Elmira Insurance Rates:

Elmira, NY homeowners insurance is approximately $493 to $668, about $41-$55/month. Our exhaustive research indicates shoppers can save as much as $232 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Geico
Send out email reminders and if you want to you can sign up for paperless billing. autopay is offered to.
State Farm
Company have a list of good insurance coverage. the only thing is the pricing of these plans need to decrease.
Geico
They have excellent customer service and are available 24/7 both on the phone and via email. this makes things much easier.
State Farm
They always answer my emails. If they are closed you can call the corporate office and someone always answers. I can call the local office and speak to someone familiar.
Usaa
We get a lot of discounts from USAA for various reasons and believe that our premiums are fairly comparable to other companies. There are other companies that may be slightly cheaper, but the customer service at USAA is worth the slight difference.
Usaa
I mobile website is easy to use and navigate to your desired location. There is quick login with your finger and you can manage all your accounts from one location.
Usaa
I like the fact that if I do not understand the info on the website, I can actually call the company. I also like the fact that there is a password recovery system. The site is pretty easy to navigate.
Usaa
I like the fact that the company was set up to serve not only members of the military, but members of their family. They really gear their service towards the military, providing superior customer service to and for them.

Elmira, NY Homeowners Insurance By Home Value

Elmira, NY Home Value Total Homes % of Total Average Elmira, NY Homeowners Insurance
Less than $50,000 1,215 23.0% $214
$50,000 to $59,999 756 14.0% $458
$60,000 to $69,999 973 18.0% $562
$70,000 to $79,999 612 11.0% $649
$80,000 to $89,999 493 9.0% $742
$90,000 to $99,999 332 6.0% $829
$100,000 to $124,999 353 6.0% $957
$125,000 to $149,999 84 1.0% $1200
$150,000 to $174,999 82 1.0% $1415
$250,000 to $299,999 79 1.0% $2401
$300,000 to $399,999 82 1.0% $3056

Top Home Insurance Agents Near Elmira, NY

Home Insurance Company Near Elmira, NY Homeowners Insurance Agency Near Elmira, NY Address
NA Phelps Britton Agency Associates 2 W State St, Binghamton, NY, 13902
State Farm David Mooney 1111 Triphammer Rd, Ithaca, NY, 14850-2512
Allstate Frost-Klossner-Swan 2640 Ny Rte26 PO Box 297, Maine, NY, 13802
Nationwide James R. Macuch 2507 E Main St, Endwell, NY, 13760-5813
Farmers Terianne Teri Rogers-Snyder 217 Vestal Pkwy E, Vestal, NY, 13850

Elmira, 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
West Elmira CDP, New York $74 $99 $148
Elmira Heights village, New York $73 $97 $145
Southport town, Chemung County, New York $73 $97 $145

Elmira, 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
Elmira, NY5.2%11.4%
West Elmira3.75%9.8%
Elmira Heights5.48%11.75%
Southport5.0%12.27%

Elmira Renters Insurance as a Percentage of Rent

Elmira Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 165 3.0% $353
$200 to $299 395 7.0% $803
$300 to $499 984 17.0% $1253
$500 to $749 2,377 43.0% $1928
$750 to $999 1,079 19.0% $2678
$1,000 to $1,499 404 7.0% $3803
$1,500 or more 85 1.0% $5453

Elmira, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$3,800
Yearly Elmira Homeowner Insurance Premium Example $1,400$1,000
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,600$10,800
Net Savings to Elmira Home Owner from High Deductible Plan $800

Elmira, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elmira, NY Home Replacement Value MORE than Home Value Elmira, NY Home Replacement Value LESS than Home Value
Replacement Value $73,500 $42,000
Insurance Premium based on Replacement Value $725 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $16,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $175/year

Example Elmira Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceAllstate
Monthly Premium 53104198
Year Built 195319431957
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $50000-$75000$125000-$150000$200000-$250000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1947 100,000 Shingles Roof 2,170 4 $500 Deductible 670 8 Wood siding No
1944 120,000 Metal Roof 1,880 3 $500 Deductible 1100 10 Brick siding yes
1959 120,000 Membrane Roof 1,840 4 $500- $1000 Deductible 210 2 Brick siding No
1946 55,000 Wood Shake Roof 1,020 2 $500- $1000 Deductible 380 8 Vinyl siding yes
1957 145,000 Shingles Roof 2,250 4 $500 Deductible 1000 10 Fiber-Cement Siding No
1940 150,000 Asphalt Shingles Roof 3,220 4 $500 Deductible 550 5 Vinyl siding yes
1940 130,000 Metal Roof 2,520 4 $1000-$2500 Deductible 1090 10 Wood siding No
1957 95,000 Composition Roof 1,890 3 $2500-$5000 Deductible 700 12 Stucco siding yes
1956 145,000 Membrane Roof 2,430 5 $1000-$2500 Deductible 1270 10 Wood siding yes
1951 80,000 Composition Roof 1,400 2 $2500-$5000 Deductible 570 9 Wood siding No
1951 95,000 Metal Roof 1,960 4 $2500-$5000 Deductible 140 2 Stucco siding No
1945 120,000 Asphalt Shingles Roof 2,430 5 $500- $1000 Deductible 690 9 Brick siding yes
1957 115,000 Wood Shake Roof 2,240 3 $500- $1000 Deductible 440 4 Stone Siding yes
1959 80,000 Asphalt Shingles Roof 1,770 4 $1000-$2500 Deductible 220 4 Brick siding No
1946 170,000 Shingles Roof 3,180 5 $500- $1000 Deductible 630 5 Stone Siding yes
1942 115,000 Slate Shingles Roof 2,500 5 $500- $1000 Deductible 880 9 Wood siding yes
1949 70,000 Shingles Roof 1,390 3 $500- $1000 Deductible 230 5 Wood siding No
1957 90,000 Wood Shake Roof 1,700 2 $500 Deductible 290 4 Brick siding No
1946 100,000 Slate Shingles Roof 1,490 2 $1000-$2500 Deductible 420 8 Wood siding No
1959 190,000 Wood Shake Roof 3,610 5 $5000 to $10,000 Deductible 700 7 Stucco siding No
1958 220,000 Slate Shingles Roof 4,790 5 > $10,000 Deductible 790 9 Stucco siding No
1952 85,000 Metal Roof 1,480 2 $500 Deductible 180 3 Wood siding No
1946 325,000 Wood Shake Roof 4,840 5 $5000 to $10,000 Deductible 890 7 Wood siding No