Cortland Insurance Rates:

Cortland, NY homeowners insurance is nearly $498 to $673, about $41-$56/month. Our exhaustive research reveals consumers can save upto $234 by getting 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 company is a huge organization so sometimes it is a bit more corporate than what i would like.
Allstate
I wish the consumer service on the local level was better. i refuse to purchase a new product because of the consumer service from the local agency. my number one thing is consumer service. i do not care if the price is high if the consumer service great.
Amica Mutual Insurance
Their customer service is top notch and easy to interact with. they are available most of the time with little hold times. they are easy to understand and the interactions have almost always been positive.
Allstate
I have moved to a different state and it was easy to get and adjust my home and auto insurance policies. Once I got the auto pay setup properly it is simply deducted from my checking account twice a year.
State Farm
They always are able to answer any questions that I have in regards to our policy and always call to see whether or not have any changes several times a year.
State Farm
The only thing I really dislike is when I log in to my device and then my wife logs in with hers she get security challenges and vice versa. It doesn't seem to remember devices. Though I would rather them err on the side of caution, it's still annoying.
Usaa
I pretty satisfied. When I was closing on my house, they gave very succinct information and guided me through the process. They even had to change the policy several times but was more than willing to oblige me.

Cortland, NY Homeowners Insurance By Home Value

Cortland, NY Home Value Total Homes % of Total Average Cortland, NY Homeowners Insurance
Less than $50,000 96 3.0% $157
$50,000 to $59,999 68 2.0% $333
$60,000 to $69,999 328 11.0% $415
$70,000 to $79,999 403 13.0% $479
$80,000 to $89,999 546 18.0% $544
$90,000 to $99,999 449 15.0% $608
$100,000 to $124,999 468 15.0% $702
$125,000 to $149,999 198 6.0% $877
$150,000 to $174,999 215 7.0% $1035
$175,000 to $199,999 85 2.0% $1199
$200,000 to $249,999 77 2.0% $1439

Top Home Insurance Agents Near Cortland, NY

Home Insurance Company Near Cortland, NY Homeowners Insurance Agency Near Cortland, NY Address
Travelers Delmonico Insurance Agency 901 LODI ST, SYRACUSE, NY, 13203
State Farm Doug Hill 657 W Genesee Street Rd, Skaneateles, NY, 13152-9363
Travelers E C Cooper Inc 115 E 4TH ST, WATKINS GLEN, NY, 14891
Liberty Mutual Michelle E Dunham 5015 Campuswood Drive Ste 202, East Syracuse, NY, 13057
Allstate William Ins Agency 1850 Trumansburg B49, Jacksonville, NY, 14854

Cost Of Homeowners Insurance By Street Near Cortland, NY

Streets in Cortland Area Homeowners Insurance Cost
Pine St, Yates Pl, Groton Ave, Clinton Ave, Riverview Ave, Maple Ave, Woodland Ave, W Court St, Venette St, Clayton Ave$585
Grange St, Hollenbeck St, Denti Way, Levydale Pl, Prospect Ter, Bartlett St, Scammell St, Frank St, Raymond Ave, Commons Ave$585
Argyle Pl, Parker Ave, Pleasant St, Stevenson St, W Cleveland St, Harmony Cir, Fox Hollow Rd, Crandall St, Rickard St, William St$585
Owego St, Court St, Washington St, Townley Ave, N Main St, Van Hoesen St, Kellogg Rd, Kennedy Pkwy, Holly Ter, Broadway Ave$585
Medes Pl, Atkins Ave, Harrington Ave, Central Ave, Locust Ave, Abdallah Ave, S Main St, 5th Ave, James St, Joy St$587

Cortland, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cortland$87 to $89
Munsons Corners$88
Cortland West$90
Blodgett Mills$87

Cortland, 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
Munsons Corners CDP, New York $74 $98 $147
Cortland West CDP, New York $75 $100 $150
Cortlandville town, Cortland County, New York $74 $99 $148

Cortland, 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
Cortland, NY4.2%9.4%
Munsons Corners3.48%8.1%
Cortland West2.69%7.25%
Cortlandville3.54%7.91%

Cortland Renters Insurance as a Percentage of Rent

Cortland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 63 1.0% $350
$200 to $299 280 8.0% $800
$300 to $499 419 12.0% $1250
$500 to $749 1,698 49.0% $1925
$750 to $999 706 20.0% $2675
$1,000 to $1,499 234 6.0% $3800
$1,500 or more 48 1.0% $5450

Cortland, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Cortland Homeowner Insurance Premium Example $1,800$1,600
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,100$14,500
Net Savings to Cortland Home Owner from High Deductible Plan $600

Cortland, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cortland, NY Home Replacement Value MORE than Home Value Cortland, NY Home Replacement Value LESS than Home Value
Replacement Value $101,500 $65,000
Insurance Premium based on Replacement Value $1,225 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,000 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $300/year

Example Cortland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceErie InsuranceLiberty Mutual
Monthly Premium 20461101
Year Built 196819431945
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$125000-$150000$100000-$125000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1946 255,000 Asphalt Shingles Roof 3,280 4 $1000-$2500 Deductible 1620 8 Stucco siding No
1945 140,000 Metal Roof 2,310 3 $500- $1000 Deductible 830 10 Fiber-Cement Siding yes
1942 95,000 Membrane Roof 1,760 5 $2500-$5000 Deductible 380 6 Brick siding yes
1967 85,000 Metal Roof 1,470 2 $2500-$5000 Deductible 70 1 Stone Siding yes
1969 100,000 Composition Roof 1,710 3 $2500-$5000 Deductible 300 5 Fiber-Cement Siding No
1963 315,000 Composition Roof 4,330 5 $500- $1000 Deductible 600 3 Wood siding yes
1943 210,000 Asphalt Shingles Roof 2,800 5 $5000 to $10,000 Deductible 550 7 Stucco siding yes
1968 120,000 Asphalt Shingles Roof 1,790 3 $500 Deductible 1460 12 Wood siding No
1961 125,000 Membrane Roof 1,630 2 $2500-$5000 Deductible 870 9 Brick siding No
1945 120,000 Composition Roof 1,680 3 $500 Deductible 280 3 Fiber-Cement Siding yes
1942 105,000 Metal Roof 1,350 2 $2500-$5000 Deductible 650 8 Stucco siding yes
1942 135,000 Membrane Roof 2,530 4 $2500-$5000 Deductible 870 10 Wood siding No
1960 200,000 Shingles Roof 3,200 4 $1000-$2500 Deductible 110 1 Vinyl siding No
1967 170,000 Shingles Roof 2,240 3 $1000-$2500 Deductible 570 5 Wood siding No
1969 145,000 Tile Roof 2,300 3 $500- $1000 Deductible 780 8 Vinyl siding No
1949 180,000 Asphalt Shingles Roof 2,350 5 $500- $1000 Deductible 1650 10 Brick siding yes
1942 170,000 Membrane Roof 2,400 4 $2500-$5000 Deductible 540 7 Vinyl siding No
1961 115,000 Shingles Roof 2,150 3 $500 Deductible 740 9 Stone Siding yes
1949 145,000 Membrane Roof 1,920 3 $2500-$5000 Deductible 660 8 Vinyl siding yes
1969 140,000 Metal Roof 2,100 3 $1000-$2500 Deductible 540 6 Wood siding No
1940 140,000 Shingles Roof 1,760 2 $500- $1000 Deductible 110 1 Brick siding yes
1946 85,000 Membrane Roof 1,230 2 $2500-$5000 Deductible 60 1 Stucco siding yes
1944 105,000 Composition Roof 1,770 3 $500 Deductible 320 3 Vinyl siding No
1946 105,000 Asphalt Shingles Roof 1,490 2 $1000-$2500 Deductible 300 4 Brick siding No
1969 120,000 Metal Roof 1,690 2 $500 Deductible 170 2 Stucco siding yes
1966 90,000 Tile Roof 1,290 2 $1000-$2500 Deductible 310 6 Brick siding No
1942 75,000 Composition Roof 1,380 3 $2500-$5000 Deductible 490 10 Stone Siding No
1948 220,000 Composition Roof 4,090 5 $500- $1000 Deductible 1300 7 Brick siding No
1944 145,000 Asphalt Shingles Roof 1,910 4 $500 Deductible 1360 12 Stucco siding No
1948 95,000 Slate Shingles Roof 1,640 2 $500 Deductible 80 1 Stone Siding No
1967 85,000 Asphalt Shingles Roof 1,240 3 $1000-$2500 Deductible 600 8 Brick siding No
1943 80,000 Shingles Roof 1,180 2 $500 Deductible 50 1 Wood siding No
1949 90,000 Asphalt Shingles Roof 1,330 3 $500- $1000 Deductible 260 3 Brick siding No
1947 160,000 Shingles Roof 2,570 5 $2500-$5000 Deductible 1320 12 Wood siding yes