Gavop shows you how to buy homeowners insurance in Vernon, 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 | $57,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $109,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $138,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $249,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $253,000 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $774 |
| Superior Protection Discount | -$85 | $859 |
| Fire & Security Discount | -$85 | $859 |
| Hail Resistant Roof Discount | -$28 | $915 |
| Newly Constructed Home Discount | -$255 | $689 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,319 |
| Hail Damage | $4,759 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,218 |
| Home Insurance Company Vernon, NY | Homeowners Insurance Agency Vernon, NY | Address | Popularity Score | Distance from Vernon (miles) |
|---|---|---|---|---|
| State Farm | Scott Grates | 205 W Main St, Ilion, NY, 13357-1509 | 24.9 | |
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd Ste 4w, Whitesboro, NY, 13492 | 12.5 | |
| Travelers | R K Johnson & Associates Insurance Agency | 4921 West Genesee Street, Camillus, NY, 13031 | 36.7 | |
| Allstate | Cathleen Fournier | 86 Meadow St, Clinton, NY, 13323 | 7.3 | |
| State Farm | Dan Meehan | 2023 Sunset Ave, Utica, NY, 13502-5516 | 13.5 | |
| Liberty Mutual Independent | The Armada Insurance Agency L | 29 W Park Row, Clinton, NY, 13323 | 7.7 | |
| Travelers | Partners Trust Ins Agency Inc | 230 N. Genesee Street, Utica, NY, 13502 | 16.3 | |
| Travelers | Gilroy Kernan & Gilroy Inc | 210 Clinton Rd , New Hartford, NY, 13413 | 9.4 | |
| State Farm | John Mcnamee Jr | 1612 Genesee St, Oneida, NY, 13421-2737 | 8.0 | |
| Liberty Mutual Independent | Gates Cole Associates Inc | 125 Main St, Oneida, NY, 13421 | 6.5 |
| 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 | $800 | $1,660 | $860 |
| Oneida County, NY | $120,000 | $1,215 | $830 | $1,660 | $830 |
| Vernon, NY | $122,500 | $943 | $640 | $1,340 | $700 |
| German Flatts, NY | $82,500 | $968 | $660 | $1,340 | $680 |
| Leyden, NY | $85,700 | $591 | $400 | $820 | $420 |
| Solvay, NY | $107,700 | $943 | $680 | $1,350 | $670 |
| Otsego, NY | $297,600 | $1,188 | $810 | $1,690 | $880 |
| Stark, NY | $95,900 | $590 | $410 | $820 | $410 |
| Schroeppel, NY | $99,500 | $960 | $700 | $1,360 | $660 |
| Solon, NY | $96,700 | $591 | $400 | $850 | $450 |
| Cortland County, NY | $113,900 | $1,205 | $870 | $1,660 | $790 |
| Lysander, NY | $176,500 | $653 | $470 | $900 | $430 |
| Morehouse, NY | $258,300 | $994 | $670 | $1,380 | $710 |