Big Flats Insurance Rates:

Big Flats, NY homeowners insurance is about $505 to $686, about $42-$57/month. Our detailed research shows customers can save as much as $238 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Big Flats, NY Homeowners Insurance By Home Value

Big Flats, NY Home Value Total Homes % of Total Average Big Flats, NY Homeowners Insurance
Less than $50,000 154 6.0% $101
$50,000 to $59,999 58 2.0% $214
$60,000 to $69,999 115 4.0% $267
$70,000 to $79,999 32 1.0% $309
$80,000 to $89,999 41 1.0% $351
$90,000 to $99,999 231 9.0% $392
$100,000 to $124,999 453 17.0% $458
$125,000 to $149,999 301 11.0% $571
$150,000 to $174,999 361 14.0% $678
$175,000 to $199,999 251 9.0% $779
$200,000 to $249,999 269 10.0% $940
$250,000 to $299,999 176 6.0% $1148
$300,000 to $399,999 87 3.0% $1463

Top Home Insurance Agents Near Big Flats, NY

Home Insurance Company Near Big Flats, NY Homeowners Insurance Agency Near Big Flats, NY Address
NA Mitchell-Joseph Insurance Agency 10 S. Main St, Rushville, NY, 14544
Nationwide Bryan R Smith 382 Reuters Blvd, Towanda, PA, 18848-8225
Erie Hussar Insurance Agency Inc. 178 Oakdale Road, Johnson City, NY, 13790
Nationwide Joseph F Amorosi Sr 372 Broad St., Waverly, NY, 14892
State Farm Ken Leone 610B East Main Street, Westfield, PA, 16950

Cost Of Homeowners Insurance By Street Near Big Flats, NY

Streets in Big Flats Area Homeowners Insurance Cost
Easy St, Stonybrook Rd E, Hunt Center, Elon Pl, River St, Churchill St, Alley Kahn Dr, Bell Ln, Sunset Cir, Co Rd 75$594
Orchard Dr, Co Rd 35, Upson Rd, Harris Hill Rd, Soaring Ridge Way, Crest Dr, Chestnut St, Easterbrook Dr W, Flint Rd, Swamp School Rd$594
Deo St, Fawn Ln, Eacher Hollow Rd, Coleman Ave, Hendy Hollow Rd, Co Rd 74, Stillwater Dr, Bohemia Ln, Woodsview Dr, E Mall Rd$593
Arnot Rd, Palisades Blvd, Maple Rd, Suburban Dr, Co Rd 64, Algonquin Dr, Hickory Chase Ln, Woodside Dr, Co Rd 10, Whitney Pl$595
Park Ter, Pyrex Pl, Retirement Dr, Co Rd 63, Aviation Dr, Stonybrook Rd, Saint Gertrude Rd, Harvest Way, Geiger Way, Heritage Rd$595

Big Flats, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Big Flats$88 to $91
Elmira Heights$87
West Elmira$89
Horseheads$88

Big Flats, 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
Elmira Heights village, New York $73 $97 $145
West Elmira CDP, New York $74 $99 $148
Elmira city, New York $73 $97 $145

Big Flats, 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
Big Flats, NY3.5%9.8%
Elmira Heights5.48%11.75%
West Elmira3.75%9.8%
Elmira5.19%11.37%

Big Flats Renters Insurance as a Percentage of Rent

Big Flats Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 13 2.0% $796
$300 to $499 34 6.0% $1246
$500 to $749 45 8.0% $1921
$750 to $999 162 31.0% $2671
$1,000 to $1,499 240 47.0% $3796
$1,500 or more 16 3.0% $5446

Big Flats, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Big Flats Homeowner Insurance Premium Example $1,800$1,400
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,600$14,400
Net Savings to Big Flats Home Owner from High Deductible Plan $1,200

Big Flats, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Big Flats, NY Home Replacement Value MORE than Home Value Big Flats, NY Home Replacement Value LESS than Home Value
Replacement Value $163,500 $128,000
Insurance Premium based on Replacement Value $1,825 $1,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,000 Risk Exposure from Under Insuring Coverage is $21,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $150/year

Example Big Flats Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 104172140
Year Built 194920102007
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$300000-$350000$175000-$200000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1964 145,000 Composition Roof 1,790 4 $500 Deductible 610 6 Stucco siding yes
1989 170,000 Tile Roof 1,950 3 $1000-$2500 Deductible 380 4 Brick siding No
2006 180,000 Composition Roof 1,770 5 $2500-$5000 Deductible 340 3 Fiber-Cement Siding yes
1962 140,000 Tile Roof 1,850 3 $500- $1000 Deductible 240 2 Brick siding yes
1974 145,000 Asphalt Shingles Roof 1,570 5 $2500-$5000 Deductible 410 4 Stone Siding No
1978 350,000 Asphalt Shingles Roof 3,310 4 $5000 to $10,000 Deductible 1190 7 Stucco siding yes
1943 370,000 Metal Roof 3,540 5 $5000 to $10,000 Deductible 670 3 Brick siding yes
2012 210,000 Asphalt Shingles Roof 2,340 3 $500- $1000 Deductible 1220 9 Brick siding No
1985 195,000 Metal Roof 1,820 4 $1000-$2500 Deductible 560 4 Stucco siding No
2007 255,000 Metal Roof 2,900 5 $2500-$5000 Deductible 1570 10 Stucco siding No
1960 180,000 Tile Roof 1,990 5 $5000 to $10,000 Deductible 1130 12 Stucco siding No
2000 120,000 Tile Roof 1,220 3 $2500-$5000 Deductible 560 10 Brick siding yes
1978 170,000 Shingles Roof 1,650 3 $1000-$2500 Deductible 1670 12 Stone Siding No
1962 220,000 Composition Roof 2,750 5 $1000-$2500 Deductible 790 5 Stone Siding No
2006 340,000 Composition Roof 3,510 5 $500- $1000 Deductible 920 3 Wood siding yes
1940 130,000 Shingles Roof 1,520 3 $500 Deductible 960 9 Brick siding No
1949 225,000 Membrane Roof 2,810 4 $500 Deductible 610 4 Wood siding yes
1974 160,000 Membrane Roof 2,050 5 $5000 to $10,000 Deductible 240 2 Stone Siding No
2006 155,000 Slate Shingles Roof 2,060 4 $2500-$5000 Deductible 430 4 Vinyl siding yes
1942 265,000 Tile Roof 3,260 5 > $10,000 Deductible 120 1 Stone Siding yes
1970 310,000 Slate Shingles Roof 3,030 4 $500- $1000 Deductible 530 2 Wood siding yes
2013 420,000 Composition Roof 4,220 5 $500 Deductible 2780 7 Brick siding yes
1988 285,000 Tile Roof 2,950 4 $2500-$5000 Deductible 2360 12 Fiber-Cement Siding yes
2006 125,000 Slate Shingles Roof 1,420 3 $500 Deductible 510 4 Brick siding No
1976 135,000 Shingles Roof 1,630 4 $2500-$5000 Deductible 60 1 Stucco siding No
1988 205,000 Tile Roof 2,310 5 > $10,000 Deductible 760 9 Brick siding No
2014 205,000 Metal Roof 2,210 4 $2500-$5000 Deductible 1000 8 Stone Siding No
2009 375,000 Metal Roof 4,500 5 $500- $1000 Deductible 2660 9 Stone Siding yes
2013 215,000 Slate Shingles Roof 2,490 5 $500- $1000 Deductible 150 1 Brick siding No
2011 170,000 Wood Shake Roof 2,150 5 $500- $1000 Deductible 1160 9 Wood siding No
1964 155,000 Asphalt Shingles Roof 1,720 3 $500- $1000 Deductible 1370 12 Wood siding yes
1981 190,000 Slate Shingles Roof 2,130 4 $500- $1000 Deductible 1080 8 Wood siding No