Sullivan Insurance Rates:

Sullivan, NY home insurance is approximately $503 to $682, about $41-$56/month. Our thorough research shows customers can save as much as $236 by comparing different quotes

Compare Quotes from Top Providers and Save now!

Insiders & Sullivan, New York Homeowners share details on the best insurance carriers. Compare & choose the best.

Sullivan Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $210/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1860 sqft Vacation Property Constructed In 2014 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Female who is Unemployed 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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2110/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Baths 4190 sqft Primary Residence Constructed In 1962 with Wood Flooring, Membrane Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 1620 sqft Primary Residence Constructed In 1942 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $2560/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 3430 sqft Seasonal Residence Constructed In 1982 with Hardwood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Female who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $910/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1280 sqft Primary Residence Constructed In 2013 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1700 sqft Seasonal Residence Constructed In 1976 with Linoleum, Tile Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $970/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1770 sqft Primary Residence Constructed In 1997 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who is Unemployed and has 3 Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1920/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Bath 4370 sqft Seasonal Residence Constructed In 1970 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $2370/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 3620 sqft Rental Property Constructed In 1946 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2260 sqft Rental Property Constructed In 1992 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Sullivan Rates & Quotes Analysis:

Sullivan Area Estimated House Insurance
Smithridge Rd, Clark Rd, Mohr Rd, Falls Rd, Co Hwy 2, Dyke Rd, Tuscarora Rd, Clay Hill Rd, Ash Ln, Lumia Ln$591
Minoa Beach Rd, Co Hwy 23, Old Rte 5, Souter Rd, Lestina Beach Rd, McGraw Rd, Larkin St, Co Hwy 17, Old Seneca Tpke, Adams Rd$594
Falls Blvd, Oswego Ave, New Boston Rd, Seneca Ave, Lock Ln, Brinkerhoff Hill Rd, Oak Ln, Willow Run, Whitelaw Rd W, Kinderhook Rd$591
Fly Rd, Schuyler Dr, Donna Cir, Perryville Rd, Camp Rd, Benedict Manor Dr, White Bridge Rd, Evans Rd, Calvary Rd, McGraw Rd$590
Kimberlee Dr, Black Creek Rd, Monroe Ave, Lafayette Ave, Rouse St, Hill St, John Peet Rd, Heathfield Rd, Stirrup Run, Lock Ln$590

Insurance rates are influenced by a number of factors including:

  • Year Built: 926 Homes (13% of total homes ) built between 1950 to 1959 in Sullivan are paying home insurance between $1,111-$1,120. Places close to Sullivan, NY such as Manlius, Fayetteville, De Witt are more expensive by $21, $18, $11 respectively while Bridgeport and East Syracuse are cheaper by $16 and $10 respectively for similar homes.
  • Bedrooms: 1,056 4 bedrooms homes (15% of total homes ) in Sullivan are paying about $450. Areas near to Sullivan such as Manlius, Lenox, Fayetteville are costlier by $14, $8, $12 respectively whereas East Syracuse and Cleveland are more economical by $5, $4 respectively for similar homes.
  • Auto Insurance Bundling: 2,520 Households (51% of all households) in Sullivan have 2 vehicles available and when it is bundled with home insurance you can save $118. Discounts for similar bundling in close by locations such as Chittenango, Manlius, Minoa come to $118, $120, $118 respectively.
  • Senior Discounts: 2,393 seniors (more than 55 years) occupied housing units (49% of total) in Sullivan get discounts between $88 to $91 and differs from Chittenango ($88), Manlius ($90), Bridgeport ($87).
  • New Homes discounts: New homes such as the 2,623 homes built between 2000 to 2009 in Sullivan can save $118 compared to Chittenango ($118), Manlius ($120), Minoa ($118).

Sullivan Homeowners insurance Facts

  • Sullivan, NY has 4,851 owner occupied houses which is 81.6% of all units whereas Chittenango, Manlius and Minoa have 77.58%, 79.57% and 74.43% respectively.
  • Sullivan, NY homeowners yearly insurance price at $592 is 0.47% of the typical house value of $127,200 which is in contrast with 0.49% in Chittenango, 0.35% at Manlius & 0.49% in Minoa.
  • Homeowners in Sullivan, NY pay 11.84% of their income (Less than $10,000) in insurance whereas homeowners in Chittenango, Manlius and Minoa pay 11.82%, 12.04% and 11.82% respectively.
  • Sullivan, NY’s insurance is 3.6% of monthly housing costs of $1,354/month, for owners with a mortgage compared to 3.61% in Chittenango, 2.86% at Manlius & 3.86% in Minoa. But, for households without a mortgage, insurance is 9.7% of costs ($507 in Sullivan, NY) in contrast with 11.22% in Chittenango, 7.44% at Manlius & 8.57% in Minoa.

Sullivan, NY Home Values & Insurance rates

For example, insurance for 309 Homes (6.0% of total homes ) valued between $175,000 to $199,999 in Sullivan, NY is about $870. Rates in nearby areas in such as Manlius, Fayetteville, De Witt are cheaper by $220, $198, $153 respectively while Chittenango and Minoa are costlier by $46 and $51 respectively for similar homes.

Sullivan, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 460 9.0% $112
$50,000 to $59,999 73 1.0% $242
$60,000 to $69,999 282 6.0% $301
$70,000 to $79,999 272 5.0% $343
$80,000 to $89,999 366 7.0% $390
$90,000 to $99,999 318 6.0% $438
$100,000 to $124,999 607 12.0% $509
$125,000 to $149,999 595 12.0% $639
$150,000 to $174,999 602 12.0% $751
$175,000 to $199,999 309 6.0% $870
$200,000 to $249,999 406 8.0% $1047
$250,000 to $299,999 206 4.0% $1278
$300,000 to $399,999 189 4.0% $1628

Renters Insurance in Sullivan

  • Average Renters Insurance in Sullivan :  $190($15/month)

  • Median Gross Rent in Sullivan :  $696

  • Sullivan Renters Insurance to Median Rent Ratio:  2.16%

  • Average household size of renter-occupied unit :  2.34

Sullivan Renters Insurance as a Percentage of Rent

Sullivan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 44 4.0% $347
$200 to $299 34 3.0% $797
$300 to $499 140 13.0% $1247
$500 to $749 422 39.0% $1922
$750 to $999 255 24.0% $2672
$1,000 to $1,499 141 13.0% $3797
$1,500 or more 24 2.0% $5447

Protective device discount in Sullivan Up to :  $28

Claims-free discount in Sullivan Up to :  $38