Royalton Insurance Rates:

Royalton, NY home insurance is approximately $500 to $680, about $41-$56/month. Our complete research shows customers can save upto $236 by comparing multiple quotes

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

Royalton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1560/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2330 sqft Primary Residence Constructed In 1945 with Stone Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $930/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1900 sqft Primary Residence Constructed In 2004 with Linoleum, Metal Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $870/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1980 sqft Primary Residence Constructed In 1983 with Carpet Flooring, Metal Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $200/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

5 Beds, 5 Baths 1720 sqft Primary Residence Constructed In 1946 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $940/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 2370 sqft Primary Residence Constructed In 1986 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $240/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 2240 sqft Rental Property Constructed In 2001 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Female 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 :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $640/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1870 sqft Vacation Property Constructed In 2006 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1720/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 3920 sqft Rental Property Constructed In 2006 with Linoleum, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Royalton Rates & Quotes Analysis:

Royalton Area Estimated House Insurance
N Hartland St, Bell Rd, Carmen Rd, Dysinger Rd, S Carmen Rd, Block Church Rd, Orchard St, Kelly Ave, Mack Rd, Rochester Rd$592
Co Rd 118, Cottage Rd, S County Line Rd, Jackson Rd, Chestnut Ridge Rd, State Rte 77, Freeman Rd, Ertman Rd, Watson Ave, Pebble Ct$590
Co Rd 77, Locust Dr, S Hartland St, Bolton Rd, Singer Rd, Royalton Center Rd, Co Rd 45, Gasport Rd, Riddle Rd, State Rte 271$591
Mechanic St, Maplewood Dr, State St, State Rte 31E, Grove Rd, Telegraph Rd, S Vernon St, Highland Dr, Central Ave, Washington Ave$592
Emerson Pl, Carolyn St, Graham Rd, Foote Rd, Vernon St, Maedl Ln, Wolcottsville Rd, March Rd, Alfred St, N Vernon St$583

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,270 Homes (42% of total) built between 1939 or earlier in Royalton are paying home insurance between $1,260-$1,269 in contrast with Newstead (+$12), Clarence (+$51), Clarence Center (+$34), Middleport (-$15) and Rapids (-$14).
  • Bedrooms: 1,466 3 bedrooms homes (49% of total homes ) in Royalton are paying about $278. Areas near to Royalton such as Clarence, Pendleton, Cambria are costlier by $11, $4, $3 respectively whereas Gasport and Middleport are more economical by $7, $9 respectively for similar homes.
  • Auto Insurance Bundling: 641 Households (29% of all households) in Royalton 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 Gasport, Middleport, Rapids come to $146, $145, $146 respectively.
  • Senior Discounts: 898 seniors (more than 55 years) occupied housing units (41% of total) in Royalton get discounts between $88 to $90 and differs from Gasport ($88), Middleport ($87), Newstead ($89).
  • New Homes discounts: New homes such as the 759 homes built between 2000 to 2009 in Royalton can save $118 and similar new home insurance discounts in nearby towns and cities like Gasport, Middleport and Rapids are $117, $116 and $116 respectively.

Royalton Homeowners insurance Facts

  • Royalton, NY has 2,180 owner occupied houses which is 79.3% of all units whereas Gasport, Middleport and Rapids have 68.77%, 67.71% and 91.7% respectively.
  • Royalton, NY homeowners yearly insurance price at $590 is 0.5% of the typical house value of $117,000 which is in contrast with 0.6% in Gasport, 0.73% at Middleport & 0.68% in Rapids.
  • Homeowners in Royalton, NY pay 2.62% of their income ($20,000 to $24,999) in insurance whereas homeowners in Gasport, Middleport and South Lockport pay 2.61%, 2.59% and 2.59% respectively.
  • Royalton, NY’s insurance is 3.7% of monthly housing costs of $1,347/month, for owners with a mortgage compared to 3.91% in Gasport, 4.24% at Middleport & 2.91% in Rapids. But, for households without a mortgage, insurance is 7.8% of costs ($632 in Royalton, NY) in contrast with 6.69% in Gasport, 8.83% at Middleport & 9.6% in Rapids.

Royalton, NY Home Values & Insurance rates

For example, insurance for 179 Homes (8.0% of total homes ) valued between $90,000 to $99,999 in Royalton, NY is about $477. Rates in nearby areas in such as Newstead, Clarence, Clarence Center are cheaper by $67, $232, $187 respectively while Gasport and Middleport are costlier by $86 and $216 respectively for similar homes.

Royalton, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 94 4.0% $123
$50,000 to $59,999 46 2.0% $259
$60,000 to $69,999 116 5.0% $324
$70,000 to $79,999 141 6.0% $377
$80,000 to $89,999 254 11.0% $424
$90,000 to $99,999 179 8.0% $477
$100,000 to $124,999 382 18.0% $554
$125,000 to $149,999 271 12.0% $690
$150,000 to $174,999 183 8.0% $814
$175,000 to $199,999 136 6.0% $944
$200,000 to $249,999 142 6.0% $1132
$250,000 to $299,999 93 4.0% $1386
$300,000 to $399,999 83 3.0% $1764

Renters Insurance in Royalton

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

  • Median Gross Rent in Royalton :  $684

  • Royalton Renters Insurance to Median Rent Ratio:  2.34%

  • Average household size of renter-occupied unit :  2.36

Royalton Renters Insurance as a Percentage of Rent

Royalton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 25 4.0% $798
$300 to $499 79 14.0% $1248
$500 to $749 247 45.0% $1923
$750 to $999 106 19.0% $2673
$1,000 to $1,499 91 16.0% $3798

Rent Affordability in Royalton:

Approximately 26.0% (152) of households are spending more than 35% of their income on gross rent in Royalton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 76 13.0%
15.0 to 19.9 percent 149 26.0%
20.0 to 24.9 percent 54 9.0%
25.0 to 29.9 percent 54 9.0%
30.0 to 34.9 percent 85 14.0%
35.0 percent or more 152 26.0%

Royalton Renters Insurance Discounts:

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

Number of Vehicles in Royalton, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 220 38.0% $19.4
2 vehicles available 185 32.0% $29.1
3 or more vehicles available 56 9.0% $38.8

Protective device discount in Royalton Up to :  $29

Claims-free discount in Royalton Up to :  $38