Gavop shows you how to buy homeowners insurance in Endicott, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $51,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $88,000 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $157,000 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $235,000 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $138,000 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $783 |
| Superior Protection Discount | -$85 | $859 |
| Fire & Security Discount | -$104 | $840 |
| Hail Resistant Roof Discount | -$19 | $925 |
| Newly Constructed Home Discount | -$226 | $717 |
| 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 |
| Broome County | $700 | $1,190 | $1,890 | $865 | $1,565 | $325 |
| Endicott, NY | $1,500 | $932 | $2,432 | $677 | $2,177 | $255 |
| Little Meadows, PA | $300 | $634 | $934 | $461 | $761 | $173 |
| Willet, NY | $1,000 | $586 | $1,586 | $426 | $1,426 | $160 |
| Standing Stone, PA | $400 | $717 | $1,117 | $521 | $921 | $196 |
| Cincinnatus, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| McGraw, NY | $400 | $583 | $983 | $424 | $824 | $159 |
| Veteran, NY | $2,500 | $614 | $3,114 | $446 | $2,946 | $168 |
| Homer, NY | $200 | $577 | $777 | $419 | $619 | $158 |
| Ulysses, NY | $1,500 | $780 | $2,280 | $567 | $2,067 | $213 |
| Locke, NY | $500 | $589 | $1,089 | $428 | $928 | $161 |
| Hector, NY | $700 | $626 | $1,326 | $455 | $1,155 | $171 |
| Home Insurance Company Endicott, NY | Homeowners Insurance Agency Endicott, NY | Address | Popularity Score | Distance from Endicott (miles) |
|---|---|---|---|---|
| Travelers | Kolcun Insurance Agency Inc | 144 North Jensen Rd, Vestal, NY, 13850 | 3.5 | |
| State Farm | Frances Traficante | 138 Front St, Binghamton, NY, 13905-3197 | 7.5 | |
| Allstate | Edward Valdes | 365 Harry L Dr, Johnson City, NY, 13790 | 5.5 | |
| Travelers | Joseph P Gaetani | 32 W State St Ste 201, Binghamton, NY, 13901 | 8.2 | |
| State Farm | Diane Meeker | 4501 Vestal Pkwy E Ste 2, Vestal, NY, 13850-3534 | 5.2 | |
| Travelers | Rick Bongiorno Insurance | 1309 1/2 Monroe St, Endicott, NY, 13760 | 0.9 | |
| Allstate | Drickard Insurance | 4 S Washington Ave Ste 1, Oxford, NY, 13830 | 33.7 | |
| Allstate | Chenango Brokers | 65 W Front Street Ext, Hancock, NY, 13783 | 40.9 | |
| Allstate | Madhu (Maddy) Kothari | 1175 Vestal Ave, Binghamton, NY, 13903 | 7.7 | |
| State Farm | Dan Puglisi | 432 Harry L Drive, Johnson City, NY, 13790-1404 | 5.3 |
| 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 | $790 | $1,660 | $870 |
| Broome County, NY | $113,100 | $1,205 | $830 | $1,720 | $890 |
| Endicott, NY | $89,800 | $943 | $630 | $1,290 | $660 |
| Little Meadows, PA | $120,000 | $642 | $440 | $890 | $450 |
| Willet, NY | $79,100 | $593 | $430 | $840 | $410 |
| Standing Stone, PA | $160,600 | $726 | $500 | $1,010 | $510 |
| Cincinnatus, NY | $97,400 | $591 | $430 | $810 | $380 |
| McGraw, NY | $92,200 | $590 | $400 | $840 | $440 |
| Veteran, NY | $135,800 | $621 | $450 | $850 | $400 |
| Homer, NY | $140,500 | $584 | $410 | $810 | $400 |
| Ulysses, NY | $206,200 | $789 | $530 | $1,130 | $600 |
| Locke, NY | $110,800 | $596 | $410 | $820 | $410 |
| Hector, NY | $144,100 | $634 | $440 | $910 | $470 |