Lyons Insurance Rates:

Lyons, NY home insurance is approximately $493 to $669, about $41-$55/month. Our complete research indicates shoppers can save upto $232 by getting many quotes

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Lyons, New York Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Lyons Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $190/4 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $60,000

2 Beds, 2 Bath 1200 sqft Vacation Property Constructed In 1960 with Hardwood Flooring, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $550/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1790 sqft Seasonal Residence Constructed In 1941 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $780/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2410 sqft Seasonal Residence Constructed In 1960 with Linoleum, Wood Shake Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

5 Beds, 5 Bath 1880 sqft Seasonal Residence Constructed In 1945 with Carpet Flooring, Metal Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1440 sqft Seasonal Residence Constructed In 1943 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is Retired and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

5 Beds, 5 Baths 3920 sqft Primary Residence Constructed In 1943 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1240/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 2710 sqft Vacation Property Constructed In 1967 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who is Unemployed and has No Pets and is a Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $590/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 2140 sqft Vacation Property Constructed In 1947 with Wood Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $860/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 2060 sqft Seasonal Residence Constructed In 1964 with Carpet Flooring, Membrane Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Female 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 :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $620/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

4 Beds, 4 Baths 1790 sqft Rental Property Constructed In 1967 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Lyons, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
14489 $75,700 $590

Lyons Rates & Quotes Analysis:

Lyons Area Estimated House Insurance
Salerno Rd, Emmel Rd, Co Rd 224, Co Rd 232, Middle Sodus Rd, Old Lyons Rd, N Canal St, Cauwels Rd, Forgham St, Co Rd 217$586
Pulver Rd, Old State Rte 31, Pardy Smith Rd, Arcadia Zurich Norris Rd, Pine Valley Dr, Patrick Rd, Co Rd 221, Ross Rd, Buffalo Rd, Queen St$585
Bramer Rd, Co Rd 339, Westphal Pkwy, Jackson School Rd, Sapp Rd, Geneva St Exd, Leach Rd, Sohn Alloway Rd, Norsen Rd, Leach Rd$586
Hill Rd, Jackson Hill Rd, Co Rd 237, State Rte 88 S, Pleasant Valley Rd, Old State Rte 14, Sutton Rd, Spencer St, Canal St, Co Rd 340$585
Co Rd 244, Botcher Rd, Catchpole Rd, Coleman Hill Rd, Culver St, Co Rd 231, Co Rd 235, Depew Ave, Steel Point Rd, Clyde Rd$585

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,416 Homes (55% of total) built between 1939 or earlier in Lyons are paying home insurance between $1,242-$1,251 and varies from Arcadia (+$11), Palmyra (+$14), Phelps (+$18), Lakeville (-$22) and Websters Crossing (-$13).
  • Bedrooms: 1,076 3 bedrooms homes (44% of total homes ) in Lyons are paying about $268. Areas near to Lyons such as Arcadia, Galen, Clyde are costlier by $13, $6, $11 respectively.
  • Auto Insurance Bundling: 406 Households (25% of all households) in Lyons have 3 or more vehicles available and when it is bundled with home insurance you can save $145. Discounts for similar bundling in close by locations such as Arcadia, Newark, Galen come to $146, $146, $145 respectively.
  • Senior Discounts: 760 seniors (more than 55 years) occupied housing units (48% of total) in Lyons get discounts between $86 to $89 and differs from Arcadia ($87), Palmyra ($88), Pultneyville ($89).
  • New Homes discounts: New homes such as the 471 homes built between 2000 to 2009 in Lyons can save $116 and varies from Arcadia ($117), Newark ($117), Galen ($116).

Lyons Homeowners insurance Facts

  • Lyons, NY has 1,573 owner occupied houses which is 66.7% of all units whereas Arcadia, Newark and Galen have 68.18%, 56.07% and 78.46% respectively.
  • Lyons, NY homeowners yearly insurance price at $581 is 0.83% of the typical house value of $69,900 which is in contrast with 0.65% in Arcadia, 0.68% at Newark & 0.77% in Galen.
  • Homeowners in Lyons, NY pay 3.32% of their income ($15,000 to $19,999) in insurance whereas homeowners in Arcadia, Newark and Galen pay 3.34%, 3.34% and 3.33% respectively.
  • Lyons, NY’s insurance is 4.7% of monthly housing costs of $1,030/month, for owners with a mortgage compared to 4.39% in Arcadia, 4.5% at Newark & 4.73% in Galen. But, for households without a mortgage, insurance is 8.9% of costs ($542 in Lyons, NY) in contrast with 9.67% in Arcadia, 9.36% at Newark & 10.5% in Galen.

Lyons, NY Home Values & Insurance rates

For example, insurance for 41 Homes (2.0% of total homes ) valued between $200,000 to $249,999 in Lyons, NY is about $1,870.

Lyons, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 343 21.0% $203
$50,000 to $59,999 147 9.0% $435
$60,000 to $69,999 301 19.0% $534
$70,000 to $79,999 74 4.0% $621
$80,000 to $89,999 208 13.0% $703
$90,000 to $99,999 97 6.0% $784
$100,000 to $124,999 238 15.0% $912
$125,000 to $149,999 45 2.0% $1138
$150,000 to $174,999 16 1.0% $1347
$175,000 to $199,999 43 2.0% $1557
$200,000 to $249,999 41 2.0% $1870
$250,000 to $299,999 20 1.0% $2289

Renters Insurance in Lyons

  • Average Renters Insurance in Lyons :  $212($17/month)

  • Median Gross Rent in Lyons :  $569

  • Lyons Renters Insurance to Median Rent Ratio:  2.99%

  • Renter occupied housing units in Lyons :  785

Lyons Renters Insurance as a Percentage of Rent

Lyons Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 38 5.0% $803
$300 to $499 245 33.0% $1253
$500 to $749 199 26.0% $1928
$750 to $999 129 17.0% $2678
$1,000 to $1,499 131 17.0% $3803

Rent Affordability in Lyons:

Approximately 57.0% (455) of households are spending more than 35% of their income on gross rent in Lyons

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 22 2.0%
15.0 to 19.9 percent 100 12.0%
20.0 to 24.9 percent 65 8.0%
25.0 to 29.9 percent 98 12.0%
30.0 to 34.9 percent 45 5.0%
35.0 percent or more 455 57.0%

Lyons Renters Insurance Discounts:

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

Number of Vehicles in Lyons, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 411 52.0% $21.2
2 vehicles available 135 17.0% $31.8
3 or more vehicles available 11 1.0% $42.4

Protective device discount in Lyons Up to :  $31

Claims-free discount in Lyons Up to :  $42