Clarence Insurance Rates:

Clarence, NY homeowners insurance is approximately $520 to $707, about $43-$58/month. Our comprehensive guide shows customers can save upto $245 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I have great coverage and i don't care about anyones opinion i'm a straight up gangster as pimp no matter what
Liberty Mutual
Their customer service is some of the best that i have ever encountered, as they are always willing to help and are very responsive.
Usaa
Long wait times when needing to file a claim. services limited to only military members. not available overseas though it's supposed to cater to the military community. deductible is high
Homesite Insurance
They charge me too much, and I never hear from them. The real test will come if I ever have to file a claim.
State Farm
The local agent has great customer service, however; the national company is awful. You have to call a call center and you get calls back from different individuals. One individual does not handle the claim from start to finish and they do not enter information/ read that information when they call you. You have to tell each person that calls you the entire story and all the details because every time they call, they know absolutely nothing about your case.
Usaa
I like USAA as a company, but I have come to realize that their costs are much higher than other companies. That is frustrating to me since they cater to veterans and military members, who should be getting better rates and quality products, but instead, it seems like they are often being duped into higher costs instead.
Allstate
The premium rates charged by this company are a bit high. Other company’s charges rates that are low for home insurance. I dislike this one thing.

Clarence, NY Homeowners Insurance By Home Value

Clarence, NY Home Value Total Homes % of Total Average Clarence, NY Homeowners Insurance
Less than $50,000 373 4.0% $61
$80,000 to $89,999 133 1.0% $221
$90,000 to $99,999 186 2.0% $245
$100,000 to $124,999 362 4.0% $288
$125,000 to $149,999 793 9.0% $356
$150,000 to $174,999 1,079 13.0% $423
$175,000 to $199,999 847 10.0% $491
$200,000 to $249,999 1,261 15.0% $589
$250,000 to $299,999 1,407 17.0% $718
$300,000 to $399,999 1,497 18.0% $914

Top Home Insurance Agents Near Clarence, NY

Home Insurance Company Near Clarence, NY Homeowners Insurance Agency Near Clarence, NY Address
NA Stevens-Van Debogart Inc 1025 Main St Niagara Falls, Niagara Falls, NY, 14301
Travelers Amherst Insurance Agency Inc 5353 Main Street Suite 1, Williamsville, NY, 14221
Allstate Chrzanowski Agency 2746 Eggert Rd, Tonawanda, NY, 14150
Liberty Mutual Jerremy White 3215 Southwestern Blvd. Ste 200, Orchard Park, NY, 14127
Travelers The Cesar Group Inc 354 Cayuga Rd Ste 1, Cheektowaga, NY, 14225

Clarence, 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
Clarence Center CDP, New York $76 $101 $151
Harris Hill CDP, New York $75 $100 $150
Rapids CDP, New York $73 $97 $146

Clarence, 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
Clarence, NY2.8%7.7%
Clarence Center2.82%9.15%
Harris Hill3.28%8.56%
Rapids2.91%9.6%

Clarence Renters Insurance as a Percentage of Rent

Clarence Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 16 1.0% $337
$200 to $299 105 7.0% $787
$300 to $499 126 8.0% $1237
$500 to $749 165 11.0% $1912
$750 to $999 292 20.0% $2662
$1,000 to $1,499 510 35.0% $3787
$1,500 or more 231 15.0% $5437

Clarence, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Clarence Homeowner Insurance Premium Example $1,600$1,400
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,400$12,800
Net Savings to Clarence Home Owner from High Deductible Plan $600

Clarence, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clarence, NY Home Replacement Value MORE than Home Value Clarence, NY Home Replacement Value LESS than Home Value
Replacement Value $196,000 $127,500
Insurance Premium based on Replacement Value $2,250 $1,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,000 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $450/year

Example Clarence Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceLiberty Mutual
Monthly Premium 150188206
Year Built 199119782006
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$250000-$300000$250000-$300000
Deductible $500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 310,000 Asphalt Shingles Roof 2,360 4 $1000-$2500 Deductible 1050 4 Vinyl siding yes
2006 200,000 Shingles Roof 1,440 3 $1000-$2500 Deductible 1650 10 Fiber-Cement Siding yes
2010 175,000 Slate Shingles Roof 1,690 4 $2500-$5000 Deductible 1030 10 Brick siding No
1998 195,000 Tile Roof 1,860 3 $1000-$2500 Deductible 1270 7 Brick siding No
1961 195,000 Slate Shingles Roof 1,830 3 $500 Deductible 1120 9 Vinyl siding yes
2000 250,000 Metal Roof 1,740 3 > $10,000 Deductible 280 3 Stone Siding yes
1964 370,000 Slate Shingles Roof 3,350 4 $2500-$5000 Deductible 1400 5 Vinyl siding No
2010 185,000 Metal Roof 1,670 5 $500- $1000 Deductible 550 3 Vinyl siding No
2014 395,000 Tile Roof 3,100 4 $2500-$5000 Deductible 600 3 Fiber-Cement Siding yes
1968 285,000 Metal Roof 2,260 4 $500 Deductible 380 2 Fiber-Cement Siding yes
1992 215,000 Metal Roof 1,970 3 $500- $1000 Deductible 1130 8 Brick siding yes
1973 235,000 Slate Shingles Roof 2,200 5 $500- $1000 Deductible 1490 8 Vinyl siding yes
1995 255,000 Slate Shingles Roof 1,750 4 $500 Deductible 870 4 Stucco siding No
2010 310,000 Slate Shingles Roof 2,680 5 $500- $1000 Deductible 2320 12 Brick siding No
1992 275,000 Asphalt Shingles Roof 2,220 5 $2500-$5000 Deductible 380 3 Stucco siding yes
1998 460,000 Asphalt Shingles Roof 3,780 5 $1000-$2500 Deductible 3420 8 Vinyl siding No
1968 195,000 Asphalt Shingles Roof 1,320 3 $500 Deductible 730 5 Stone Siding yes
1961 350,000 Membrane Roof 2,830 4 $2500-$5000 Deductible 250 1 Fiber-Cement Siding No
1995 195,000 Composition Roof 1,330 3 $1000-$2500 Deductible 100 1 Fiber-Cement Siding No
1994 560,000 Asphalt Shingles Roof 4,900 5 $1000-$2500 Deductible 330 1 Stone Siding No
2006 305,000 Membrane Roof 2,160 3 > $10,000 Deductible 380 3 Brick siding yes
1963 390,000 Metal Roof 2,910 5 $2500-$5000 Deductible 880 4 Stone Siding yes
1994 175,000 Asphalt Shingles Roof 1,480 3 $1000-$2500 Deductible 1180 9 Fiber-Cement Siding No
2011 405,000 Composition Roof 3,540 5 $5000 to $10,000 Deductible 600 4 Stone Siding No
2001 580,000 Asphalt Shingles Roof 3,840 5 $2500-$5000 Deductible 860 2 Stucco siding yes
2007 230,000 Shingles Roof 1,630 5 $5000 to $10,000 Deductible 440 3 Vinyl siding No
2012 335,000 Metal Roof 3,230 4 > $10,000 Deductible 800 6 Wood siding yes
1994 235,000 Asphalt Shingles Roof 1,950 3 $500 Deductible 760 4 Vinyl siding yes
1974 225,000 Composition Roof 2,030 3 > $10,000 Deductible 100 1 Brick siding No
2010 300,000 Metal Roof 2,360 3 > $10,000 Deductible 320 2 Vinyl siding yes
1963 550,000 Composition Roof 3,910 5 $500 Deductible 470 1 Vinyl siding No