Gavop's guide to buying homeowners insurance in Liberty, 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.
| Liberty, 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 | |
| Castle Hill Rd, Co Rd 71, Lake Marie Rd, Sky View Dr, Mountain View Ln, Fox Mountain Rd, Cold Spring Rd, Fox Mountain Rd, Lt J G Brender Hwy, Kehrley la | $179,500 | $160,000 | $150,000-$175,000 | $154,000 | $120,000 | $150,000-$175,000 |
| Irving Ln, Asthalter Rd, Youngs Hill Rd, Lincoln Pl, Sherri Rd, Co Rd 84, Frankie Ln, State Rte 17, Hillside Ave, Nature Lake Rd | $242,500 | $210,000 | $200,000-$250,000 | $157,500 | $130,000 | $125,000-$150,000 |
| Wawanda Ave, Elk Point Rd, Harris Rd, Cora Ave, Delaware Ave, Rochelle Park Cir, Chestnut St, Townsend Rd, Walnut Mt Rd, Chaffee Rd | $126,000 | $120,000 | $125,000-$150,000 | $127,500 | $110,000 | $125,000-$150,000 |
| N Delaware Ave, Champlin Ave, Co Rd 141, Blackfoot Trl, Tanzman Rd, Darbee Ln, State St, Lily Pond Rd, Mecca Ter, Anderson Rd | $263,500 | $230,000 | $250,000-$300,000 | $152,000 | $120,000 | $175,000-$200,000 |
| Pool Side Rd, N Main St, Lisa Ln, Redwood Ln, N End Ave, E Mongaup Rd, Beech Ln, Grant St, Meadow View Ln, Wheeler Pl | $186,000 | $160,000 | $200,000-$250,000 | $98,000 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $783 |
| Superior Protection Discount | -$85 | $859 |
| Fire & Security Discount | -$85 | $859 |
| Hail Resistant Roof Discount | -$28 | $915 |
| Newly Constructed Home Discount | -$264 | $679 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,513 |
| Hail Damage | $4,853 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $17,054 |
| Home Insurance Company Liberty, NY | Homeowners Insurance Agency Liberty, NY | Address | Popularity Score | Distance from Liberty (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | The Misner Agency Inc | 489 State Route 52, Woodbourne, NY, 12788 | 9.9 | |
| State Farm | De Anne Gleeson | 809 Route 211 E, Middletown, NY, 10941-1443 | 32.6 | |
| Travelers | Bryan Insurance Agency Llc | 287 Windsor Hwy Ste 350, New Windsor, NY, 12553 | 44.7 | |
| Allstate | Justina Tozzi | 560 Route 52 Ste 104, Beacon, NY, 12508 | 47.8 | |
| Allstate | Janine Barsanti | 69 Brookside Ave Ste 202, Chester, NY, 10918 | 40.8 | |
| Allstate | Lori Buhagiar | 125 Dolson Ave, Middletown, NY, 10940 | 32.1 | |
| Farmers | Joseph Gorelick | 400 Route 17-M Ste 11, Monroe, NY, 10950 | 45.6 | |
| Travelers | Hughson & Benson Associates | 326 Main Street, Oneonta, NY, 13820 | 46.8 | |
| Allstate | Gfi Insurance | 30 North St, Monticello, NY, 12701 | 11.8 | |
| Allstate | Mechel Grunfeld | 1 Stralisk Ct Unit S001, Monroe, NY, 10950 | 45.9 |
| 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 | $850 | $1,660 | $810 |
| Sullivan County, NY | $167,900 | $661 | $480 | $910 | $430 |
| Liberty, NY | $130,700 | $943 | $630 | $1,340 | $710 |
| Smallwood, NY | $204,300 | $783 | $570 | $1,070 | $500 |
| Hancock, NY | $108,900 | $595 | $430 | $820 | $390 |
| Margaretville, NY | $173,500 | $694 | $490 | $950 | $460 |
| Lackawaxen, PA | $215,600 | $696 | $510 | $990 | $480 |
| Walton, NY | $114,900 | $943 | $690 | $1,290 | $600 |
| Prompton, PA | $179,200 | $761 | $510 | $1,080 | $570 |
| Sunrise Lake, PA | $180,000 | $763 | $560 | $1,090 | $530 |
| Unionville, NY | $206,100 | $789 | $570 | $1,130 | $560 |
| Windsor, NY | $114,800 | $952 | $640 | $1,300 | $660 |