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Buffalo, NY Home Values & Insurance Rates

Buffalo, NY Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 15,107 33.0% $214
$50,000 to $59,999 5,231 11.0% $452
$60,000 to $69,999 5,002 11.0% $562
$70,000 to $79,999 2,809 6.0% $649
$80,000 to $89,999 3,098 6.0% $736
$90,000 to $99,999 1,923 4.0% $823
$100,000 to $124,999 3,201 7.0% $951
$125,000 to $149,999 2,443 5.0% $1194
$150,000 to $174,999 1,780 3.0% $1409
$175,000 to $199,999 923 2.0% $1629
$200,000 to $249,999 1,561 3.0% $1960
$250,000 to $299,999 1,111 2.0% $2395
$300,000 to $399,999 1,195 2.0% $3039

Top Home Insurance Agents Near Buffalo, NY

Home Insurance Company Near Buffalo, NY Homeowners Insurance Agency Near Buffalo, NY Address
NA The Evans Agency 8411 Main St , Clarence, NY, 14221
Travelers Brown & Brown Of New York Inc 200 John James Audubon Pkwy Ste 102, AMHERST, NY, 14228
Allstate Dion Andrzejewski 301 Meadow Dr Ste 80, North Tonawanda, NY, 14120
Allstate Sherry White 150 Lawrence Bell Dr, Amherst, NY, 14221
Liberty Mutual Independent The Vanner Group Inc 11 PINCHOT CT STE 100, AMHERST, NY, 14228

Buffalo, NY 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
Buffalo, NY4.8%12.0%
Sloan5.13%12.66%
Kenmore3.97%9.23%
Lackawanna5.12%10.99%

Buffalo Renters Insurance as a Percentage of Rent

Buffalo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,499 2.0% $353
$200 to $299 3,264 5.0% $803
$300 to $499 8,716 13.0% $1253
$500 to $749 26,547 42.0% $1928
$750 to $999 15,364 24.0% $2678
$1,000 to $1,499 6,796 10.0% $3803
$1,500 or more 843 1.0% $5453

Buffalo, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
14220 $80,500 $590
14204 $67,300 $580
14206 $63,800 $580
14215 $58,400 $580
14210 $58,000 $580
14212 $56,700 $580
14213 $56,300 $580
14207 $53,700 $580
14208 $48,800 $580
14211 $38,300 $580
14202 $321,600 $640
14222 $230,500 $620
14209 $161,000 $600
14216 $121,000 $590
14201 $119,500 $590
14214 $114,600 $590
14223 $113,000 $590

Buffalo, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Buffalo Homeowner Insurance Premium Example $2,200$1,600
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,600$16,800
Net Savings to Buffalo Home Owner from High Deductible Plan $1,800

Buffalo, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Buffalo, NY Home Replacement Value MORE than Home Value Buffalo, NY Home Replacement Value LESS than Home Value
Replacement Value $79,000 $56,000
Insurance Premium based on Replacement Value $725 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Buffalo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAllstateFarmers Insurance
Monthly Premium 847041
Year Built 195519691942
Home Details 4 Beds, 1 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$75000-$100000$50000-$75000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500- $1000 Deductible

Buffalo, NY Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Sloan village, New York $87 $116 $174
Kenmore village, New York $88 $117 $176
Lackawanna city, New York $87 $116 $174

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1962 65,000 Asphalt Shingles Roof 1,180 2 $500- $1000 Deductible 520 10 Stucco siding yes
1961 95,000 Slate Shingles Roof 1,750 2 $500- $1000 Deductible 590 10 Fiber-Cement Siding No
1952 240,000 Asphalt Shingles Roof 4,300 5 $1000-$2500 Deductible 1810 12 Stone Siding yes
1962 85,000 Membrane Roof 1,380 2 $500- $1000 Deductible 140 2 Brick siding yes
1942 65,000 Metal Roof 1,260 3 $1000-$2500 Deductible 470 10 Stucco siding No
1945 180,000 Shingles Roof 3,090 4 $1000-$2500 Deductible 1330 10 Brick siding yes
1955 95,000 Asphalt Shingles Roof 1,540 2 $500 Deductible 80 1 Brick siding No
1951 110,000 Slate Shingles Roof 1,312 3 $500 Deductible 900 10 Stone Siding No