Cheektowaga Insurance Rates:

Cheektowaga, NY home insurance is about $499 to $674, about $41-$56/month. Our all inclusive analysis reveals consumers can save as much as $234 by comparing different quotes

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Cheektowaga Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $1800/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2680 sqft Rental Property Constructed In 1983 with Carpet Flooring, Composition Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $200/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1930 sqft Rental Property Constructed In 1976 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Married Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2240/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Bath 4220 sqft Vacation Property Constructed In 1965 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1010/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Bath 2950 sqft Seasonal Residence Constructed In 1946 with Stone Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $330/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 2190 sqft Rental Property Constructed In 1944 with Stone Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $690/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2680 sqft Vacation Property Constructed In 1963 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $280/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Bath 4220 sqft Vacation Property Constructed In 1976 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who is Retired and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $940/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Baths 3030 sqft Vacation Property Constructed In 1984 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1530/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 4380 sqft Vacation Property Constructed In 1981 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $830/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 2980 sqft Primary Residence Constructed In 1950 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Cheektowaga, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
14225 $90,800 $590
14227 $114,100 $590

Cheektowaga Rates & Quotes Analysis:

Cheektowaga Area Estimated House Insurance
W 2nd St, Westchester Dr, Windwood Cts, Old Farm Rd, Cherokee Dr, Elaine Ct, Delphi Dr, Huth Rd, N Seine Dr, Straley Ave$585
Liberty Ter, Victoria Blvd, Sherry Dr, S Huth Rd, Sugnet Rd, Edward Ct, Lloyd Dr, Halstead Ave, Foisset Ave, Treehaven Rd$585
W Cherbourg Dr, Seton Rd, del Dr, Kensington Expy, S Prince Dr, Atwood Pl, George St, Girard Ave, Bell Rd, Keicher Rd$591
Patton Ln, Lamarck Dr, Richard Dr, Helenbrook Ln, Fairoaks Ln, Ruth Dr, Lyman Ave, Danielle Dr, Autumnwood Dr, Autumn Lea Rd$None
Henry St, Buchanan St, Gardenvale Dr, Caprice Dr, Mildred Dr, Reo Ave, Seminole Ln, Monterey Ln, Lackawanna Ave, Linda Dr$587

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,750 Homes (28% of total homes ) built between 1950 to 1959 in Cheektowaga are paying home insurance between $1,104-$1,112. Places close to Cheektowaga, NY such as Williamsville, West Seneca, Harris Hill are more expensive by $20, $11, $28 respectively while Sloan and Buffalo are cheaper by $11 and $14 respectively for similar homes.
  • Bedrooms: 20,865 3 bedrooms homes (50% of total homes ) in Cheektowaga are paying about $276 and varies from West Seneca (+$3), Harris Hill (+$7), Lancaster (+$6), Depew (-$5) and Buffalo (-$9).
  • Auto Insurance Bundling: 11,457 Households (41% of all households) in Cheektowaga have 2 vehicles available and when it is bundled with home insurance you can save $117 in contrast with Depew ($117), Sloan ($116), Williamsville ($119).
  • Senior Discounts: 15,004 seniors (more than 55 years) occupied housing units (54% of total) in Cheektowaga get discounts between $87 to $90. The comparative concessions in proximate regions such as Depew, Sloan and Williamsville are $88, $87 and $89 respectively.
  • New Homes discounts: New homes such as the 14,310 homes built between 2000 to 2009 in Cheektowaga can save $117 and similar new home insurance discounts in nearby towns and cities like Depew, Sloan and Williamsville are $117, $116 and $119 respectively.

Cheektowaga Homeowners insurance Facts

  • Cheektowaga, NY has 27,364 owner occupied houses which is 71.2% of all units whereas Depew, Sloan and Williamsville have 73.76%, 70.35% and 65.09% respectively.
  • Cheektowaga, NY homeowners yearly insurance price at $587 is 0.61% of the typical house value of $96,600 which is in contrast with 0.56% in Depew, 0.78% at Sloan & 0.38% in Williamsville.
  • Homeowners in Cheektowaga, NY pay 1.02% of their income ($45,000 to $49,999) in insurance whereas homeowners in Depew, Sloan and Williamsville pay 1.02%, 1.01% and 1.04% respectively.
  • Cheektowaga, NY’s insurance is 4.3% of monthly housing costs of $1,149/month, for owners with a mortgage compared to 4.13% in Depew, 5.13% at Sloan & 3.4% in Williamsville. But, for households without a mortgage, insurance is 10.0% of costs ($488 in Cheektowaga, NY) in contrast with 10.23% in Depew, 12.66% at Sloan & 7.11% in Williamsville.

Cheektowaga, NY Home Values & Insurance rates

For example, insurance for 522 Homes (1.0% of total homes ) valued between $200,000 to $249,999 in Cheektowaga, NY is about $1,367. Rates in nearby areas in such as Williamsville, West Seneca, Eggertsville are cheaper by $517, $330, $245 respectively while Buffalo and Rapids are costlier by $593 and $168 respectively for similar homes.

Cheektowaga, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,759 6.0% $146
$50,000 to $59,999 837 3.0% $316
$60,000 to $69,999 1,619 5.0% $393
$70,000 to $79,999 2,657 9.0% $451
$80,000 to $89,999 4,168 15.0% $510
$90,000 to $99,999 3,985 14.0% $575
$100,000 to $124,999 6,329 23.0% $663
$125,000 to $149,999 3,169 11.0% $833
$150,000 to $174,999 1,222 4.0% $986
$175,000 to $199,999 460 1.0% $1138
$200,000 to $249,999 522 1.0% $1367

Renters Insurance in Cheektowaga

  • Average Renters Insurance in Cheektowaga :  $201($16/month)

  • Median Gross Rent in Cheektowaga :  $748

  • Cheektowaga Renters Insurance to Median Rent Ratio:  2.14%

  • Average household size of renter-occupied unit :  1.98

Cheektowaga Renters Insurance as a Percentage of Rent

Cheektowaga Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 121 1.0% $800
$300 to $499 833 7.0% $1250
$500 to $749 4,315 40.0% $1925
$750 to $999 3,765 35.0% $2675
$1,000 to $1,499 1,311 12.0% $3800
$1,500 or more 183 1.0% $5450

Protective device discount in Cheektowaga Up to :  $30

Claims-free discount in Cheektowaga Up to :  $40