Fulton Insurance Rates:

Fulton, NY homeowners insurance is roughly $494 to $670, about $41-$55/month. Our in depth research reveals consumers can save as much as $232 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Fulton, NY Homeowners Insurance By Home Value

Fulton, NY Home Value Total Homes % of Total Average Fulton, NY Homeowners Insurance
Less than $50,000 341 13.0% $192
$50,000 to $59,999 227 9.0% $407
$60,000 to $69,999 496 19.0% $506
$70,000 to $79,999 425 16.0% $582
$80,000 to $89,999 358 14.0% $657
$90,000 to $99,999 168 6.0% $739
$100,000 to $124,999 231 9.0% $855
$125,000 to $149,999 131 5.0% $1070
$150,000 to $174,999 82 3.0% $1262

Top Home Insurance Agents Near Fulton, NY

Home Insurance Company Near Fulton, NY Homeowners Insurance Agency Near Fulton, NY Address
Liberty Mutual Independent James S Sullivan Agy Inc 1983 RIDGE RD, ONTARIO, NY, 14519
State Farm Jim Lemessurier 4922 W Seneca Tpke, Syracuse, NY, 13215-2225
Travelers Richard E Jenkins Agency Inc 2944 EAST MAIN ST, PARISH, NY, 13131
Travelers The Becker-Mclean Company 16 VIRGINIA ST, WATERLOO, NY, 13165
Travelers Wells Insurance 644 E Main, Palmyra, NY, 14522

Fulton, 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
Granby town, Oswego County, New York $87 $116 $174
Volney town, Oswego County, New York $88 $117 $176
Schroeppel town, Oswego County, New York $88 $117 $176

Fulton, 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
Fulton, NY4.5%10.2%
Granby4.38%11.54%
Volney4.27%9.81%
Schroeppel3.68%9.55%

Fulton Renters Insurance as a Percentage of Rent

Fulton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 50 2.0% $352
$200 to $299 119 5.0% $802
$300 to $499 276 13.0% $1252
$500 to $749 935 45.0% $1927
$750 to $999 513 25.0% $2677
$1,000 to $1,499 146 7.0% $3802

Fulton, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Fulton Homeowner Insurance Premium Example $4,500$4,100
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $32,300$31,500
Net Savings to Fulton Home Owner from High Deductible Plan $800

Fulton, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fulton, NY Home Replacement Value MORE than Home Value Fulton, NY Home Replacement Value LESS than Home Value
Replacement Value $93,000 $65,500
Insurance Premium based on Replacement Value $1,050 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $9,500 Risk Exposure from Under Insuring Coverage is $18,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $100/year

Example Fulton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceErie Insurance
Monthly Premium 785287
Year Built 198719581944
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$50000-$75000$100000-$125000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 230,000 Asphalt Shingles Roof 4,750 5 > $10,000 Deductible 280 3 Wood siding No
1985 210,000 Slate Shingles Roof 3,250 4 $500- $1000 Deductible 1300 7 Brick siding yes
1950 115,000 Asphalt Shingles Roof 1,690 3 $2500-$5000 Deductible 700 12 Stucco siding yes
1956 165,000 Metal Roof 2,520 4 $5000 to $10,000 Deductible 920 12 Brick siding No
1969 150,000 Tile Roof 3,160 4 $500 Deductible 600 5 Stucco siding yes
1943 65,000 Shingles Roof 1,320 3 $1000-$2500 Deductible 310 7 Vinyl siding yes
1958 90,000 Wood Shake Roof 1,680 2 $500 Deductible 410 7 Vinyl siding No
1953 75,000 Metal Roof 1,600 3 $500 Deductible 150 3 Stone Siding yes
1944 175,000 Slate Shingles Roof 3,470 5 $500- $1000 Deductible 850 9 Brick siding yes
1969 95,000 Shingles Roof 1,860 4 $1000-$2500 Deductible 150 2 Brick siding No
1942 85,000 Composition Roof 1,620 5 $1000-$2500 Deductible 370 6 Stucco siding yes
1944 115,000 Composition Roof 1,680 2 $500 Deductible 540 5 Fiber-Cement Siding yes
1950 175,000 Metal Roof 3,230 4 $5000 to $10,000 Deductible 340 3 Stucco siding yes
1950 225,000 Slate Shingles Roof 3,230 4 $5000 to $10,000 Deductible 740 5 Vinyl siding yes
1980 225,000 Wood Shake Roof 3,160 4 $500 Deductible 800 6 Stone Siding No
1949 90,000 Composition Roof 1,460 2 $1000-$2500 Deductible 150 2 Wood siding No
1954 80,000 Wood Shake Roof 1,580 3 $1000-$2500 Deductible 440 9 Wood siding yes
1941 215,000 Slate Shingles Roof 3,730 5 > $10,000 Deductible 90 1 Fiber-Cement Siding yes
1950 85,000 Tile Roof 1,260 2 $500- $1000 Deductible 300 5 Fiber-Cement Siding yes
1951 65,000 Membrane Roof 1,250 3 $500- $1000 Deductible 50 1 Stone Siding yes
1946 115,000 Slate Shingles Roof 1,720 3 $2500-$5000 Deductible 370 5 Wood siding yes
1947 60,000 Shingles Roof 1,030 2 $2500-$5000 Deductible 90 2 Stucco siding yes
1984 160,000 Metal Roof 2,280 3 $1000-$2500 Deductible 590 6 Brick siding No
1955 110,000 Membrane Roof 2,050 3 $1000-$2500 Deductible 840 8 Vinyl siding No
1947 185,000 Composition Roof 3,020 4 $5000 to $10,000 Deductible 250 3 Vinyl siding No
1985 250,000 Wood Shake Roof 4,250 5 > $10,000 Deductible 270 2 Fiber-Cement Siding No
1962 85,000 Metal Roof 1,210 3 $500 Deductible 260 4 Vinyl siding yes
1967 65,000 Slate Shingles Roof 1,340 2 $1000-$2500 Deductible 220 5 Wood siding yes
1940 115,000 Metal Roof 1,610 4 $1000-$2500 Deductible 1100 12 Vinyl siding No
1962 90,000 Slate Shingles Roof 1,870 4 $1000-$2500 Deductible 630 8 Vinyl siding No
1968 190,000 Wood Shake Roof 3,000 4 $1000-$2500 Deductible 1100 7 Wood siding yes
1961 225,000 Composition Roof 3,620 5 $5000 to $10,000 Deductible 1530 10 Vinyl siding No