Gavop's guide to buying homeowners insurance in Lackawanna, 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.
| Lackawanna, 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 | |
| Palm St, Kevin St, Gibbons St, Scotia Rd, Gravel Pl, Maple Grove Ave, E Milnor Ave, Weber Rd, Commerce Dr, Berry Ave | $58,000 | $50,000 | $50,000-$75,000 | $49,500 | $50,000 | $25,000-$50,000 |
| Apple Ave, Adrian Ave, Millhurst Rd, Boardman Rd, Goodrich Rd, Pearl Ave, Ridgewood Cir, Girard Ave, Tracy Pkwy, Myers Rd | $100,000 | $80,000 | $75,000-$100,000 | $77,000 | $70,000 | $75,000-$100,000 |
| Fremont St, Edna Pl, Magnolia St, Front St, Raymond Pl, Beech St, Wilkesbarre St, Sharon Pkwy, Fairmount Ave, Melroy Ave | $115,000 | $100,000 | $100,000-$125,000 | $65,000 | $60,000 | $50,000-$75,000 |
| Mitchell Pl, Saint Jude Dr, Kennedy Dr, Norfred Dr, Kane St, Meadowbrook Dr, Burke Dr, Teresa Dr, Trella Pl, Muck St | $155,500 | $140,000 | $150,000-$175,000 | $85,000 | $80,000 | $50,000-$75,000 |
| Cloister Ct, Edgewood Pl, Wasson Ave, St Johns Pl, Rudolph St, Willow St, Green Ave, Swygert St, Sandra Dr, Carden Ave | $152,000 | $130,000 | $175,000-$200,000 | $86,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $826 |
| Superior Protection Discount | -$96 | $864 |
| Fire & Security Discount | -$96 | $864 |
| Hail Resistant Roof Discount | -$29 | $931 |
| Newly Constructed Home Discount | -$269 | $691 |
| 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 |
| Erie County | $2,500 | $601 | $3,101 | $437 | $2,937 | $164 |
| Lackawanna, NY | $700 | $948 | $1,648 | $689 | $1,389 | $259 |
| Colden, NY | $400 | $742 | $1,142 | $539 | $939 | $203 |
| Holland, NY | $1,500 | $635 | $2,135 | $462 | $1,962 | $174 |
| Niagara, NY | $400 | $957 | $1,357 | $695 | $1,095 | $261 |
| Dayton, NY | $700 | $588 | $1,288 | $427 | $1,127 | $161 |
| Lime Lake, NY | $100 | $591 | $691 | $429 | $529 | $161 |
| New Albion, NY | $1,000 | $592 | $1,592 | $430 | $1,430 | $162 |
| Perry, NY | $500 | $584 | $1,084 | $424 | $924 | $160 |
| Pavilion, NY | $700 | $595 | $1,295 | $432 | $1,132 | $163 |
| Yates, NY | $100 | $583 | $683 | $424 | $524 | $159 |
| Bergen, NY | $2,000 | $596 | $2,596 | $433 | $2,433 | $163 |
| Home Insurance Company Lackawanna, NY | Homeowners Insurance Agency Lackawanna, NY | Address | Popularity Score | Distance from Lackawanna (miles) |
|---|---|---|---|---|
| Allstate | Gregg S. Horwitz | 2157 Union Rd, West Seneca, NY, 14224 | 4.9 | |
| State Farm | Greg Regan | 5866 Transit Rd, Depew, NY, 14043-2250 | 9.6 | |
| Travelers | Litwin Castle Insurance Agency Inc | 4955 Chestnut Ridge Rd, Orchard Park, NY, 14127 | 6.4 | |
| Allstate | Edward Bartel | 4184 Seneca St Ste 106, West Seneca, NY, 14224 | 4.4 | |
| Travelers | The Decker Agency Inc | 37 Elmwood Avenue, Buffalo, NY, 14201 | 5.9 | |
| Liberty Mutual Independent | Wolf Agency Inc | 5820 Big Tree Rd, Orchard Park, NY, 14127 | 5.0 | |
| Travelers | Jem Insurance Agency Inc | 950-A Union Rd #16, West Seneca, NY, 14224 | 4.1 | |
| State Farm | Chris Majchrzak | 3132 Walden Ave, Depew, NY, 14043-2729 | 8.9 | |
| Travelers | Pag Agency Inc | 1660 Kensington Avenue, Buffalo, NY, 14215 | 9.0 | |
| Travelers | Action Auto Agency | 2817 Genesee St , Buffalo, NY, 14225 | 7.7 |
| 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 | $830 | $1,590 | $760 |
| Erie County, NY | $139,900 | $608 | $430 | $840 | $410 |
| Lackawanna, NY | $90,100 | $960 | $700 | $1,350 | $650 |
| Colden, NY | $194,300 | $751 | $500 | $1,060 | $560 |
| Holland, NY | $149,400 | $643 | $460 | $880 | $420 |
| Niagara, NY | $83,600 | $968 | $690 | $1,370 | $680 |
| Dayton, NY | $74,900 | $595 | $400 | $840 | $440 |
| Lime Lake, NY | $114,400 | $598 | $430 | $860 | $430 |
| New Albion, NY | $68,800 | $599 | $400 | $830 | $430 |
| Perry, NY | $85,900 | $591 | $400 | $830 | $430 |
| Pavilion, NY | $119,000 | $602 | $400 | $830 | $430 |
| Yates, NY | $96,400 | $590 | $430 | $820 | $390 |
| Bergen, NY | $120,100 | $603 | $430 | $830 | $400 |