Gavop's guide to buying homeowners insurance in Lockport, 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 | $33,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $85,000 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $137,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $134,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $179,500 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $818 |
| Superior Protection Discount | -$86 | $866 |
| Fire & Security Discount | -$67 | $885 |
| Hail Resistant Roof Discount | -$29 | $923 |
| Newly Constructed Home Discount | -$266 | $685 |
| 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 |
| Niagara County | $2,000 | $1,180 | $3,180 | $857 | $2,857 | $322 |
| Lockport, NY | $1,000 | $940 | $1,940 | $683 | $1,683 | $257 |
| Wanakah, NY | $100 | $629 | $729 | $457 | $557 | $172 |
| Murray, NY | $1,500 | $583 | $2,083 | $424 | $1,924 | $159 |
| Bethany, NY | $500 | $595 | $1,095 | $432 | $932 | $163 |
| Holland, NY | $700 | $635 | $1,335 | $462 | $1,162 | $174 |
| North Collins, NY | $500 | $602 | $1,102 | $437 | $937 | $164 |
| Cattaraugus, NY | $700 | $583 | $1,283 | $424 | $1,124 | $159 |
| Silver Springs, NY | $100 | $589 | $689 | $428 | $528 | $161 |
| Sunset Bay, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| Piffard, NY | $200 | $585 | $785 | $425 | $625 | $160 |
| Cuylerville, NY | $700 | $586 | $1,286 | $426 | $1,126 | $160 |
| Home Insurance Company Lockport, NY | Homeowners Insurance Agency Lockport, NY | Address | Popularity Score | Distance from Lockport (miles) |
|---|---|---|---|---|
| Travelers | Bower Insurance Agency | 5668 S Transit Rd , Lockport, NY, 14094 | 1.3 | |
| Travelers | M F Murphy Insurance Agency Inc | 111 Pine St, Lockport, NY, 14094 | 0.3 | |
| Travelers | M F Murphy Insurance Agency Inc | 111 Pine St, Lockport, NY, 14094 | 0.3 | |
| Travelers | Bower Insurance Agency | 5668 S Transit Rd, Lockport, NY, 14094 | 1.3 | |
| Travelers | Paul J Aswad Agency | 7703 Niagara Falls Blvd, Niagara Falls, NY, 14304 | 15.2 | |
| Liberty Mutual Independent | Lawley Genesee Llc | 20 Jefferson Avenue, Batavia, NY, 14020 | 28.4 | |
| Allstate | Nathaniel Tyler | 1835 N Union St, Spencerport, NY, 14559 | 45.7 | |
| Liberty Mutual Independent | Seaway Insurance Associates | 8645 Rochester Rd, Gasport, NY, 14067 | 7.3 | |
| State Farm | Jeff Scherrer | 770 Davison Rd Ste B, Lockport, NY, 14094-5230 | 1.8 | |
| State Farm | Jennifer Warren | 8407 Boston State Rd, Boston, NY, 14025-9632 | 35.6 |
| 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 | $850 | $1,640 | $790 |
| Niagara County, NY | $114,800 | $1,194 | $800 | $1,680 | $880 |
| Lockport, NY | $88,500 | $952 | $690 | $1,360 | $670 |
| Wanakah, NY | $146,300 | $637 | $430 | $890 | $460 |
| Murray, NY | $95,000 | $590 | $400 | $840 | $440 |
| Bethany, NY | $119,000 | $602 | $430 | $850 | $420 |
| Holland, NY | $149,400 | $643 | $430 | $910 | $480 |
| North Collins, NY | $125,700 | $609 | $410 | $860 | $450 |
| Cattaraugus, NY | $87,600 | $590 | $400 | $820 | $420 |
| Silver Springs, NY | $73,200 | $596 | $400 | $850 | $450 |
| Sunset Bay, NY | $96,600 | $591 | $430 | $810 | $380 |
| Piffard, NY | $102,300 | $592 | $430 | $820 | $390 |
| Cuylerville, NY | $104,200 | $593 | $430 | $820 | $390 |