Allegany Insurance Rates:

Allegany, NY homeowners insurance is nearly $497 to $675, about $41-$56/month. Our exhaustive guide reveals consumers can save upto $234 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Allegany, NY Homeowners Insurance By Home Value

Allegany, NY Home Value Total Homes % of Total Average Allegany, NY Homeowners Insurance
Less than $50,000 441 21.0% $152
$50,000 to $59,999 88 4.0% $322
$60,000 to $69,999 114 5.0% $404
$70,000 to $79,999 154 7.0% $462
$80,000 to $89,999 188 9.0% $527
$90,000 to $99,999 119 5.0% $586
$100,000 to $124,999 176 8.0% $679
$125,000 to $149,999 139 6.0% $849
$150,000 to $174,999 285 13.0% $1007
$175,000 to $199,999 65 3.0% $1166
$200,000 to $249,999 145 7.0% $1400
$250,000 to $299,999 82 4.0% $1711
$300,000 to $399,999 52 2.0% $2174

Top Home Insurance Agents Near Allegany, NY

Home Insurance Company Near Allegany, NY Homeowners Insurance Agency Near Allegany, NY Address
NA The Hedley Brook Agency, Inc. 818 W State St, Olean, NY, 14760
Travelers Great Lakes Insurance Services Group Llc 4535 SOUTHWESTERN BLVD STE 808, HAMBURG, NY, 14075
Travelers Hasper & Dye Inc 25 Main St PO Box 426, Belfast, NY, 14711
Travelers Iroquois Services Corp-Nh 35 WEST MAIN ST, ALLEGANY, NY, 14706
Travelers Putnam Record Agency-Iroquois 77 E 4TH ST, DUNKIRK, NY, 14048

Cost Of Homeowners Insurance By Street Near Allegany, NY

Streets in Allegany Area Homeowners Insurance Cost
Cuba Maplehurst, Court St, Co Hwy 61, Hastings Rd, Co Hwy 83, Co Pond Rd, N Branch Rd, Bushey Cir, Mediterranean Rd, Maine Hill Rd$584
Old Rte 16, Morgan Hollow Rd, Munger Hollow Rd, Currie Ln, Steward Sans Hill Rd, Temple St, Colwell St, Co Rd 31, Buzzard Hill Rd, Sabo Rd$585
Woodland Cir, Buffalo Rd, Indian Rd, Martins Corners Rd, Co Hwy 51, Co Hwy 26, Rock City Rd, W State Rd, Spencer Rd, Holts Run Rd$585
Co Rd 27, Gargoyle Rd, Nolan Dr, E Main St, E Riverside Dr, Riley Rd, W Carroll Rd, E River Rd, Eldorado Hts, Daniel's Gate$581
Smith Rd, Haskell Rd, Kansas Ave, King's Row, Old Legging Rd, Cherry Valley Rd, Heddon Hollow Rd, Old Logging Rd, McKeinis Rd, Barrett St$581

Allegany, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Allegany$87 to $90
St. Bonaventure$87
Foster Brook$102
Great Valley$88

Allegany, 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
St. Bonaventure CDP, New York $73 $97 $146
Olean city, New York $73 $97 $145
Carrollton town, Cattaraugus County, New York $73 $97 $145

Allegany, 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
Allegany, NY3.9%10.0%
St. Bonaventure5.51%13.48%
Olean4.69%9.68%
Carrollton5.18%13.31%

Allegany Renters Insurance as a Percentage of Rent

Allegany Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 7 1.0% $350
$200 to $299 17 2.0% $800
$300 to $499 121 19.0% $1250
$500 to $749 279 45.0% $1925
$750 to $999 71 11.0% $2675
$1,000 to $1,499 108 17.0% $3800
$1,500 or more 12 1.0% $5450

Allegany, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Allegany Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,500$7,000
Net Savings to Allegany Home Owner from High Deductible Plan $1,500

Allegany, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Allegany, NY Home Replacement Value MORE than Home Value Allegany, NY Home Replacement Value LESS than Home Value
Replacement Value $107,000 $66,500
Insurance Premium based on Replacement Value $975 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,000 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $200/year

Example Allegany Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmFarmers Insurance
Monthly Premium 113224182
Year Built 201019621991
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$250000-$300000$350000-$400000
Deductible $500 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 370,000 Membrane Roof 4,730 5 $500- $1000 Deductible 3810 10 Stucco siding yes
1997 210,000 Membrane Roof 2,710 5 $2500-$5000 Deductible 90 1 Fiber-Cement Siding No
1948 195,000 Slate Shingles Roof 3,090 4 $1000-$2500 Deductible 130 1 Vinyl siding No
1992 175,000 Shingles Roof 2,340 3 $500 Deductible 1150 7 Wood siding No
1961 110,000 Metal Roof 1,700 3 $500- $1000 Deductible 650 9 Vinyl siding yes
1987 75,000 Tile Roof 1,350 3 $500 Deductible 90 2 Vinyl siding No
2002 120,000 Slate Shingles Roof 1,840 3 $500 Deductible 200 2 Brick siding No
1970 255,000 Wood Shake Roof 4,240 5 $2500-$5000 Deductible 120 1 Stone Siding yes
1995 135,000 Shingles Roof 2,530 4 $500- $1000 Deductible 650 6 Wood siding yes
2006 200,000 Metal Roof 2,700 4 $500- $1000 Deductible 1200 10 Stone Siding No
1943 110,000 Slate Shingles Roof 1,710 3 $500- $1000 Deductible 990 8 Wood siding No
2006 150,000 Slate Shingles Roof 2,490 5 $500 Deductible 950 8 Stucco siding yes
2010 235,000 Composition Roof 3,060 4 $5000 to $10,000 Deductible 1060 10 Brick siding yes
1989 280,000 Slate Shingles Roof 4,460 5 $2500-$5000 Deductible 660 4 Vinyl siding No
2013 170,000 Wood Shake Roof 2,550 5 $500 Deductible 970 7 Stucco siding No
2003 95,000 Metal Roof 1,430 3 $500- $1000 Deductible 460 7 Brick siding yes
1941 195,000 Membrane Roof 2,450 4 $500- $1000 Deductible 470 3 Stucco siding yes
1972 200,000 Slate Shingles Roof 3,030 5 $500- $1000 Deductible 920 8 Fiber-Cement Siding yes
2000 120,000 Metal Roof 2,110 4 $500 Deductible 730 7 Wood siding No
2004 175,000 Membrane Roof 2,920 5 $5000 to $10,000 Deductible 510 6 Stucco siding yes
1961 100,000 Membrane Roof 1,440 3 $1000-$2500 Deductible 480 6 Wood siding No
1949 200,000 Metal Roof 3,270 4 $500 Deductible 290 2 Stone Siding No
2002 100,000 Shingles Roof 1,740 3 $500- $1000 Deductible 210 4 Brick siding No
2006 350,000 Asphalt Shingles Roof 4,290 5 $5000 to $10,000 Deductible 1940 9 Stone Siding yes
1970 195,000 Composition Roof 3,200 4 $500- $1000 Deductible 1910 12 Vinyl siding yes
2000 135,000 Slate Shingles Roof 1,760 3 $2500-$5000 Deductible 90 1 Wood siding yes
1960 75,000 Slate Shingles Roof 1,240 3 $1000-$2500 Deductible 290 6 Fiber-Cement Siding yes
2008 130,000 Wood Shake Roof 1,790 5 $500 Deductible 190 2 Stucco siding No
1999 175,000 Shingles Roof 2,240 4 $500 Deductible 600 4 Brick siding yes
1940 115,000 Composition Roof 1,720 4 $500 Deductible 650 7 Fiber-Cement Siding No
2008 125,000 Shingles Roof 2,260 3 $500 Deductible 340 3 Stone Siding yes