Le Roy Insurance Rates:

Le Roy, NY home insurance is approximately $501 to $680, about $41-$56/month. Our complete guide shows customers can save as much as $236 by getting different quotes

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Le Roy Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $580/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1550 sqft Vacation Property Constructed In 1985 with Stone Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $670/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

5 Beds, 5 Bath 1510 sqft Rental Property Constructed In 1982 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Bath 2030 sqft Seasonal Residence Constructed In 1984 with Carpet over wood flooring, Tile Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Married Male 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

  • Up to 499 Credit Score

Home Insurance Rate of $850/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1900 sqft Primary Residence Constructed In 1980 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $470/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1690 sqft Vacation Property Constructed In 1948 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $490/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 2360 sqft Seasonal Residence Constructed In 1946 with Stone Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $270/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1290 sqft Primary Residence Constructed In 1948 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who has a Full Time Job 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

Home Insurance Rate of $1190/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1820 sqft Primary Residence Constructed In 1986 with Wood Flooring, Metal Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Le Roy, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
14482 $116,800 $600

Le Roy Rates & Quotes Analysis:

Le Roy Area Estimated House Insurance
Jefferson Ave, Gully Rd, Mullen Rd, Bernd Rd, Bartof Rd, Co Rd 25A, Co Rd 3, Tountas Ave, Royal Dr, St Marks St$590
Prole Rd Exd, Co Rd 2, Wolcott St, Co Rd 28, Ward Pl, Stanley Pl, Caswell Rd, Parmalee Rd, Garden Ln, Coward Rd$592
Trigon Park, Wilson Ave, Harris Rd, Warner Rd, Kenney Rd, Circular Hill Rd, Quinlan Rd, Craigie St, Co Rd 25, Mill St$591
Union Corners Rd, Griswold Cir, Lincoln Ave, Wescott Rd, Platt Ave, Byron Rd, Co Rd 39, Clapsaddle Rd, Lake Street Rd, Selden Rd$591
Fillmore St, Hebbard Rd, Lent Ave, George St, Maple Ave, Waterman Rd, N St Rd, Batavia Stafford Town Rd, Church Rd, Horseshoe Lake Rd$591

Insurance rates are influenced by a number of factors including:

  • Year Built: 279 Homes (9% of total) built between 1960 to 1969 in Le Roy are paying home insurance between $1,032-$1,041 compared to Ogden (+$11), Rush (+$25), Geneseo (+$13), Holley (-$11) and Albion (-$12).
  • Bedrooms: 741 2 bedrooms homes (24% of total homes ) in Le Roy are paying about $219. Areas near to Le Roy such as Rush, Geneseo, Lakeville are costlier by $5, $3, $4 respectively whereas Pavilion and Churchville are more economical by $7, $6 respectively for similar homes.
  • Auto Insurance Bundling: 420 Households (19% of all households) in Le Roy have 3 or more vehicles available and when it is bundled with home insurance you can save $147. Discounts for similar bundling in close by locations such as Stafford, Pavilion, Linwood come to $147, $147, $149 respectively.
  • Senior Discounts: 1,062 seniors (more than 55 years) occupied housing units (49% of total) in Le Roy get discounts between $88 to $90. The comparative concessions in proximate regions such as Stafford, Linwood and Byron are $88, $89 and $87 respectively.
  • New Homes discounts: New homes such as the 522 homes built between 2000 to 2009 in Le Roy can save $118 compared to Stafford ($118), Pavilion ($117), Linwood ($119).

Le Roy Homeowners insurance Facts

  • Le Roy, NY has 2,129 owner occupied houses which is 73.0% of all units whereas Stafford, Pavilion and Linwood have 89.12%, 89.2% and 100.0% respectively.
  • Le Roy, NY homeowners yearly insurance price at $590 is 0.5% of the typical house value of $117,100 which is in contrast with 0.51% in Stafford, 0.56% at Pavilion & 0.37% in Linwood.
  • Homeowners in Le Roy, NY pay 0.79% of their income ($75,000 or more) in insurance whereas homeowners in Stafford, Pavilion and Bergen pay 0.79%, 0.78% and 0.78% respectively.
  • Le Roy, NY’s insurance is 3.4% of monthly housing costs of $1,438/month, for owners with a mortgage compared to 4.42% in Stafford, 4.1% at Pavilion & 4.11% in Bergen. But, for households without a mortgage, insurance is 8.2% of costs ($598 in Le Roy, NY) in contrast with 8.15% in Stafford, 9.51% at Pavilion & 9.18% in Bergen.

Le Roy, NY Home Values & Insurance rates

For example, insurance for 206 Homes (9.0% of total homes ) valued between $125,000 to $149,999 in Le Roy, NY is about $690. Rates in nearby areas in such as Linwood, Riga, Wheatland are cheaper by $181, $74, $45 respectively while Stafford and Pavilion are costlier by $6 and $80 respectively for similar homes.

Le Roy, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 86 4.0% $123
$50,000 to $59,999 39 1.0% $259
$60,000 to $69,999 43 2.0% $324
$70,000 to $79,999 178 8.0% $377
$80,000 to $89,999 196 9.0% $424
$90,000 to $99,999 223 10.0% $477
$100,000 to $124,999 439 20.0% $548
$125,000 to $149,999 206 9.0% $690
$150,000 to $174,999 318 15.0% $814
$175,000 to $199,999 125 5.0% $944
$200,000 to $249,999 137 6.0% $1132
$300,000 to $399,999 100 4.0% $1758

Renters Insurance in Le Roy

  • Average Renters Insurance in Le Roy :  $194($16/month)

  • Median Gross Rent in Le Roy :  $703

  • Le Roy Renters Insurance to Median Rent Ratio:  2.28%

  • Renter occupied housing units in Le Roy :  786

Le Roy Renters Insurance as a Percentage of Rent

Le Roy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 21 2.0% $348
$200 to $299 21 2.0% $798
$300 to $499 77 10.0% $1248
$500 to $749 267 35.0% $1923
$750 to $999 303 40.0% $2673
$1,000 to $1,499 45 6.0% $3798
$1,500 or more 10 1.0% $5448

Rent Affordability in Le Roy:

Approximately 31.0% (247) of households are spending more than 35% of their income on gross rent in Le Roy

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 213 27.0%
15.0 to 19.9 percent 157 19.0%
20.0 to 24.9 percent 48 6.0%
25.0 to 29.9 percent 84 10.0%
30.0 to 34.9 percent 37 4.0%
35.0 percent or more 247 31.0%

Le Roy Renters Insurance Discounts:

Le Roy Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Le Roy, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 466 59.0% $19.4
2 vehicles available 183 23.0% $29.1
3 or more vehicles available 106 13.0% $38.8

Le Roy Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 109 13.0% $70
60 to 64 years 10 1.0% $56
65 to 74 years 108 13.0% $45
75 years and over 37 4.0% $35

Protective device discount in Le Roy Up to :  $29

Claims-free discount in Le Roy Up to :  $38