Boston Insurance Rates:

Boston, NY homeowners insurance is nearly $509 to $691, about $42-$57/month. Our extensive research reveals consumers can save as much as $240 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Boston, NY Homeowners Insurance By Home Value

Boston, NY Home Value Total Homes % of Total Average Boston, NY Homeowners Insurance
Less than $50,000 167 6.0% $90
$60,000 to $69,999 49 1.0% $234
$70,000 to $79,999 54 2.0% $270
$80,000 to $89,999 65 2.0% $312
$90,000 to $99,999 146 5.0% $348
$100,000 to $124,999 345 13.0% $402
$125,000 to $149,999 328 12.0% $504
$150,000 to $174,999 353 13.0% $594
$175,000 to $199,999 162 6.0% $684
$200,000 to $249,999 391 15.0% $828
$250,000 to $299,999 304 12.0% $1008
$300,000 to $399,999 169 6.0% $1284

Top Home Insurance Agents Near Boston, NY

Home Insurance Company Near Boston, NY Homeowners Insurance Agency Near Boston, NY Address
NA George Mandiak Insurance Agency 5150 Oakridge Drive , Hamburg, NY, 14075
Travelers Dennis R Booth 1045 PAYNE AVE, NORTH TONAWANDA, NY, 14120
State Farm Dick Robinson Sr 310 Orchard Park Rd, West Seneca, NY, 14224-2635
Travelers Tabor Witkin & Associates Inc 8340 Main St Rear B Williamsville, Buffalo, NY, 14221
Nationwide The Getzoni Agency Inc 955 Maryvale Dr, Cheektowaga, NY, 14225

Boston, 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
North Boston CDP, New York $75 $99 $149
Colden town, Erie County, New York $76 $101 $151
Eden town, Erie County, New York $75 $99 $149

Boston, 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
Boston, NY3.3%10.1%
North Boston3.7%10.28%
Colden3.06%9.95%
Eden3.45%8.7%

Boston Renters Insurance as a Percentage of Rent

Boston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 16 3.0% $1244
$500 to $749 288 61.0% $1919
$750 to $999 143 30.0% $2669
$1,000 to $1,499 20 4.0% $3794

Boston, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Boston Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $10,200$8,700
Net Savings to Boston Home Owner from High Deductible Plan $1,500

Boston, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Boston, NY Home Replacement Value MORE than Home Value Boston, NY Home Replacement Value LESS than Home Value
Replacement Value $200,000 $136,500
Insurance Premium based on Replacement Value $1,750 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,500 Risk Exposure from Under Insuring Coverage is $18,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $400/year

Example Boston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceLiberty Mutual
Monthly Premium 128184215
Year Built 196219791948
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$300000-$350000$400000-$500000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 260,000 Asphalt Shingles Roof 3,220 5 $2500-$5000 Deductible 580 4 Stone Siding No
1970 335,000 Tile Roof 2,930 4 $2500-$5000 Deductible 400 2 Brick siding yes
1942 250,000 Wood Shake Roof 2,430 4 $5000 to $10,000 Deductible 1340 8 Stucco siding No
2000 165,000 Membrane Roof 1,470 3 $500- $1000 Deductible 350 3 Stucco siding No
1988 320,000 Composition Roof 3,240 5 $2500-$5000 Deductible 990 6 Stucco siding yes
1963 150,000 Asphalt Shingles Roof 1,820 4 $500 Deductible 120 1 Wood siding yes
1995 160,000 Tile Roof 1,440 3 $2500-$5000 Deductible 90 1 Vinyl siding No
1963 135,000 Tile Roof 1,640 3 $500- $1000 Deductible 1060 7 Brick siding No
1972 335,000 Membrane Roof 3,070 4 $1000-$2500 Deductible 1800 8 Fiber-Cement Siding yes
1984 200,000 Wood Shake Roof 1,860 3 $500- $1000 Deductible 470 3 Brick siding yes
1962 435,000 Slate Shingles Roof 4,880 5 $5000 to $10,000 Deductible 200 1 Vinyl siding yes
1946 335,000 Wood Shake Roof 3,080 4 > $10,000 Deductible 830 6 Brick siding yes
1967 145,000 Wood Shake Roof 1,580 5 $500 Deductible 150 2 Vinyl siding No
1983 205,000 Membrane Roof 2,520 5 $500- $1000 Deductible 1000 7 Stucco siding yes
1974 115,000 Composition Roof 1,280 3 $500 Deductible 590 5 Vinyl siding No
1963 120,000 Shingles Roof 1,260 3 $500 Deductible 90 1 Stucco siding No
2001 445,000 Slate Shingles Roof 4,230 5 $5000 to $10,000 Deductible 1650 7 Stucco siding yes
2003 185,000 Membrane Roof 1,910 3 $1000-$2500 Deductible 1320 7 Fiber-Cement Siding No
1982 235,000 Membrane Roof 2,730 5 > $10,000 Deductible 1020 12 Vinyl siding No
1997 245,000 Composition Roof 2,160 3 > $10,000 Deductible 110 1 Stucco siding yes
1993 295,000 Wood Shake Roof 3,090 5 $1000-$2500 Deductible 200 1 Fiber-Cement Siding No
1993 190,000 Metal Roof 1,930 4 $500 Deductible 120 1 Stone Siding No
2004 145,000 Asphalt Shingles Roof 1,440 3 $500 Deductible 860 10 Fiber-Cement Siding yes
1998 220,000 Metal Roof 2,260 4 > $10,000 Deductible 1460 12 Wood siding yes
2003 385,000 Wood Shake Roof 4,860 5 $2500-$5000 Deductible 380 2 Stucco siding No
1945 225,000 Shingles Roof 2,210 3 $500- $1000 Deductible 610 3 Brick siding yes
1987 140,000 Composition Roof 1,600 3 $500 Deductible 310 3 Stone Siding No
2008 215,000 Wood Shake Roof 2,720 5 $1000-$2500 Deductible 1040 7 Wood siding yes
2001 160,000 Membrane Roof 1,960 4 $500- $1000 Deductible 240 2 Fiber-Cement Siding No
1962 155,000 Asphalt Shingles Roof 1,370 3 $1000-$2500 Deductible 310 4 Brick siding yes
1996 230,000 Composition Roof 2,970 4 $1000-$2500 Deductible 680 4 Stone Siding No
1970 180,000 Shingles Roof 2,180 3 $500- $1000 Deductible 480 4 Wood siding No
1972 260,000 Metal Roof 2,520 4 $500- $1000 Deductible 750 3 Stucco siding yes
1945 330,000 Asphalt Shingles Roof 3,020 4 $1000-$2500 Deductible 2140 9 Fiber-Cement Siding No