Gavop's guide to buying homeowners insurance in Westmoreland, 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 | $52,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $111,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $203,500 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $201,500 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $264,000 | $240,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$54 | $547 |
| Home and Two Car | -$102 | $499 |
| Home and Three Car | -$138 | $463 |
| 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 |
| Oneida County | $2,000 | $1,201 | $3,201 | $873 | $2,873 | $328 |
| Westmoreland, NY | $700 | $594 | $1,294 | $431 | $1,131 | $162 |
| Rome, NY | $500 | $1,211 | $1,711 | $880 | $1,380 | $331 |
| Oneida Castle, NY | $1,000 | $594 | $1,594 | $432 | $1,432 | $162 |
| Prospect, NY | $500 | $583 | $1,083 | $424 | $924 | $159 |
| Sherburne, NY | $1,000 | $587 | $1,587 | $426 | $1,426 | $160 |
| Port Leyden, NY | $400 | $584 | $984 | $424 | $824 | $160 |
| Pittsfield, NY | $1,000 | $585 | $1,585 | $425 | $1,425 | $160 |
| Montague, NY | $400 | $584 | $984 | $424 | $824 | $160 |
| Phoenix, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Milford, NY | $200 | $620 | $820 | $451 | $651 | $170 |
| German, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Home Insurance Company Westmoreland, NY | Homeowners Insurance Agency Westmoreland, NY | Address | Popularity Score | Distance from Westmoreland (miles) |
|---|---|---|---|---|
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd, Whitesboro, NY, 13492 | 7.7 | |
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd Ste 4w, Whitesboro, NY, 13492 | 7.7 | |
| Allstate | Kristy Garcia | 146 Genesee St, New Hartford, NY, 13413 | 8.1 | |
| State Farm | Dick Lee | 8125 Oswego Rd, Liverpool, NY, 13090-1521 | 40.0 | |
| Allstate | Dionisio (Dion) Roman Jr. | 627 French Rd, New Hartford, NY, 13413 | 8.8 | |
| Travelers | Parsons & Associates | Galleries Of Syr-Suite 704 440 South Warren St, Syracuse, NY, 13202 | 36.1 | |
| Allstate | Dominic Fiorello | 6175 State Route 31, Cicero, NY, 13039 | 32.9 | |
| Travelers | Brown & Brown Empire State | 500 Plum Street Suite 200, Syracuse, NY, 13204 | 36.4 | |
| Allstate | Fernando Moreno | 512 N Main St, Syracuse, NY, 13212 | 34.5 | |
| State Farm | Dan Meehan | 2023 Sunset Ave, Utica, NY, 13502-5516 | 9.5 |
| 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 | $1,620 | $770 |
| Oneida County, NY | $120,000 | $1,215 | $860 | $1,660 | $800 |
| Westmoreland, NY | $151,100 | $601 | $430 | $850 | $420 |
| Rome, NY | $94,900 | $1,226 | $850 | $1,680 | $830 |
| Oneida Castle, NY | $118,000 | $601 | $440 | $820 | $380 |
| Prospect, NY | $95,200 | $590 | $400 | $810 | $410 |
| Sherburne, NY | $106,300 | $594 | $410 | $810 | $400 |
| Port Leyden, NY | $87,400 | $591 | $430 | $810 | $380 |
| Pittsfield, NY | $102,500 | $592 | $410 | $820 | $410 |
| Montague, NY | $97,500 | $591 | $430 | $830 | $400 |
| Phoenix, NY | $87,300 | $591 | $400 | $810 | $410 |
| Milford, NY | $140,600 | $628 | $450 | $900 | $450 |
| German, NY | $84,600 | $591 | $430 | $820 | $390 |