.3 | |
| Allstate | George Burkle Inc. | 32 Lower Main St # 218, Callicoon, NY, 12723 | 41.8 |
| 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 |
| Broome County, NY | $113,100 | $1,205 | $860 | $1,670 | $810 |
| Colesville, NY | $88,500 | $952 | $680 | $1,360 | $680 |
| Windsor, NY | $114,800 | $952 | $680 | $1,300 | $620 |
| Sanford, NY | $125,000 | $608 | $440 | $860 | $420 |
| Barker, NY | $109,500 | $595 | $430 | $840 | $410 |
| Hancock, NY | $108,900 | $595 | $430 | $850 | $420 |
| Lapeer, NY | $129,500 | $613 | $420 | $870 | $450 |
| Hamden, NY | $161,200 | $666 | $490 | $920 | $430 |
| Cortlandville, NY | $133,300 | $943 | $650 | $1,350 | $700 |
| Carbondale, PA | $88,500 | $732 | $490 | $1,020 | $530 |
| Otsego County, NY | $141,900 | $611 | $420 | $870 | $450 |
| Northeast Ithaca, NY | $249,900 | $957 | $640 | $1,320 | $680 |