Gavop's guide to buying homeowners insurance in Riga, 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 | $60,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $113,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $139,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $295,000 | $270,000 | $250,000-$300,000 |
| 5 Bedroom | $220,500 | $210,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $513 |
| Superior Protection Discount | -$60 | $543 |
| Fire & Security Discount | -$54 | $549 |
| Hail Resistant Roof Discount | -$12 | $591 |
| Newly Constructed Home Discount | -$121 | $483 |
| 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 |
| Monroe County | $700 | $605 | $1,305 | $439 | $1,139 | $165 |
| Riga, NY | $700 | $596 | $1,296 | $433 | $1,133 | $163 |
| Clarkson, NY | $300 | $584 | $884 | $425 | $725 | $160 |
| Stafford, NY | $2,500 | $595 | $3,095 | $432 | $2,932 | $163 |
| Wadsworth, NY | $400 | $587 | $987 | $426 | $826 | $160 |
| South Lima, NY | $700 | $597 | $1,297 | $434 | $1,134 | $163 |
| Hemlock, NY | $100 | $586 | $686 | $426 | $526 | $160 |
| Medina, NY | $1,000 | $932 | $1,932 | $677 | $1,677 | $255 |
| Orangeville, NY | $300 | $610 | $910 | $443 | $743 | $167 |
| Aurora, NY | $700 | $641 | $1,341 | $466 | $1,166 | $175 |
| Yates County, NY | $400 | $932 | $1,332 | $677 | $1,077 | $255 |
| Waterloo, NY | $1,500 | $932 | $2,432 | $677 | $2,177 | $255 |
| Home Insurance Company Riga, NY | Homeowners Insurance Agency Riga, NY | Address | Popularity Score | Distance from Riga (miles) |
|---|---|---|---|---|
| Erie | Stahlka Agency Inc. | 6724 Main Street, Williamsville, NY, 14221 | 42.8 | |
| Allstate | Gambino Family Agency | 3240 Chili Ave, Rochester, NY, 14624 | 6.4 | |
| Travelers | Churchville Agency Inc | 16 South Main St, Churchville, NY, 14428 | 1.9 | |
| State Farm | Joe Czaja | 1021 Union Rd, West Seneca, NY, 14224-3401 | 47.9 | |
| Allstate | Joseph Parlato | 3358 Sheridan Dr, Amherst, NY, 14226 | 47.9 | |
| Farmers | Michael Ballone | 1892 Winton Rd S Ste 140, Rochester, NY, 14618 | 15.2 | |
| State Farm | Valerie Parillo | 3140 Sheridan Dr, Amherst, NY, 14226-1900 | 48.3 | |
| Liberty Mutual Independent | The Feltner Group | 191 S Union St, Spencerport, NY, 14559 | 8.6 | |
| Travelers | Slack Insurance Agency | 441 Main St., Medina, NY, 14103 | 27.8 | |
| Farmers | Debra Jones | 42 Nichols St Ste 7, Spencerport, NY, 14559 | 8.0 |
| 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 | $1,610 | $810 |
| Monroe County, NY | $142,300 | $612 | $430 | $880 | $450 |
| Riga, NY | $153,000 | $604 | $430 | $860 | $430 |
| Clarkson, NY | $145,500 | $591 | $400 | $820 | $420 |
| Stafford, NY | $119,400 | $602 | $430 | $850 | $420 |
| Wadsworth, NY | $77,600 | $594 | $410 | $840 | $430 |
| South Lima, NY | $121,600 | $604 | $430 | $830 | $400 |
| Hemlock, NY | $105,600 | $593 | $400 | $840 | $440 |
| Medina, NY | $71,300 | $943 | $630 | $1,310 | $680 |
| Orangeville, NY | $133,000 | $617 | $440 | $870 | $430 |
| Aurora, NY | $201,100 | $648 | $440 | $900 | $460 |
| Yates County, NY | $128,900 | $943 | $690 | $1,310 | $620 |
| Waterloo, NY | $77,800 | $943 | $690 | $1,290 | $600 |