Rochester Insurance Rates:

Rochester, NY home insurance is roughly $495 to $670, about $41-$55/month. Our in depth research shows customers can save as much as $232 by comparing different quotes

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Rochester Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $240/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1600 sqft Vacation Property Constructed In 1960 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Married Male who is Unemployed 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 $170/4 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1400 sqft Seasonal Residence Constructed In 1964 with Wood Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 600-649 Credit Score

Home Insurance Rate of $120/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1860 sqft Rental Property Constructed In 1940 with Wood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1540 sqft Seasonal Residence Constructed In 1945 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1540/12 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1529 sqft Rental Property Constructed In 1966 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

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Rochester Rates & Quotes Analysis:

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

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,983 Homes (7% of total) built between 1970 to 1979 in Rochester are paying home insurance between $943-$952 and varies from Irondequoit (+$13), Brighton (+$32), North Gates (+$10).
  • Bedrooms: 28,008 2 bedrooms homes (29% of total homes ) in Rochester are paying about $216 compared to Irondequoit (+$3), Brighton (+$7), Greece (+$4), East Rochester (-$5) and Scottsville (-$3).
  • Auto Insurance Bundling: 4,261 Households (12% of all households) in Rochester 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 Irondequoit, Brighton, North Gates come to $147, $150, $147 respectively.
  • Senior Discounts: 15,093 seniors (more than 55 years) occupied housing units (43% of total) in Rochester get discounts between $87 to $89 and varies from Irondequoit ($88), Brighton ($90), East Rochester ($87).
  • New Homes discounts: New homes such as the 14,430 homes built between 2000 to 2009 in Rochester can save $116 and varies from Irondequoit ($118), Brighton ($120), North Gates ($117).

Rochester Homeowners insurance Facts

  • Rochester, NY has 34,807 owner occupied houses which is 40.4% of all units whereas Irondequoit, Brighton and North Gates have 79.54%, 57.27% and 59.51% respectively.
  • Rochester, NY homeowners yearly insurance price at $582 is 0.77% of the typical house value of $75,800 which is in contrast with 0.51% in Irondequoit, 0.35% at Brighton & 0.55% in North Gates.
  • Homeowners in Rochester, NY pay 1.55% of their income ($35,000 to $39,999) in insurance whereas homeowners in Irondequoit, Brighton and North Gates pay 1.57%, 1.6% and 1.57% respectively.
  • Rochester, NY’s insurance is 4.7% of monthly housing costs of $1,039/month, for owners with a mortgage compared to 3.82% in Irondequoit, 2.94% at Brighton & 4.02% in North Gates. But, for households without a mortgage, insurance is 10.3% of costs ($471 in Rochester, NY) in contrast with 8.87% in Irondequoit, 6.62% at Brighton & 10.79% in North Gates.

Rochester, NY Home Values & Insurance rates

For example, insurance for 1,654 Homes (4.0% of total homes ) valued between $125,000 to $149,999 in Rochester, NY is about $1,053. Rates in nearby areas in such as Irondequoit, Brighton, North Gates are cheaper by $351, $567, $295 respectively while Lakeville and Lyons are costlier by $4,202 and $85 respectively for similar homes.

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

Renters Insurance in Rochester

  • Average Renters Insurance in Rochester :  $209($17/month)

  • Median Gross Rent in Rochester :  $738

  • Rochester Renters Insurance to Median Rent Ratio:  2.3%

  • Average household size of renter-occupied unit :  2.24

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

Rent Affordability in Rochester:

Approximately 55.0% (28,592) of households are spending more than 35% of their income on gross rent in Rochester

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,768 9.0%
15.0 to 19.9 percent 4,164 8.0%
20.0 to 24.9 percent 4,901 9.0%
25.0 to 29.9 percent 4,870 9.0%
30.0 to 34.9 percent 4,048 7.0%
35.0 percent or more 28,592 55.0%

Rochester Renters Insurance Discounts:

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

Number of Vehicles in Rochester, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 22,969 44.0% $20.9
2 vehicles available 6,505 12.0% $31.35
3 or more vehicles available 1,466 2.0% $41.8

Rochester Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 3,284 6.0% $73
60 to 64 years 2,692 5.0% $59
65 to 74 years 3,023 5.0% $47
75 years and over 2,092 4.0% $36

Protective device discount in Rochester Up to :  $31

Claims-free discount in Rochester Up to :  $41

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