Gavop's guide to buying homeowners insurance in Chenango 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.
| Chenango County, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Old State Rte 12, Blackman Rd, Spruce Ln, Park Ave, Echo Lake Spr, Moran Rd, Union St, Mechanic St, Turner St, Griffin Rd | $111,500 | $90,000 | $125,000-$150,000 | $106,500 | $90,000 | $100,000-$125,000 |
| John Graham Rd, Latimer Rd, W Cayuga Rd, Wahlberg Rd, Dublin Rd, Pleasant St, Union Valley Rd, Wilkinson Rd, Buttermilk Falls Rd, Horton Rd | $98,500 | $80,000 | $100,000-$125,000 | $117,500 | $100,000 | $100,000-$125,000 |
| Co Rd 18, Co Rte 19, Deerfield Ln N, Pierce Ln, Aikens Rd, Trestle Hucklebon Rd, Kemak Rd, Co Rd 35, Ireland Rd, Hovey Rd | $164,000 | $150,000 | $125,000-$150,000 | $73,000 | $70,000 | $50,000-$75,000 |
| Frye Rd, South St, Windy Hill Ln, Lower Country Estates, Sears Pond Rd, Grotsinger Rd, Cooley Lake Rd, Co Rd 15, New Berlin Hts, Beach Ln | $124,500 | $110,000 | $100,000-$125,000 | $120,500 | $110,000 | $100,000-$125,000 |
| Liberatore Ln, Co Rd 21, Cummings Rd, Stone Quarry Hill Rd, State Rte 12B, Pearl St Exd, Co Rd 32A, Stone Hill Rd, Perkins Ln, Hogsback Rd | $103,000 | $90,000 | $100,000-$125,000 | $121,500 | $110,000 | $100,000-$125,000 |
| Branch Rd, Shumway Hill Rd, Harry Lynk Ln, Cornel Dr, Mountain View Rd, Virginia Ln, Goodman Ln, Stone Quarry Rd, Waldon Rd, Liddle Ln | $105,000 | $90,000 | $100,000-$125,000 | $123,000 | $110,000 | $100,000-$125,000 |
| Canasawacta Ter, Newton Town Rd, Rundell Rd, Meadow Dr, Suncrest Terrace Rd, State Rte 80, Hakes Calhoun Davis Rd, Webb Rd, Foundry St, George Beardsley Rd | $120,500 | $100,000 | $125,000-$150,000 | $79,500 | $70,000 | $75,000-$100,000 |
| Utica Rd, Hobos Ln, Mead Pond Park Exd, Corbin Rd, Newton Rd, Pine Crest Ln, Washington Park, Leon Cumber Rd, Ingraham Rd, Aurora Dr | $101,000 | $90,000 | $100,000-$125,000 | $121,500 | $110,000 | $100,000-$125,000 |
| Pat Farley Rd, Country Club Ln, Willard St, Joslyn Rd, Ettrich Ln, Jackson Hill Rd, Quinn Rd, Lingee Rd, Beech St, Clossen Rd | $117,500 | $100,000 | $125,000-$150,000 | $101,500 | $90,000 | $75,000-$100,000 |
| Lake Lorraine Ln, Kil Tul Rd, Webb Rd, Miller Shumway Rd, Lenroc Ln, Court St, Meadow Ln, Campbell Rd, Reynolds Hill Rd, October Hill Ln | $126,000 | $120,000 | $125,000-$150,000 | $88,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$215 | $979 |
| Superior Protection Discount | -$107 | $1,087 |
| Fire & Security Discount | -$131 | $1,063 |
| Hail Resistant Roof Discount | -$36 | $1,158 |
| Newly Constructed Home Discount | -$311 | $884 |
| 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 |
| Chenango County | $700 | $1,180 | $1,880 | $857 | $1,557 | $322 |
| Chenango County, NY | $2,500 | $1,180 | $3,680 | $857 | $3,357 | $322 |
| Smithville Flats, NY | $300 | $584 | $884 | $424 | $724 | $160 |
| Earlville, NY | $2,000 | $584 | $2,584 | $424 | $2,424 | $160 |
| Otego, NY | $300 | $610 | $910 | $443 | $743 | $167 |
| Berkshire, NY | $2,000 | $584 | $2,584 | $424 | $2,424 | $160 |
| Smithfield, NY | $300 | $589 | $889 | $428 | $728 | $161 |
| Bridgewater, NY | $1,000 | $585 | $1,585 | $425 | $1,425 | $160 |
| Tioga County, NY | $200 | $1,201 | $1,401 | $873 | $1,073 | $328 |
| Canastota, NY | $2,000 | $591 | $2,591 | $429 | $2,429 | $161 |
| Sullivan, NY | $200 | $581 | $781 | $422 | $622 | $159 |
| Decatur, NY | $1,000 | $645 | $1,645 | $469 | $1,469 | $176 |
| Home Insurance Company Chenango County, NY | Homeowners Insurance Agency Chenango County, NY | Address | Popularity Score | Distance from Chenango County (miles) |
|---|---|---|---|---|
| State Farm | Matt Harrington | 15 Genesee St # B, Greene, NY, 13778-1246 | 13.9 | |
| State Farm | Chris Merta | 27 N Main St, Homer, NY, 13077-1314 | 31.0 | |
| Liberty Mutual Independent | Neighbors Insurance | 288 State Highway 7, Sidney, NY, 13838 | 16.0 | |
| Travelers | Kolcun Insurance Agency Inc | 144 N Jensen Rd , Vestal, NY, 13850 | 33.6 | |
| Liberty Mutual Independent | Neighbors Insurance | 5375 State Highway 7 Ste 2 , Sidney, NY, 13838 | 16.0 | |
| Travelers | Rick Bongiorno Insurance | 1309 1/2 Monroe St, Endicott, NY, 13760 | 35.1 | |
| Allstate | Drickard Insurance | 4 S Washington Ave Ste 1, Oxford, NY, 13830 | 3.3 | |
| Liberty Mutual Independent | First Niagara Risk Management | 126 N Salina Street Suite 400, Syracuse, NY, 13202 | 47.7 | |
| Allstate | Gates-Cole Assoc | 372 W Main St, West Winfield, NY, 13491 | 34.4 | |
| State Farm | John Ivory | 323 Nottingham Road, Syracuse, NY, 13210-3453 | 45.2 |
| 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 | $1,620 | $830 |
| Chenango County, NY | $95,900 | $1,194 | $870 | $1,700 | $830 |
| Chenango County, NY | $95,900 | $1,194 | $870 | $1,710 | $840 |
| Smithville Flats, NY | $100,500 | $591 | $410 | $850 | $440 |
| Earlville, NY | $85,500 | $591 | $400 | $840 | $440 |
| Otego, NY | $132,400 | $617 | $440 | $860 | $420 |
| Berkshire, NY | $97,100 | $591 | $410 | $810 | $400 |
| Smithfield, NY | $110,800 | $596 | $440 | $830 | $390 |
| Bridgewater, NY | $81,800 | $592 | $420 | $850 | $430 |
| Tioga County, NY | $113,000 | $1,215 | $890 | $1,740 | $850 |
| Canastota, NY | $113,300 | $598 | $410 | $840 | $430 |
| Sullivan, NY | $143,000 | $588 | $400 | $830 | $430 |
| Decatur, NY | $154,800 | $653 | $480 | $910 | $430 |