Farmington Insurance Rates:

Farmington, NY home insurance is roughly $505 to $683, about $42-$56/month. Our complete guide reveals consumers can save as much as $237 by getting many quotes

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Read Farmington, New York Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Farmington Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $890/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 2330 sqft Primary Residence Constructed In 2011 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1320/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 1730 sqft Primary Residence Constructed In 1993 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1140/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Baths 3850 sqft Vacation Property Constructed In 1989 with Stone Flooring, Composition Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1900/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2870 sqft Seasonal Residence Constructed In 1996 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $1390/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 2900 sqft Vacation Property Constructed In 2004 with Carpet Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $770/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 2170 sqft Rental Property Constructed In 1988 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $820/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 3660 sqft Seasonal Residence Constructed In 2001 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $200/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2940 sqft Vacation Property Constructed In 1992 with Carpet over wood flooring, Metal Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $700/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 2280 sqft Primary Residence Constructed In 2014 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $630/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1760 sqft Rental Property Constructed In 2014 with Linoleum, Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Farmington Rates & Quotes Analysis:

Farmington Area Estimated House Insurance
Allen Padgham Rd, Stuart Cir, Windigo Dr, Carriage Ct, New Michigan Rd, Stonefield Ln, Old Park Sq, Kyte Rd, Nettlecreek Ln, Elizabeth Way$593
Dale Dr, Northrup Ln, Jenbrooke Cir, Walnut Dr, Garage Rd, Old Mill Rd, Gannett Rd, Payne Rd, Sunset Dr, Jensen Ct$594
Herendeen Rd, Maple Grove, Bonnie Brae Cir, Cranberry Dr, Duke of Gloucester Way, Hathaway Dr, Loomis Rd, Amber Dr, Stoney Way, Opal Dr$592
Melbar Dr, Woodside Cr, Hackett Rd, Holly Ln, Canandaigua Farmington Tl Rd, Kelly Dr, Green Rd, Ebony Ct, Corporate Dr, Heritage Cir$593
Wiborn Rd, Co Rd 8, Yahn Rd, Barberry Ln, Spartan Dr, Galvin Ct, Pannell Rd, Creekside Dr, Windsor Cir, Creek View Trl$594

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,102 Homes (43% of total) built between 1970 to 1979 in Farmington are paying home insurance between $961-$970 and varies from Victor (+$29), Perinton (+$20), Fairport (+$15), Manchester (-$12) and East Rochester (-$11).
  • Bedrooms: 2,701 3 bedrooms homes (55% of total homes ) in Farmington are paying about $273 and varies from Shortsville (+$4), Victor (+$9), Macedon (+$8), Port Gibson (-$4) and East Rochester (-$3).
  • Auto Insurance Bundling: 1,715 Households (48% of all households) in Farmington have 2 vehicles available and when it is bundled with home insurance you can save $118. Discounts for similar bundling in close by locations such as Shortsville, Manchester, Victor come to $117, $117, $122 respectively.
  • Senior Discounts: 1,406 seniors (more than 55 years) occupied housing units (39% of total) in Farmington get discounts between $88 to $91. The comparative concessions in proximate regions such as Shortsville, Manchester and Victor are $88, $87 and $91 respectively.
  • New Homes discounts: New homes such as the 1,441 homes built between 2000 to 2009 in Farmington can save $118 and similar new home insurance discounts in nearby towns and cities like Shortsville, Manchester and Victor are $117, $117 and $122 respectively.

Farmington Homeowners insurance Facts

  • Farmington, NY has 3,520 owner occupied houses which is 75.6% of all units whereas Shortsville, Manchester and Victor have 76.15%, 77.72% and 82.19% respectively.
  • Farmington, NY homeowners yearly insurance price at $593 is 0.45% of the typical house value of $133,200 which is in contrast with 0.57% in Shortsville, 0.64% at Manchester & 0.27% in Victor.
  • Homeowners in Farmington, NY pay 0.79% of their income ($75,000 or more) in insurance whereas homeowners in Shortsville, Manchester and Victor pay 0.78%, 0.78% and 0.81% respectively.
  • Farmington, NY’s insurance is 3.7% of monthly housing costs of $1,353/month, for owners with a mortgage compared to 4.09% in Shortsville, 4.27% at Manchester & 2.69% in Victor. But, for households without a mortgage, insurance is 9.2% of costs ($540 in Farmington, NY) in contrast with 8.88% in Shortsville, 9.85% at Manchester & 7.4% in Victor.

Farmington, NY Home Values & Insurance rates

For example, insurance for 56 Homes (1.0% of total homes ) valued between $250,000 to $299,999 in Farmington, NY is about $1,221. Rates in nearby areas in such as Victor, Macedon, Canandaigua are cheaper by $470, $83, $111 respectively while Bloomfield and Palmyra are costlier by $30 and $422 respectively for similar homes.

Farmington, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 429 12.0% $106
$70,000 to $79,999 55 1.0% $332
$80,000 to $89,999 53 1.0% $373
$90,000 to $99,999 163 4.0% $421
$100,000 to $124,999 773 22.0% $486
$125,000 to $149,999 810 23.0% $610
$150,000 to $174,999 384 11.0% $717
$175,000 to $199,999 267 7.0% $830
$200,000 to $249,999 262 7.0% $1002
$250,000 to $299,999 56 1.0% $1221
$300,000 to $399,999 161 4.0% $1553

Renters Insurance in Farmington

  • Average Renters Insurance in Farmington :  $188($15/month)

  • Median Gross Rent in Farmington :  $984

  • Farmington Renters Insurance to Median Rent Ratio:  1.52%

  • Average household size of renter-occupied unit :  2.42

Farmington Renters Insurance as a Percentage of Rent

Farmington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 23 2.0% $347
$500 to $749 264 23.0% $1922
$750 to $999 299 26.0% $2672
$1,000 to $1,499 425 37.0% $3797
$1,500 or more 101 9.0% $5447

Rent Affordability in Farmington:

Approximately 38.0% (433) of households are spending more than 35% of their income on gross rent in Farmington

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 89 7.0%
15.0 to 19.9 percent 225 19.0%
20.0 to 24.9 percent 135 11.0%
25.0 to 29.9 percent 206 18.0%
30.0 to 34.9 percent 51 4.0%
35.0 percent or more 433 38.0%

Protective device discount in Farmington Up to :  $28

Claims-free discount in Farmington Up to :  $37