Alfred Insurance Rates:

Alfred, NY homeowners insurance is roughly $499 to $678, about $41-$56/month. Our complete analysis shows customers can save as much as $235 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Alfred, NY Homeowners Insurance By Home Value

Alfred, NY Home Value Total Homes % of Total Average Alfred, NY Homeowners Insurance
Less than $50,000 55 14.0% $135
$50,000 to $59,999 22 5.0% $288
$60,000 to $69,999 12 3.0% $352
$70,000 to $79,999 31 7.0% $411
$80,000 to $89,999 12 3.0% $464
$90,000 to $99,999 41 10.0% $523
$100,000 to $124,999 80 20.0% $605
$125,000 to $149,999 74 19.0% $752
$150,000 to $174,999 33 8.0% $893
$175,000 to $199,999 16 4.0% $1029
$200,000 to $249,999 6 1.0% $1240

Top Home Insurance Agents Near Alfred, NY

Home Insurance Company Near Alfred, NY Homeowners Insurance Agency Near Alfred, NY Address
NA F G Wright Agcy Inc 124 Lake Street , Penn Yan, NY, 14527
NA Weast Agency, Llc 2 Park Sq, Franklinville, NY, 14737
Allstate Kari Buckles 1224 E State St, Olean, NY, 14760
Allstate Mitchell Joseph Insurance Agency 130 S. Main Street, Naples, NY, 14512
State Farm Ryan Callahan 415 madison ave, Olean, NY, 14760

Cost Of Homeowners Insurance By Street Near Alfred, NY

Streets in Alfred Area Homeowners Insurance Cost
Pine Hill Dr, Warfield Gully Rd, Oil Well St, Brody Slide Rd, 3rd St, Marvin Ln, White Creek Ln, Old Withey Rd, Cameron St, Stout Rd$579
Sherman Rd, Gleason Rd, Crescent Pl, Crescent Exd, Co Rd 22, North Rd, Crescent Dr, 1st St, Decker Rd, Maple Ridge$585
Wadsworth Hill Rd, Oak Ridge Ln E, Co Rd 12, Reynolds St, State Rte 21, Co Rd 42, Vandermark Rd, Lynch-Casey Rd, State Rte 248, Maple Ridge St$586
Chapel St, Cornelius Rd, Perkins Rd, Schoolhouse Rd, Roeske Rd, Clark Rd Exn, Duke Rd, Walter Rd, Jones Rd, Randolph Rd$585
1st Ave, Brink Rd, Stewart Forest Rd, Canacadea St, Truax Rd, Lewis Rd, Schoolhouse Hill Rd, Proctor Rd, Co Rd 10, Dry Brook Rd$585

Alfred, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alfred$88 to $90
Ward$87
Andover$86
North Hornell$88

Alfred, NY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Ward town, Allegany County, New York $73 $97 $146
Andover town, Allegany County, New York $72 $96 $144
Hartsville town, Steuben County, New York $73 $97 $145

Alfred, NY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alfred, NY3.6%10.3%
Ward4.95%8.55%
Andover5.09%11.02%
Hartsville5.48%13.19%

Alfred Renters Insurance as a Percentage of Rent

Alfred Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 47 12.0% $1249
$500 to $749 158 42.0% $1924
$750 to $999 80 21.0% $2674
$1,000 to $1,499 69 18.0% $3799
$1,500 or more 15 4.0% $5449

Alfred, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$7,000
Yearly Alfred Homeowner Insurance Premium Example $2,600$1,400
Out of Pocket Expense During Claim$1,000$7,000
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $16,600$15,400
Net Savings to Alfred Home Owner from High Deductible Plan $1,200

Alfred, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Alfred, NY Home Replacement Value MORE than Home Value Alfred, NY Home Replacement Value LESS than Home Value
Replacement Value $110,000 $74,500
Insurance Premium based on Replacement Value $1,000 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,500 Risk Exposure from Under Insuring Coverage is $16,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $175/year

Example Alfred Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmErie InsuranceFarmers Insurance
Monthly Premium 6893205
Year Built 200219481992
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $75000-$100000$150000-$175000$300000-$350000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Alfred, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 115,000 Shingles Roof 1,750 2 $2500-$5000 Deductible 730 12 Wood siding No
1945 310,000 Slate Shingles Roof 4,540 5 $5000 to $10,000 Deductible 960 7 Stucco siding yes
2002 295,000 Membrane Roof 3,830 5 > $10,000 Deductible 980 7 Fiber-Cement Siding yes
1984 140,000 Slate Shingles Roof 2,260 3 $1000-$2500 Deductible 720 7 Vinyl siding No
2006 205,000 Composition Roof 2,790 5 $5000 to $10,000 Deductible 780 7 Fiber-Cement Siding yes
1945 100,000 Slate Shingles Roof 1,140 2 $2500-$5000 Deductible 470 9 Wood siding No
2006 245,000 Composition Roof 2,850 4 $2500-$5000 Deductible 610 3 Wood siding yes
1940 365,000 Wood Shake Roof 4,890 5 > $10,000 Deductible 1870 10 Stone Siding No
1942 185,000 Slate Shingles Roof 2,820 4 $5000 to $10,000 Deductible 760 10 Stucco siding yes
1986 270,000 Slate Shingles Roof 4,220 5 $5000 to $10,000 Deductible 140 1 Stucco siding No
1981 330,000 Membrane Roof 4,630 5 > $10,000 Deductible 1410 10 Brick siding No
1985 195,000 Shingles Roof 2,290 3 $1000-$2500 Deductible 180 1 Brick siding yes
1940 150,000 Tile Roof 2,060 5 $500 Deductible 1860 12 Stucco siding No
1987 235,000 Tile Roof 3,390 4 > $10,000 Deductible 120 1 Wood siding No
1987 140,000 Asphalt Shingles Roof 1,930 3 $500 Deductible 460 5 Stucco siding yes
1992 75,000 Composition Roof 950 2 $1000-$2500 Deductible 270 5 Fiber-Cement Siding No
1948 100,000 Tile Roof 1,380 2 $500 Deductible 1100 12 Stucco siding yes
1992 155,000 Metal Roof 2,310 4 $500 Deductible 850 7 Wood siding yes
1997 145,000 Membrane Roof 2,140 4 $2500-$5000 Deductible 450 6 Fiber-Cement Siding yes
1996 110,000 Slate Shingles Roof 1,630 2 $1000-$2500 Deductible 620 8 Vinyl siding No
1941 150,000 Metal Roof 2,040 3 $1000-$2500 Deductible 1150 9 Vinyl siding No
1986 125,000 Asphalt Shingles Roof 2,030 3 $500- $1000 Deductible 740 9 Stucco siding No
1995 215,000 Wood Shake Roof 2,500 5 $500 Deductible 730 5 Stone Siding yes
2001 180,000 Membrane Roof 2,940 4 $2500-$5000 Deductible 910 10 Wood siding No
2000 185,000 Membrane Roof 2,160 3 $500 Deductible 1270 6 Wood siding yes
1995 270,000 Metal Roof 3,320 4 $1000-$2500 Deductible 1840 7 Fiber-Cement Siding yes
1981 90,000 Metal Roof 1,240 2 $1000-$2500 Deductible 410 5 Vinyl siding No
1998 85,000 Metal Roof 1,400 3 $2500-$5000 Deductible 270 5 Stucco siding No
2004 115,000 Metal Roof 1,790 4 $2500-$5000 Deductible 330 7 Stucco siding No
2004 230,000 Wood Shake Roof 3,270 4 > $10,000 Deductible 1030 9 Brick siding yes
1989 65,000 Metal Roof 930 2 $500- $1000 Deductible 410 9 Brick siding No
1988 215,000 Shingles Roof 2,670 5 $1000-$2500 Deductible 1700 12 Vinyl siding yes
2007 185,000 Shingles Roof 2,350 4 $500- $1000 Deductible 280 2 Fiber-Cement Siding No
1987 180,000 Tile Roof 2,120 5 $2500-$5000 Deductible 570 5 Stucco siding yes