What Makes Your Rochester, NY Home Insurance Cheap or Expensive

Rochester, NY homeowners insurance rate is about $186-$10,080 per annum. Gavop has done in-depth research to analyse the insurance rates for homes based on factors such as location, value and age of home, deductible rates, home coverage, replacement values etc. Enter your Zip Code below and click 'GO' to get multiple free quotes.

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Cost of Rochester, NY Homeowners Insurance in Different Neighborhoods | Back to Top

Nearby places/ Census Blocks & Streets Homeowners Insurance Cost ($)
E Bellaqua Estates Dr, Lester St, Millstead Way, Airview Dr, Names Rd, Stallman Dr, Airpark Dr, Silverknoll Dr, Chili Scottsville Rd, Oaktwist Cir 5,280
la Grange Ave, Jessie St, Westmount St, Latona Rd, Morville Dr, Lancaster St, Andes St, Oakwood Rd, Culdorf Aly, Eastland Rd 6,000
Keswick Rd, Eagle Rock Dr, Bay View Rd, Lafayette Rd, Wyncote Ave, Charrington Rd, Bayberry Dr, Dorington Rd, Smyles Dr, Cranberry Landing Dr 1,800
Windsor St, S Washington St, Capron St, Bank Pl, Franklin St, Pitkin St, Inner Loop Expy, Stone St, Cascade Dr, Chestnut St 3,360
Bay Front N, Lynn Dr, Keating Dr, Tietenberg Ave, Seacliffe Rd, Breezeway Dr, Rosedale St, Tamarack Dr, Point Pleasant Rd, Fairlea Dr 10,080

Cost of Rochester, NY Homeowners Insurance based on Home value, and Year Built | Back to Top

Place/ Neary by places Year Built Home Value ($) Premium ($)
Gates, NY 1989 106,300 878
Henrietta, NY 1991 135,500 861
Perinton, NY 2010 188,700 521
Richmond, NY 2002 123,700 716
Gaines, NY 1996 87,700 846

Cost of Home insurance with Deductible Scenarios in Rochester, NY | Back to Top

Insured Amount ($) Low Deductible ($500) High Deductible ($2500)
78,900 350 280

Rochester, NY Homeowners Insurance based on Home Coverage| Back to Top

Home Value Total Homes % of Total Average Rochester, NY Homeowners Insurance ($)
Less than $50,000 6,183 18.0 186
Less than $200,000 815 2.0 1,437
Less than $300,000 762 2.0 2,112
More than $300,000 930 2.0 2,683
Less than $100,000 2,058 6.0 727

Rochester, NY Homeowners Insurance Goes up for Homes with Swimming Pools| Back to Top

Coverage Average Premium ($) Increased Premium Due to Swimming Pool ($)
$50000-$75000 546 571

Rochester, NY Home Insurance Rates Saving Based on Replacement Value | Back to Top

Home Value ($) Replacement Value ($) Premium Based on Home Value ($) Premium Based on Replacement Value ($) Premium Savings Compared to Home Value ($)
124,000 120,000 847 1,067 -220

How can I Make My Rochester, NY Home Insurance Cheaper

7 Ways to Get Discounts on Homeowners Insurance in Rochester, NY