Gavop's guide to buying homeowners insurance in Peru, 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.
| Peru, 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 | |
| Jenkins St, Mannix Rd, Arthur Rd, McGarr Rd, Hillside Dr, Knob Hill S, Union Rd, Bouchard Dr, Paine St, Washington St | $164,500 | $150,000 | $125,000-$150,000 | $110,000 | $100,000 | $75,000-$100,000 |
| Forrence Way, Jabez Allen Rd, Allen Hill Rd, River Rd, Peru Ln, Mason St, Durgan Rd, Carriage Hl, Town Park Rd, Garrett Way | $105,500 | $90,000 | $100,000-$125,000 | $119,500 | $110,000 | $100,000-$125,000 |
| Peasleeville Rd, Westcott Rd, George St, Denton Rd, Barney Downs Rd, Blaine Rd, Fox Farm Rd, Taylor Rd, Ratcliff Dr, Sullivan Rd | $154,000 | $120,000 | $125,000-$150,000 | $67,500 | $60,000 | $50,000-$75,000 |
| Howard Dr, Spit Fire Dr, State Rte 22B, Birchwood Dr, Bear Swamp Rd, Desotoll Way, Co Rd 39, Ormsby Cir, Fuller Rd, Mark Way | $191,000 | $170,000 | $150,000-$175,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Donahue Rd, Paine, Lewis St, Linda Way, Stewart Way, Brown Rd, Co Rd 35, Clark Rd, Glendado Dr, Alexander Rd | $121,500 | $110,000 | $100,000-$125,000 | $137,000 | $120,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$48 | $549 |
| Home and Two Car | -$96 | $502 |
| Home and Three Car | -$149 | $448 |
| 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 |
| Clinton County | $2,000 | $1,211 | $3,211 | $880 | $2,880 | $331 |
| Peru, NY | $1,000 | $590 | $1,590 | $429 | $1,429 | $161 |
| Bellmont, NY | $400 | $583 | $983 | $424 | $824 | $159 |
| Saranac Lake, NY | $1,500 | $616 | $2,116 | $447 | $1,947 | $168 |
| North Elba, NY | $200 | $690 | $890 | $501 | $701 | $189 |
| Huntington, VT | $1,000 | $820 | $1,820 | $596 | $1,596 | $224 |
| Franklin County, VT | $500 | $734 | $1,234 | $533 | $1,033 | $201 |
| Weybridge, VT | $1,000 | $896 | $1,896 | $651 | $1,651 | $245 |
| Duxbury, VT | $300 | $831 | $1,131 | $604 | $904 | $227 |
| Crown Point, NY | $2,000 | $597 | $2,597 | $434 | $2,434 | $163 |
| Bridport, VT | $300 | $799 | $1,099 | $581 | $881 | $218 |
| Constable, NY | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| Home Insurance Company Peru, NY | Homeowners Insurance Agency Peru, NY | Address | Popularity Score | Distance from Peru (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Northern Insuring Agency Inc | 171 Margaret St, Plattsburgh, NY, 12901 | 9.9 | |
| Allstate | Timothy Ruscio | 25 Plattsburgh Plz, Plattsburgh, NY, 12901 | 9.1 | |
| Travelers | Riverside Insurance Agency | 9665 State Route 9, Chazy, NY, 12921 | 22.2 | |
| Erie | Shumway Insurance Agency Inc. | 2 Cogan Avenue Suite 103, Plattsburgh, NY, 12901 | 9.0 | |
| Allstate | Beverly Peryea-Labarge | 34 Skyway Plz Ste 4, Plattsburgh, NY, 12901 | 8.9 | |
| Allstate | Patrick Kowalczyk | 336 W Main St, Malone, NY, 12953 | 40.6 | |
| Travelers | Rose & Kiernan Inc | 498 Route 3, Plattsburgh, NY, 12901 | 8.6 | |
| Allstate | Clark Forster | 85 Kent St, Keeseville, NY, 12944 | 6.7 | |
| State Farm | Chester Mazzone | 61 Smithfield Blvd, Plattsburgh, NY, 12901-2111 | 8.9 | |
| Travelers | Mlm Insurance Agency Inc | 192 Champlain Ave, Westport, NY, 12993 | 27.2 |
| 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 | $780 | $1,640 | $860 |
| Clinton County, NY | $129,000 | $1,226 | $890 | $1,680 | $790 |
| Peru, NY | $149,000 | $597 | $410 | $840 | $430 |
| Bellmont, NY | $91,100 | $590 | $400 | $810 | $410 |
| Saranac Lake, NY | $163,100 | $623 | $450 | $880 | $430 |
| North Elba, NY | $194,200 | $698 | $480 | $960 | $480 |
| Huntington, VT | $253,300 | $830 | $610 | $1,140 | $530 |
| Franklin County, VT | $209,100 | $743 | $500 | $1,030 | $530 |
| Weybridge, VT | $304,300 | $907 | $650 | $1,240 | $590 |
| Duxbury, VT | $261,000 | $841 | $570 | $1,150 | $580 |
| Crown Point, NY | $120,800 | $604 | $430 | $860 | $430 |
| Bridport, VT | $238,200 | $809 | $580 | $1,120 | $540 |
| Constable, NY | $91,300 | $590 | $430 | $830 | $400 |