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Rochester, NY Home Values & Insurance Rates

Rochester, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 6,183 18.0% $186
$50,000 to $59,999 3,882 11.0% $401
$60,000 to $69,999 5,303 15.0% $494
$70,000 to $79,999 3,523 10.0% $570
$80,000 to $89,999 3,387 10.0% $651
$90,000 to $99,999 2,058 6.0% $727
$100,000 to $124,999 3,112 9.0% $843
$125,000 to $149,999 1,654 4.0% $1053
$150,000 to $174,999 1,103 3.0% $1245
$175,000 to $199,999 815 2.0% $1437
$200,000 to $249,999 882 2.0% $1728
$250,000 to $299,999 762 2.0% $2112
$300,000 to $399,999 930 2.0% $2683

Rochester Renters Insurance as a Percentage of Rent

Rochester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 2,387 4.0% $802
$300 to $499 5,908 11.0% $1252
$500 to $749 17,349 34.0% $1927
$750 to $999 15,052 29.0% $2677
$1,000 to $1,499 8,062 15.0% $3802
$1,500 or more 1,288 2.0% $5452

Example Rochester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceGEICO Insurance
Monthly Premium 10740105
Year Built 196019491965
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$50000-$75000$200000-$250000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible> $10,000 Deductible

Top Home Insurance Agents Near Rochester, NY

Home Insurance Company Near Rochester, NY Homeowners Insurance Agency Near Rochester, NY Address Distance from Rochester, NY (miles)
Sam Hart Inc Dba Hart's Insurance Agency 3 Main St S, Perry, NY, 14530 36.8
Tompkins Insurance Agencies Inc (Alden) 13360 Broadway St, Alden, NY, 14004 47.9
Smola Consulting Llc 1 Washington St S Ste 520, Rochester, NY, 14614 1.1
Travelers Ferris Agency Inc 1460 LYELL AVE STE 700, ROCHESTER, NY, 14606 2.4
Travelers Pinnacle Insurance Agency 3255 BRIGHTON-HENRIETTA TOWN LINE RD, ROCHESTER, NY, 14623 5.3

Rochester, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
14609 $90,900 $590
14615 $87,100 $590
14619 $73,100 $580
14613 $68,100 $580
14608 $64,200 $580
14611 $61,500 $580
14621 $57,600 $580
14605 $49,300 $580
14607 $184,900 $610
14610 $155,100 $600
14626 $136,100 $600
14612 $132,400 $600
14620 $128,900 $590
14617 $123,500 $600
14623 $115,100 $590
14622 $108,400 $590
14606 $101,300 $590

Estimated Home Insurance By Street Area Near Rochester, NY

Rochester Area Estimated House Insurance
Grenville Rd, Galena St, Ryan Aly, Oaktwist Cir, Somerton St, Cranbrooke Dr, Avion Dr, Haidt Pl, Long Acre Rd, Sherer St$None
Allandale Ave, Dryer Aly, Barker St, Howard St, Cedar St, Costich Rd, Atkinson St, Upper Falls Blvd, Berdell St, Lenox St$574
Platt St, Mc Naughton St, Front St, Tyler St, State Rte 252A, Calihan Park, Meadowcroft Rd, S Glen Rd, Hortense St, Orland Rd$591
Seth Green Dr, Railroad St, Rauber St, Azo St, Dorbeth Rd, Love St, Ward St, Ave B, Moran St, Parker Ln$577
Wisconsin St, Arbordale Ave, Ok Ter, Milan St, Ashland St, Herald St, Uhlen Pl, Ter Park, Cooper Rd, Hoffman Rd$595
Barnum St, Airview Dr, Couchman Ave, Nelson St, Aberthaw Rd, Lux St, Charlotte St, Sumner Park, Lynchester St, Newbury St$581
Baird St, Roslyn St, Berkshire St, Mc Lean St, Woodside Pl, Utica Pl, Beckwith Ter, Benwell Rd, Amsterdam Rd, Saxton St$604
Aster St, Le Frois St, Field St, Northland Ave, Dr Samuel McCree Way, Gould St, Valois St, Silverknoll Dr, Dodridge St, Burrows St$608
Galusha St, Dayton St, Bly St, Palmer St, Gothic St, San Gabriel Dr, Lloyd St, Weldon St, Imperial Hts E, Marigold St$585
Hoeltzer St, Bernard St, Spencer St, Rudman Dr, Barons St, Inglewood Dr, Nandor Dr, Trenaman St, Argo Park, Angelus Dr$576

Rochester, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Rochester Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,400$10,200
Net Savings to Rochester Home Owner from High Deductible Plan $1,200

Rochester, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rochester, NY Home Replacement Value MORE than Home Value Rochester, NY Home Replacement Value LESS than Home Value
Replacement Value $92,000 $68,000
Insurance Premium based on Replacement Value $950 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,000 Risk Exposure from Under Insuring Coverage is $14,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year