Gavop shows you how to buy homeowners insurance in Niagara, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Niagara, 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 | |
| Hickory Ln, Recovery Rd, Maryland Ave, Thomas Ct, Fox Ave, Kirsch Dr, Woodside Pl, Juanita Dr, Anthony Dr, State Rte 182 | $155,500 | $120,000 | $125,000-$150,000 | $67,000 | $60,000 | $50,000-$75,000 |
| Homestead Ave, Factory Outlet Blvd, Panama St, Collins Ave, Beckwith Ave, Lincoln St, Tindal Ln, Wagner Dr, Sunnydale Dr, Spina Dr | $156,000 | $140,000 | $175,000-$200,000 | $96,500 | $80,000 | $75,000-$100,000 |
| Expy Vlg, Edgewood Dr, Hermitage St, Laur Rd, Colomba Dr, Tmark Dr, Blanchard Dr, Sadlo Dr, Jordan Dr, Joanne Cir N | $123,000 | $110,000 | $125,000-$150,000 | $95,500 | $90,000 | $75,000-$100,000 |
| 66th St, Manny Dr, Jackson Dr, Apple Ct, D St, Dell Dr, Theresa Ln, Greenview Rd, Ashwood Dr, Joris Ct | $148,000 | $130,000 | $125,000-$150,000 | $119,000 | $100,000 | $100,000-$125,000 |
| Sunnyside Dr, Lozina Dr, Rhode Island Ave, Seneca Pkwy, Nathan Dr, 4th Ave, W Creek Dr, Kay Ellen Dr, 1st Ave, Sycamore Dr | $71,000 | $60,000 | $50,000-$75,000 | $68,500 | $60,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $784 |
| Superior Protection Discount | -$97 | $871 |
| Fire & Security Discount | -$87 | $881 |
| Hail Resistant Roof Discount | -$29 | $939 |
| Newly Constructed Home Discount | -$271 | $697 |
| 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 | $1,500 | $1,180 | $2,680 | $857 | $2,357 | $322 |
| Niagara, NY | $700 | $957 | $1,657 | $695 | $1,395 | $261 |
| Youngstown, NY | $100 | $641 | $741 | $466 | $566 | $175 |
| Amherst, NY | $1,000 | $670 | $1,670 | $487 | $1,487 | $183 |
| Middleport, NY | $100 | $583 | $683 | $424 | $524 | $159 |
| Shelby, NY | $1,000 | $932 | $1,932 | $677 | $1,677 | $255 |
| East Aurora, NY | $200 | $677 | $877 | $492 | $692 | $185 |
| Lake Erie Beach, NY | $2,500 | $584 | $3,084 | $424 | $2,924 | $160 |
| Sunset Bay, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| Stafford, NY | $1,000 | $595 | $1,595 | $432 | $1,432 | $163 |
| Holley, NY | $100 | $585 | $685 | $425 | $525 | $160 |
| Wyoming, NY | $700 | $583 | $1,283 | $424 | $1,124 | $159 |
| Home Insurance Company Niagara, NY | Homeowners Insurance Agency Niagara, NY | Address | Popularity Score | Distance from Niagara (miles) |
|---|---|---|---|---|
| Allstate | Phillip Mastantuono | 419 Center St, Lewiston, NY, 14092 | 5.1 | |
| State Farm | Laura Capizzi | 2768 Niagara Fall Blvd, Niagara Falls, NY, 14304-4517 | 4.6 | |
| Allstate | The Keller Group Inc | 2706 Pine Ave, Niagara Falls, NY, 14301 | 2.8 | |
| Travelers | Bruce Lucsok Agency Inc | 6928 Williams Rd, Niagara Falls, NY, 14304 | 2.8 | |
| Travelers | Action Auto Agency | 2817 Genesee St, Cheektowaga, NY, 14225 | 16.7 | |
| State Farm | Jim Vastola | 1333 Strad Avenue, North Tonawanda, NY, 14120-3061 | 8.3 | |
| State Farm | Mike Neal | 2908 Military Rd, Niagara Falls, NY, 14304-1252 | 0.5 | |
| Farmers | Louis Croce | 3812 S Park Ave, Blasdell, NY, 14219 | 23.6 | |
| Nationwide | Barber Bill Agency Inc | 5857 Transit Rd, East Amherst, NY, 14051-1885 | 16.2 | |
| Allstate | Bryan Ripellino | 3346 Southwestern Blvd, Orchard Park, NY, 14127 | 25.0 |
| 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 | $800 | $1,620 | $820 |
| Niagara County, NY | $114,800 | $1,194 | $870 | $1,700 | $830 |
| Niagara, NY | $83,600 | $968 | $710 | $1,340 | $630 |
| Youngstown, NY | $152,900 | $649 | $470 | $890 | $420 |
| Amherst, NY | $186,600 | $678 | $450 | $940 | $490 |
| Middleport, NY | $89,000 | $590 | $400 | $830 | $430 |
| Shelby, NY | $82,600 | $943 | $670 | $1,310 | $640 |
| East Aurora, NY | $189,500 | $685 | $460 | $950 | $490 |
| Lake Erie Beach, NY | $98,600 | $591 | $410 | $840 | $430 |
| Sunset Bay, NY | $96,600 | $591 | $400 | $820 | $420 |
| Stafford, NY | $119,400 | $602 | $410 | $850 | $440 |
| Holley, NY | $81,000 | $592 | $400 | $850 | $450 |
| Wyoming, NY | $94,600 | $590 | $430 | $840 | $410 |