Gavop shows you how to buy homeowners insurance in Monroe County, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Monroe County, 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 | |
| Ellington Rd, Co Rd 97, Kingston Cir, Co Rd 154, Woodcock Dr, Wegman Rd, Acclaim Dr, Woodbriar Ln, Braddocks Ave, Smethwick Ct | $222,500 | $180,000 | $200,000-$250,000 | $187,500 | $160,000 | $150,000-$175,000 |
| Sanhurst Dr, Valley Cir, Meadow Creek Cir, I- 590, Waldorf Ave, John Leo Dr, Qualtrough Rd, Southwick Dr, Co Rd 249, Co Rd 226 | $115,000 | $90,000 | $125,000-$150,000 | $70,500 | $70,000 | $50,000-$75,000 |
| Circle Ct, Jackson St, Clark St, Bru Mar Dr, Co Rd 78, Noel Dr, Kinwood Ln, Co Rd 160, Hubbell Rd, Rosscommon Cres | $138,000 | $120,000 | $125,000-$150,000 | $85,500 | $70,000 | $75,000-$100,000 |
| Cottonwood Ln, Tall Tree Dr, Florenton Rd, Girton Pl, Willowbank Pl, Ketchum St, Falstaff Rd, Deertrack Ln, 6th St, E Buffalo St | $261,500 | $240,000 | $300,000-$350,000 | $153,500 | $130,000 | $125,000-$150,000 |
| Mildred St, Creekside Ln, Morin Cir, Mortimer Ave, Canasta Rd, Kenmore Ln, Chelmsford Rd, Maria St, Little Brook Dr, Petrossi Dr | $260,500 | $230,000 | $200,000-$250,000 | $156,000 | $130,000 | $150,000-$175,000 |
| Co Rd 49, Bay Knoll Rd, Schley Pl, Chili Center Coldwater Rd, Cloverwood Dr, Loughrea Ter, Hawthorne Pl, Grant St, Moulson St, de Mallie St | $63,500 | $60,000 | $50,000-$75,000 | $47,500 | $40,000 | $25,000-$50,000 |
| Nurmi Dr, Lazy Trl, Hanford Ave, Enwright Dr, Rye Rd, Pinewild Dr, Oxbow Rd, Misty Meadow Way, Hecla Aly, Wellington Rd | $289,000 | $260,000 | $250,000-$300,000 | $197,500 | $170,000 | $150,000-$175,000 |
| Pipin Dr, Stout St, Newbury St, Alonzo St, Moul Rd, Roosevelt Rd, Greenwood St, Lansing St, Morven Rd, Huntington Park | $197,500 | $170,000 | $150,000-$175,000 | $179,500 | $150,000 | $200,000-$250,000 |
| Westover Dr, Gardiner Park, Hawks Nest Cir, Savage Rd, Marion St, Clearview Ave, Broderick Dr, Warder Dr, Hard Rd, Woodale Dr | $112,000 | $90,000 | $100,000-$125,000 | $154,500 | $130,000 | $150,000-$175,000 |
| Bellwood Pl, Papermill St, Whitney Rd E, Lime St, Maryknoll Park, Westmar Dr, Green Acorn Ln, Loreto Ave, Stuyvesant Rd, Minocqua Dr | $228,000 | $220,000 | $200,000-$250,000 | $173,000 | $160,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $496 |
| Superior Protection Discount | -$61 | $551 |
| Fire & Security Discount | -$43 | $569 |
| Hail Resistant Roof Discount | -$18 | $594 |
| Newly Constructed Home Discount | -$141 | $471 |
| 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 | $2,000 | $605 | $2,605 | $439 | $2,439 | $165 |
| Monroe County, NY | $1,500 | $605 | $2,105 | $439 | $1,939 | $165 |
| Irondequoit, NY | $400 | $1,211 | $1,611 | $880 | $1,280 | $331 |
| Williamson, NY | $2,500 | $957 | $3,457 | $695 | $3,195 | $261 |
| Victor, NY | $300 | $825 | $1,125 | $600 | $900 | $225 |
| Avon, NY | $2,000 | $580 | $2,580 | $421 | $2,421 | $158 |
| West Bloomfield, NY | $300 | $596 | $896 | $433 | $733 | $163 |
| East Bloomfield, NY | $2,000 | $663 | $2,663 | $482 | $2,482 | $181 |
| Lakeville, NY | $100 | $641 | $741 | $466 | $566 | $175 |
| Rose, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| Wolcott, NY | $200 | $585 | $785 | $425 | $625 | $160 |
| Crystal Beach, NY | $2,000 | $616 | $2,616 | $447 | $2,447 | $168 |
| Home Insurance Company Monroe County, NY | Homeowners Insurance Agency Monroe County, NY | Address | Popularity Score | Distance from Monroe County (miles) |
|---|---|---|---|---|
| State Farm | Nick Mieney | 4 South Ave, Hilton, NY, 14468-1308 | 13.8 | |
| Travelers | Paul F Tilly Agency Llc | 1895 Rochester St, Lima, NY, 14485 | 38.7 | |
| Erie | Rachel E Francisco | 2858 Dewey Avenue, Rochester, NY, 14616 | 16.8 | |
| Allstate | Rocco Distaffen | 251 W Ridge Rd, Rochester, NY, 14615 | 18.4 | |
| Allstate | Sarah Denver | 133 Main St Ste 4, Geneseo, NY, 14454 | 46.9 | |
| State Farm | John Manser | 2121 E Main St, Rochester, NY, 14609-7506 | 21.7 | |
| Travelers | Eastern Shore Associates | 1109 English Rd Ste D, Rochester, NY, 14616 | 15.6 | |
| Allstate | Jeffrey Caufield | 10 Old Hojack Ln, Hilton, NY, 14468 | 13.7 | |
| Travelers | Eastern Shore Associates | 1109 English Rd Ste D , Rochester, NY, 14616 | 15.7 | |
| Travelers | First Niagara Insurance Agency | 777 Canal View Blvd Ste 100, Rochester, NY, 14623 | 25.6 |
| 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 | $450 | $860 | $410 |
| Monroe County, NY | $142,300 | $612 | $430 | $840 | $410 |
| Irondequoit, NY | $118,600 | $1,226 | $820 | $1,700 | $880 |
| Williamson, NY | $128,600 | $968 | $690 | $1,340 | $650 |
| Victor, NY | $258,200 | $835 | $580 | $1,140 | $560 |
| Avon, NY | $142,300 | $587 | $390 | $830 | $440 |
| West Bloomfield, NY | $120,400 | $603 | $400 | $860 | $460 |
| East Bloomfield, NY | $163,800 | $671 | $480 | $930 | $450 |
| Lakeville, NY | $152,800 | $649 | $470 | $930 | $460 |
| Rose, NY | $85,400 | $591 | $420 | $830 | $410 |
| Wolcott, NY | $80,500 | $592 | $430 | $820 | $390 |
| Crystal Beach, NY | $137,200 | $623 | $450 | $870 | $420 |