Gavop's guide to buying homeowners insurance in Shelby, 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 | $49,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $113,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $108,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $221,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $150,000 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $774 |
| Superior Protection Discount | -$85 | $859 |
| Fire & Security Discount | -$104 | $840 |
| Hail Resistant Roof Discount | -$28 | $915 |
| Newly Constructed Home Discount | -$198 | $745 |
| 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 |
| Orleans County | $1,500 | $1,190 | $2,690 | $865 | $2,365 | $325 |
| Shelby, NY | $1,500 | $932 | $2,432 | $677 | $2,177 | $255 |
| Ridgeway, NY | $500 | $957 | $1,457 | $695 | $1,195 | $261 |
| Pembroke, NY | $1,000 | $635 | $1,635 | $462 | $1,462 | $174 |
| Pendleton, NY | $300 | $714 | $1,014 | $519 | $819 | $195 |
| Bergen, NY | $700 | $596 | $1,296 | $433 | $1,133 | $163 |
| Grand Island, NY | $400 | $688 | $1,088 | $500 | $900 | $188 |
| Niagara Falls, NY | $2,000 | $1,211 | $3,211 | $880 | $2,880 | $331 |
| North Gates, NY | $400 | $592 | $992 | $430 | $830 | $162 |
| Freedom, NY | $2,000 | $589 | $2,589 | $428 | $2,428 | $161 |
| Dalton, NY | $400 | $583 | $983 | $424 | $824 | $159 |
| Hume, NY | $700 | $589 | $1,289 | $428 | $1,128 | $161 |
| Home Insurance Company Shelby, NY | Homeowners Insurance Agency Shelby, NY | Address | Popularity Score | Distance from Shelby (miles) |
|---|---|---|---|---|
| Erie | Vanscoter Insurance Agency Llc | 1577 Ridge Road W Suite 216, Rochester, NY, 14615 | 36.3 | |
| Liberty Mutual Independent | United Insurance Agency Inc | 90 Bryant Woods S, Amherst, NY, 14228 | 22.8 | |
| Travelers | Bower Insurance Agency | 5668 S Transit Rd , Lockport, NY, 14094 | 15.8 | |
| Erie | Fred Thomas Agency Inc. | 45 Main Street, Akron, NY, 14001 | 12.1 | |
| Allstate | Frank J Giumpa Ii | 10060 Main St, Clarence, NY, 14031 | 17.8 | |
| Liberty Mutual Independent | Seaway Insurance Associates | 8645 Rochester Rd, Gasport, NY, 14067 | 8.8 | |
| Travelers | Alexander Insurance Agency Inc | 315 Alexander Street, Rochester, NY, 14604 | 40.1 | |
| Travelers | Brady Insurance Agency Llc | 10589 Main St, Clarence, NY, 14031 | 16.9 | |
| State Farm | Nancy Chenoweth | 6427 Transit Rd, East Amherst, NY, 14051-1427 | 18.9 | |
| Travelers | Slack Insurance Agency | 441 Main St., Medina, NY, 14103 | 3.3 |
| 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 | $800 | $1,590 | $790 |
| Orleans County, NY | $93,600 | $1,205 | $860 | $1,650 | $790 |
| Shelby, NY | $82,600 | $943 | $680 | $1,350 | $670 |
| Ridgeway, NY | $89,600 | $968 | $650 | $1,380 | $730 |
| Pembroke, NY | $149,300 | $643 | $460 | $910 | $450 |
| Pendleton, NY | $184,400 | $723 | $480 | $1,000 | $520 |
| Bergen, NY | $120,100 | $603 | $400 | $840 | $440 |
| Grand Island, NY | $193,700 | $697 | $470 | $990 | $520 |
| Niagara Falls, NY | $69,900 | $1,226 | $820 | $1,690 | $870 |
| North Gates, NY | $115,200 | $599 | $400 | $840 | $440 |
| Freedom, NY | $110,500 | $596 | $400 | $850 | $450 |
| Dalton, NY | $89,400 | $590 | $420 | $840 | $420 |
| Hume, NY | $73,800 | $596 | $410 | $850 | $440 |