Gavop's guide to buying homeowners insurance in Waterloo, 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 | $44,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $66,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $88,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $202,500 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $221,000 | $180,000 | $175,000-$200,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$85 | $859 |
| Home and Two Car | -$160 | $783 |
| Home and Three Car | -$217 | $726 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,537 |
| Hail Damage | $4,524 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $17,222 |
| Home Insurance Company Waterloo, NY | Homeowners Insurance Agency Waterloo, NY | Address | Popularity Score | Distance from Waterloo (miles) |
|---|---|---|---|---|
| Allstate | John Cassetta | 1880 E Ridge Rd Suite 5 Lower Level, Rochester, NY, 14622 | 38.4 | |
| Erie | J James Wolfe Agency Inc. | 196 S Main Street, Canandaigua, NY, 14424 | 18.8 | |
| State Farm | Jim Bruning | 69 Fall St, Seneca Falls, NY, 13148-1408 | 5.9 | |
| Allstate | Carl Helbig | 510 Pre Emption Rd, Geneva, NY, 14456 | 5.9 | |
| Nationwide | Jacqueline Gleichauf | 2453 Lyell Rd., Rochester, NY, 14606-5321 | 43.0 | |
| State Farm | Lori Mullen | 6848 E Genesee St, Fayetteville, NY, 13066-1085 | 44.5 | |
| Liberty Mutual Independent | Mgm Associates | 1745 Penfield Rd, Penfield, NY, 14526 | 32.3 | |
| Liberty Mutual Independent | Marshall & Sterling Inc. | 205 Saint Paul St Suite 105, Rochester, NY, 14604 | 39.1 | |
| Liberty Mutual Independent | Barry York Inc | 271 Marsh Rd Ste 3, Pittsford, NY, 14534 | 31.4 | |
| State Farm | Ed Tasker | 3030 Monroe Ave Ste 210, Rochester, NY, 14618-4604 | 34.6 |
| 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 | $830 | $1,640 | $810 |
| Seneca County, NY | $98,400 | $1,215 | $870 | $1,730 | $860 |
| Waterloo, NY | $77,800 | $943 | $690 | $1,290 | $600 |
| Torrey, NY | $161,400 | $666 | $490 | $940 | $450 |
| Butler, NY | $88,400 | $590 | $400 | $830 | $430 |
| Owasco, NY | $179,700 | $710 | $520 | $980 | $460 |
| Milo, NY | $113,600 | $968 | $670 | $1,380 | $710 |
| Genoa, NY | $143,000 | $632 | $430 | $870 | $440 |
| Groton, NY | $131,200 | $943 | $670 | $1,300 | $630 |
| Fulton, NY | $78,200 | $960 | $690 | $1,320 | $630 |
| Freeville, NY | $149,500 | $643 | $460 | $920 | $460 |
| Sand Ridge, NY | $72,700 | $596 | $400 | $820 | $420 |
| North Gates, NY | $115,200 | $599 | $400 | $850 | $450 |