Gates Insurance Rates:

Gates, NY homeowners insurance is nearly $501 to $678, about $41-$56/month. Our complete research indicates shoppers can save upto $236 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I live in a fairly safe neighborhood but still i like to have piece of mind knowing that i am covered if the worst should happen.
State Farm
Comparing to other company the prices are a little on the pricey side. they can come down on the prices.
American National Property And Casualty Company
Unfortunately, we had to file a claim on our homeowner's policy several years ago. the claims process was quick and easy and an adjuster was sent to our house on the weekend. the payment of the claim was fast, so we were not out of pocket on any of our expenses that we incurred. they turned a bad experience into a positive one, just by being so understanding during our stressful time.
Usaa
They would usually just send me a bill which I like as this way I am able to put it on my bulletin board as a reminder. Their bills are easy to understand which I like a lot. There is nothing that I would dislike.
Liberty Mutual
Liberty Mutual is very responsive with regards to customer service. All of my questions have been answered in a very timely manner.
Aaa
How picky they are to watch is worth a claim. I feel like an insurance company does this to clients. You pay all that money and when you really need them you don't get the help you need.
Usaa
Since my agent is one of my friends, I am able to call or text her day or night and she will respond. I have never had any issues getting a hold of my agent!

Gates, NY Homeowners Insurance By Home Value

Gates, NY Home Value Total Homes % of Total Average Gates, NY Homeowners Insurance
Less than $50,000 201 2.0% $129
$60,000 to $69,999 134 1.0% $342
$70,000 to $79,999 399 4.0% $395
$80,000 to $89,999 667 7.0% $448
$90,000 to $99,999 1,334 15.0% $495
$100,000 to $124,999 3,564 40.0% $578
$125,000 to $149,999 1,509 17.0% $719
$150,000 to $174,999 530 6.0% $855
$175,000 to $199,999 160 1.0% $985
$200,000 to $249,999 205 2.0% $1185

Top Home Insurance Agents Near Gates, NY

Home Insurance Company Near Gates, NY Homeowners Insurance Agency Near Gates, NY Address
NA Goins Insurance Agency 1341 Dewey Ave, Rochester, NY, 14613
Travelers Anderson-Vahnorne Associates Inc 110 PROFESSIONAL PARK, CLIFTON SPRINGS, NY, 14432
Travelers Potter Harris & Scherrer Agency 8810 MAIN STREET, WILLIAMSVILLE, NY, 14221
Liberty Mutual Independent The Landon Agency 15 PARK PL, AVON, NY, 14414
Allstate Tompkins Ins Agy Inc 13360 Broadway St, Alden, NY, 14004

Cost Of Homeowners Insurance By Street Near Gates, NY

Streets in Gates Area Homeowners Insurance Cost
Regina Dr, Baier Dr, Glenville Dr, Beechcraft Dr, Innovation Way, Charisma Dr, Fox Run, Rossmore St, Nova Ln, Rahway Rd$584
Lightwood Ln, Crystal Ct, Elvira St, Marway Cir, Green Acre Ln, Brooks Ave Exd, Westhaven Dr, Co Rd 156, Brooklea Dr, Mile Crossing Blvd$588
Co Rd 164, Co Rd 237, Mareeta Rd, Morncrest Dr, Floralton Dr, Wallace Way, Bambi Ln, Tangerine Way, Ramsgate Dr, Calhoun Ave$588
Overbrook Rd, Hanger Dr, Fisher Rd, Firestone Dr, Crystal Commons Dr, Silkwood Cir, Marc-Mar Trl, Sands Rd, Donna Marie Cir, Rochester Technology Park$591
Hedge St, Marway Dr, Elmford Rd, Walbert Dr, Poplar Garden Ln, Fox Ct, Emilia Dr, Wedgewood Dr, Valley Creek Rd, Deep Rock Rd$588

Gates, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gates$88 to $90
North Gates$88
Chili$89
Rochester$87

Gates, 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
North Gates CDP, New York $74 $98 $147
Chili town, Monroe County, New York $74 $99 $148
Rochester city, New York $73 $97 $145

Gates, 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
Gates, NY3.9%9.6%
North Gates4.02%10.79%
Chili3.58%8.75%
Rochester4.67%10.3%

Gates Renters Insurance as a Percentage of Rent

Gates Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 124 4.0% $798
$300 to $499 170 6.0% $1248
$500 to $749 1,060 38.0% $1923
$750 to $999 874 31.0% $2673
$1,000 to $1,499 445 16.0% $3798
$1,500 or more 72 2.0% $5448

Gates, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Gates Homeowner Insurance Premium Example $1,800$1,200
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,800$12,600
Net Savings to Gates Home Owner from High Deductible Plan $1,200

Gates, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gates, NY Home Replacement Value MORE than Home Value Gates, NY Home Replacement Value LESS than Home Value
Replacement Value $128,000 $97,000
Insurance Premium based on Replacement Value $1,125 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,500 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Gates Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 1197858
Year Built 200019691996
Home Details 4 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$100000-$125000$75000-$100000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 105,000 Asphalt Shingles Roof 1,290 3 $1000-$2500 Deductible 670 8 Brick siding yes
1962 150,000 Shingles Roof 1,880 3 $1000-$2500 Deductible 790 8 Brick siding No
1999 105,000 Composition Roof 1,660 2 $500 Deductible 820 9 Stucco siding No
1991 135,000 Metal Roof 1,620 3 $500 Deductible 220 2 Stone Siding yes
1965 195,000 Composition Roof 2,590 4 $500- $1000 Deductible 380 3 Fiber-Cement Siding No
1963 180,000 Composition Roof 2,260 4 $500 Deductible 970 7 Fiber-Cement Siding yes
2002 100,000 Metal Roof 1,480 3 $2500-$5000 Deductible 50 1 Vinyl siding yes
1981 170,000 Slate Shingles Roof 2,340 3 $1000-$2500 Deductible 1390 10 Stone Siding yes
1972 175,000 Wood Shake Roof 2,080 4 $5000 to $10,000 Deductible 600 7 Wood siding No
2001 140,000 Shingles Roof 2,240 4 $1000-$2500 Deductible 470 5 Stucco siding yes
1977 340,000 Shingles Roof 4,740 5 $1000-$2500 Deductible 1830 8 Stone Siding No
1998 135,000 Asphalt Shingles Roof 2,200 4 $2500-$5000 Deductible 750 7 Brick siding No
1971 115,000 Tile Roof 1,260 2 $500 Deductible 920 9 Wood siding No
1992 240,000 Slate Shingles Roof 2,820 5 $500 Deductible 500 3 Brick siding yes
1963 150,000 Metal Roof 2,190 5 $1000-$2500 Deductible 580 6 Stucco siding No
1977 120,000 Shingles Roof 1,450 2 $500 Deductible 610 7 Vinyl siding No
1971 205,000 Composition Roof 3,230 4 $5000 to $10,000 Deductible 880 8 Wood siding No
1965 115,000 Slate Shingles Roof 1,710 5 $1000-$2500 Deductible 420 9 Brick siding yes
1982 180,000 Wood Shake Roof 2,290 3 $1000-$2500 Deductible 990 10 Wood siding yes
1998 85,000 Slate Shingles Roof 1,110 2 $500 Deductible 240 3 Brick siding yes
1976 215,000 Asphalt Shingles Roof 3,130 5 > $10,000 Deductible 390 4 Brick siding yes
1962 180,000 Metal Roof 2,050 3 $500- $1000 Deductible 330 2 Vinyl siding No
1991 210,000 Slate Shingles Roof 2,490 5 $5000 to $10,000 Deductible 1070 12 Stucco siding No
1993 265,000 Wood Shake Roof 3,630 5 $500 Deductible 670 3 Fiber-Cement Siding yes