Buffalo Insurance Rates:

Buffalo, NY homeowners insurance is nearly $493 to $668, about $41-$55/month. Our in depth analysis shows customers can save as much as $232 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
My insurance agents are very friendly, and i enjoy working with them a lot. always positive and cheery when i speak with them.
Progressive
The customer service is excellent and they are always available to answer questions when needed. great people, great service. always a pleasure
Homesite Insurance
Homesite's website has a lot of room for improvement. it is difficult for me to log in to make changes to my policy, get a copy of my policy, and make payments (if that were an option for me).
State Farm
My premium is close to the average of all the companies I shop around with except my company is a few dollars cheaper.
State Farm
The rates are higher now. They tend to sell more than what is needed. Their website is a bit outdated and needs modernization. Some information is hard to find and takes a while to navigate.
Ameriprise Financial
When I have called with a question or concern, they have always been very professional and helpful. I have never filed a claim, so I am not sure how they act in that situation, but I would be surprised if I wasn't handled with the same professional demeanor that I have gotten when I had a question.
American National Insurance
The company's service is excellent mainly due to the agent I have here in Missouri. Not so much with the agent in TN.
State Farm
The answer is really answered above. I find them rather knowledgeable about products they offer, so I have come to avoid interactions with them unless absolutely necessary
Aaa
IT IS GOOD AND WORTHY CUSTOMER SERVICE, I APPRECIATE
Nationwide
They are quick to pick up my calls. Quick to look up any information I might need. Detail oriented, most importantly super friendly.
Geico
I like that I have used them for a long time and they are easy to work with. Everything is pretty straightforward and easy in dealing with their system and making payments and using their app.
Union Mutual
I don't like that, on a percentage basis, my premium has substantially increased over the past two years. I feel like I'm probably not getting the most competitive pricing.
Allstate
The option to use the online app, the quick and professional communication as well as friendly service makes the company very easy to work with
Usaa
They made the process so easy. I could pick and choose what I wanted to cover all for one low price. The process was ridiculously easy!
Farmer's Insurance
I have not had to use their services yet but their coverage and premium prices all seem acceptable and fair.
State Farm
I love the company all together they are very well rounded and have great support. I will continue to use their service.
Progressive
I like that the customer service is better than most also that the app is easy to use and easy to decipher.
Farmer's Insurance
I dislike the price of the premium. I believe I can get another company that would charge a similar premium for similar quality.
Progressive
They are a reliable company who has been in the business for years. I like have all of my insurance products through one company is going to multiple different companies.

Buffalo, NY Homeowners Insurance By Home Value

Buffalo, NY Home Value Total Homes % of Total Average Buffalo, NY 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 Auto & Homeowners Insurance Bundling Discounts

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

Buffalo, 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
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 Homeowners 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

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
1942 120,000 Membrane Roof 1,940 4 $2500-$5000 Deductible 960 12 Fiber-Cement Siding yes
1955 65,000 Slate Shingles Roof 1,330 3 $2500-$5000 Deductible 50 1 Stucco siding yes
1964 75,000 Tile Roof 1,540 5 $2500-$5000 Deductible 230 5 Stone Siding No
1948 60,000 Tile Roof 1,290 2 $500- $1000 Deductible 40 1 Vinyl siding No
1955 60,000 Wood Shake Roof 1,250 3 $1000-$2500 Deductible 30 1 Fiber-Cement Siding No
1963 100,000 Metal Roof 1,710 5 $1000-$2500 Deductible 680 10 Wood siding No
1952 245,000 Asphalt Shingles Roof 3,860 5 $1000-$2500 Deductible 840 7 Vinyl siding No
1944 285,000 Metal Roof 4,440 5 > $10,000 Deductible 390 3 Stone Siding yes
1946 95,000 Metal Roof 1,690 4 $2500-$5000 Deductible 610 12 Fiber-Cement Siding yes
1953 100,000 Tile Roof 1,530 3 $500- $1000 Deductible 420 6 Brick siding yes
1968 105,000 Metal Roof 2,260 4 $500- $1000 Deductible 480 5 Stucco siding No
1951 235,000 Slate Shingles Roof 4,310 5 $500- $1000 Deductible 1690 12 Vinyl siding No
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