Gavop shows you how to buy homeowners insurance in Orchard Park, 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 | $75,500 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $193,500 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $279,500 | $240,000 | $300,000-$350,000 |
| 4 Bedroom | $240,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $275,000 | $260,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$102 | $627 |
| Superior Protection Discount | -$66 | $663 |
| Fire & Security Discount | -$58 | $671 |
| Hail Resistant Roof Discount | -$22 | $707 |
| Newly Constructed Home Discount | -$153 | $576 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,537 |
| Hail Damage | $4,571 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $15,884 |
| Home Insurance Company Orchard Park, NY | Homeowners Insurance Agency Orchard Park, NY | Address | Popularity Score | Distance from Orchard Park (miles) |
|---|---|---|---|---|
| Allstate | Gregg S. Horwitz | 2157 Union Rd, West Seneca, NY, 14224 | 7.4 | |
| Liberty Mutual Independent | Walsh Duffield Companies Inc | 801 Main Street, Buffalo, NY, 14203 | 11.9 | |
| State Farm | Dan Scaglione | 928 French Rd Bldg A, Cheektowaga, NY, 14227-3632 | 8.0 | |
| Allstate | Michael Huber | 1282 French Rd, Depew, NY, 14043 | 8.1 | |
| Allstate | Orange Financial Services Llc | 1135 Millersport Hwy, Amherst, NY, 14226 | 16.1 | |
| State Farm | Shawn O'Rourke | 1 Main Street, Hamburg, NY, 14075-4930 | 5.2 | |
| State Farm | Mike Messuro | 1320 Orchard Park Road, West Seneca, NY, 14224-4050 | 4.4 | |
| Travelers | M A Damstetter Inc | 3064 S Park Ave, Lackawanna, NY, 14218 | 6.1 | |
| Travelers | Cassetta Agency Inc | 810 Kenmore Ave , Buffalo, NY, 14216 | 15.2 | |
| Allstate | The Keller Group Inc | 3625 Seneca St, West Seneca, NY, 14224 | 5.5 |
| 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 | $1,660 | $880 |
| Erie County, NY | $139,900 | $608 | $440 | $860 | $420 |
| Orchard Park, NY | $228,100 | $729 | $500 | $1,040 | $540 |
| Sheldon, NY | $144,200 | $634 | $430 | $880 | $450 |
| Darien, NY | $154,100 | $651 | $480 | $900 | $420 |
| Hanover, NY | $88,700 | $952 | $680 | $1,300 | $620 |
| Machias, NY | $100,200 | $591 | $400 | $810 | $410 |
| Sanborn, NY | $127,700 | $611 | $410 | $860 | $450 |
| Cambria, NY | $159,500 | $616 | $450 | $850 | $400 |
| Leon, NY | $76,500 | $594 | $410 | $810 | $400 |
| Clarendon, NY | $101,600 | $592 | $430 | $820 | $390 |
| Portland, NY | $84,200 | $591 | $430 | $810 | $380 |
| Niagara County, NY | $114,800 | $1,194 | $870 | $1,700 | $830 |