Gavop's guide to buying homeowners insurance in Royalton, 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 | $62,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $127,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $172,000 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $179,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $440,000 | $370,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $809 |
| Superior Protection Discount | -$95 | $857 |
| Fire & Security Discount | -$95 | $857 |
| Hail Resistant Roof Discount | -$29 | $923 |
| Newly Constructed Home Discount | -$276 | $676 |
| 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 | $700 | $1,180 | $1,880 | $857 | $1,557 | $322 |
| Royalton, NY | $1,500 | $940 | $2,440 | $683 | $2,183 | $257 |
| South Lockport, NY | $500 | $583 | $1,083 | $424 | $924 | $159 |
| Pendleton, NY | $2,500 | $714 | $3,214 | $519 | $3,019 | $195 |
| Kenmore, NY | $300 | $948 | $1,248 | $689 | $989 | $259 |
| Grand Island, NY | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| Clarendon, NY | $100 | $585 | $685 | $425 | $525 | $160 |
| Wyoming County, NY | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Eden, NY | $300 | $625 | $925 | $454 | $754 | $171 |
| Wethersfield, NY | $1,500 | $583 | $2,083 | $424 | $1,924 | $159 |
| Bliss, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| Livingston County, NY | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Home Insurance Company Royalton, NY | Homeowners Insurance Agency Royalton, NY | Address | Popularity Score | Distance from Royalton (miles) |
|---|---|---|---|---|
| Allstate | Janine Nudd | 30 N Main St, Brockport, NY, 14420 | 31.5 | |
| Travelers | M F Murphy Insurance Agency Inc | 111 Pine St, Lockport, NY, 14094 | 7.0 | |
| Erie | Fred Thomas Agency Inc. | 45 Main Street, Akron, NY, 14001 | 9.5 | |
| State Farm | David Fahrenholz | 10440 Main St, Clarence, NY, 14031-1627 | 12.1 | |
| Travelers | Bower Insurance Agency | 5668 S Transit Rd, Lockport, NY, 14094 | 7.2 | |
| Liberty Mutual Independent | Seaway Insurance Associates | 8645 Rochester Rd, Gasport, NY, 14067 | 3.2 | |
| State Farm | Sandi Sedgwick | 2201 Pine Ave, Niagara Falls, NY, 14301-2300 | 24.7 | |
| Travelers | Slack Insurance Agency | 441 Main St., Medina, NY, 14103 | 9.7 | |
| State Farm | Susan Oleksy | 1876 Nia Falls Blvd, Tonawanda, NY, 14150-6439 | 16.9 | |
| Travelers | Slack Insurance Agency | 441 Main St, Medina, NY, 14103 | 9.7 |
| 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 | $1,620 | $840 |
| Niagara County, NY | $114,800 | $1,194 | $870 | $1,680 | $810 |
| Royalton, NY | $113,600 | $952 | $660 | $1,300 | $640 |
| South Lockport, NY | $92,200 | $590 | $420 | $810 | $390 |
| Pendleton, NY | $184,400 | $723 | $490 | $1,000 | $510 |
| Kenmore, NY | $119,900 | $960 | $650 | $1,330 | $680 |
| Grand Island, NY | $193,700 | $697 | $500 | $980 | $480 |
| Clarendon, NY | $101,600 | $592 | $410 | $850 | $440 |
| Wyoming County, NY | $108,500 | $1,205 | $870 | $1,670 | $800 |
| Eden, NY | $167,700 | $632 | $460 | $870 | $410 |
| Wethersfield, NY | $91,800 | $590 | $410 | $810 | $400 |
| Bliss, NY | $87,400 | $591 | $410 | $850 | $440 |
| Livingston County, NY | $125,000 | $1,205 | $880 | $1,710 | $830 |