Greece Insurance Rates:

Greece, NY homeowners insurance is about $504 to $681, about $42-$56/month. Our in depth research indicates shoppers can save as much as $236 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Cost of Homeowners Insurance in Greece, NY

Homeowners in Greece, NY pay an average of $1361.88 for home insurance. However, the cost of your policy will vary based on a number of factors including coverage type and deductible amount as well as age of property or materials used to build it.Below is the summary of average home insurance costs available to Greece Homeowners based on the deductible and other variables.

Greece, Home Insurance Cost for different deductibles.

Cost_of_Homeowners_Insurance_in_Greece_NY

Homeowners are given discounts when they opt for higher deductibles which translates into cheaper monthly payments and affordable premiums over time. A high deductible policy is an easy way to benefit more while saving money. Greece homeowners paying a high deductible of $2500 can avail of home insurance for $978.Homeowners receive insurance for $1040 and $1146, respectively, on deductibles $2000 and $1500.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Greece, NY homes can avail lower insurance of $1,008 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have an additional $1397-$1414 per year tacked onto their premiums.

Construction type is an important factor in the cost of homeowners insurance. The more resistant your house to damage, the less expensive homeowners insurance will be for you. For instance, if a person lives in Greece, NY and has fire-resistant construction on their roof they can benefit from average rates at $1198 per year.Insurance companies in Greece offer home insurance for $1294 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $1226 and $1321 respectively.

Apart from all these factors, homeowners can avail cheap home insurance costs from insurance companies based on the security features and senior citizens residing in the households. Senior occupied houses in Greece can also avail discounts on home insurance.

Tips For Choosing the Cheapest Greece, NY, Home Insurance Companies

Homeowners‌ ‌in‌ ‌Greece,‌ ‌New York,‌ ‌pay‌ ‌an‌ ‌average‌ ‌home‌ ‌insurance‌ ‌rate‌ ‌of‌ ‌$1,361. However,‌ ‌the‌ ‌cost‌ ‌of‌ ‌home‌ ‌insurance‌ ‌in‌ ‌Greece‌ ‌varies‌ ‌widely‌ ‌depending‌ ‌upon‌ ‌several‌ variables.‌ ‌Homeowners‌ ‌need‌ ‌to‌ ‌understand‌ ‌these‌ ‌factors‌ ‌in‌ ‌order‌ ‌to‌ ‌reduce‌ ‌their‌ ‌home‌ insurance‌ ‌rates‌ ‌and‌ ‌pick‌ ‌the‌ ‌cheapest‌ ‌home‌ ‌insurance‌ ‌company.‌

Tips_For_Choosing_the_Cheapest_Greece_NY

Comparing Quotes

Home insurance providers consider different parameters before determining home insurance rates. As a result, the quotes offered to homeowners differ from one insurance company to another. Greece homeowners are advised to compare quotes from multiple home insurance companies to choose the cheapest one for their coverage requirements.

Deductibles Vs. Home Insurance Rates

Home insurance companies provide homeowners with the option of choosing a deductible based on their needs. Homeowners can reduce their home insurance rates by paying a one-time high deductible. The percentage of reduction in home insurance rates for a given deductible differs from one insurance company to another. Greece homeowners are recommended to choose the home insurance company that offers the highest price reduction for their deductible.

Add-on Policies

Home insurance agents work with homeowners to understand individual needs and suggest appropriate add-on policies. These policies are in place to cover items or damage caused due to specific reasons. The add-on policies include pet insurance, flood insurance, collectibles insurance, and earthquake insurance.

Available Discounts

Home insurance companies offer numerous discounts to homeowners to help lower the cost of insurance. Apart from the lifestyle choices of residents, home insurance companies also offer discounts based on the safety measures implemented by homeowners. Considering the specific features of their home, Greece homeowners are advised to choose the home insurance company that offers the highest discount for their coverage needs.

Claims History of Homeowners

If home insurance companies find repetitive claims or a pattern in filing claims, the home insurance rates for such homeowners can increase drastically. On the other hand, homeowners receive discounts on home insurance rates if they have a claims-free history. Greece homeowners should choose home insurance companies that are liberal in determining home insurance rates based on the claims history.

Greece, NY Homeowners Insurance By Home Value

Greece, NY Home Value Total Homes % of Total Average Greece, NY Homeowners Insurance
Less than $50,000 645 2.0% $112
$60,000 to $69,999 386 1.0% $301
$70,000 to $79,999 1,460 5.0% $349
$80,000 to $89,999 2,521 8.0% $396
$90,000 to $99,999 2,775 9.0% $444
$100,000 to $124,999 6,227 22.0% $515
$125,000 to $149,999 5,147 18.0% $645
$150,000 to $174,999 3,763 13.0% $763
$175,000 to $199,999 2,105 7.0% $882
$200,000 to $249,999 1,652 5.0% $1059
$250,000 to $299,999 890 3.0% $1290
$300,000 to $399,999 453 1.0% $1645

Top Home Insurance Agents Near Greece, NY

Home Insurance Company Near Greece, NY Homeowners Insurance Agency Near Greece, NY Address
Travelers Quinton Insurance Protection Team 2700 ELMWOOD AVE STE B, ROCHESTER, NY, 14618
Travelers Shepard Maxwell & Hale Agency Inc 2176 Lake Road, Hamlin, NY, 14464
Allstate Tompkins Insurance Agencies, Inc. (Nunda) 25 State St, nunda, NY, 14517
Allstate Antonio Gimmillaro 1709 Crittenden Rd, Rochester, NY, 14623
Travelers D G & M Agency, Inc. 2480 BROWNCROFT BLVD STE 2A, ROCHESTER, NY, 14625

Greece, NY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Greece, NY

Streets in Greece Area Homeowners Insurance Cost
Pearson Ln, Snowy Owl Ridge, Willowood Dr, Willis Ave, Visions Cir, Frisbee Hill Rd, Rose Dust Dr, Antonina Ln, Porter Ave, Valley Crest Rd$593
Woodland Dr, Killarney Dr, Fair Lane Dr, Hallbar Rd, Somerworth Dr, Amy Ln, Creek Meadow Ln, Ridgecrest Rd, Ridgemar Rd, Gnage Ln$591
Tanglewood Dr, Cross Creek Ln, Greenleaf Rd, Bancroft Dr, Kingsridge Ln, Harvest Dr, Parklands Dr, Boyd Dr, Stone Ridge Dr, Carrington Dr$585
Alden Rd, Manitou Ln, Castle Grove Dr, Radford Way, Haddon Rd, Co Rd 132, Winesap Pt, W Hill Est, Falmouth St, Mann Rd$592
Willowbrook Rd, Summit Hill Dr, Kingsberry Dr, Lambert Dr, Ripplewood Dr, Spring Tree Ln, Squareview Ln, Fireglow Ln, Meadow Creek Cir, Hillbridge Dr$591
Evanwood Cir, 7th Ave, Crab Apple Ln, Marie Elaina Dr, Maylong Dr, Bonita Dr, Co Rd 130, Sierra Dr, Woodhill Dr, Whistlers Cove Ln$598
Shore Acres Dr, Co Rd 264, Alps St, Bayberry Ln, Pond View Heights Rd, Crossroads Ln, Melwood Dr, Greymere Rd, Nymark Dr, Goethals Dr$597
Ledgewood Cir, Old Stone Ln, Tree Line Dr, Dellwood Cir, Larkins Xing, Arcadia Pkwy, Treeline Dr, Craftwood Ln, Co Rd 126, Selkirk Dr$591
Glenbriar Cir, Highrise Dr, Andover St, Parkside Ln, Crispin Ct, Collenton Dr, Mac Arthur Rd, Grecian Gardens Dr, Co Rd 140, Holyoke St$584
Fleming Creek Cir, Greenleaf Rd, Glenn Abbey Cir, Tahoe Dr, la Verne Dr, Sara Minni Dr, Lake Meadow Dr, Shaemus Dr, Cragg Rd, Greenleaf Rd$586

Greece, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Greece$88 to $90
Parma$88
Rochester$87
Ogden$89

Greece, 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
Parma town, Monroe County, New York $89 $118 $177
Hilton village, New York $89 $118 $177
North Gates CDP, New York $88 $117 $176

Greece, 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
Greece, NY3.6%8.6%
Parma3.49%9.52%
Hilton3.82%8.72%
North Gates4.02%10.79%

Greece Renters Insurance as a Percentage of Rent

Greece Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 179 1.0% $797
$300 to $499 265 2.0% $1247
$500 to $749 3,046 31.0% $1922
$750 to $999 3,355 35.0% $2672
$1,000 to $1,499 2,046 21.0% $3797
$1,500 or more 636 6.0% $5447

Greece, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Greece Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,000$5,500
Net Savings to Greece Home Owner from High Deductible Plan $500

Greece, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Greece, NY Home Replacement Value MORE than Home Value Greece, NY Home Replacement Value LESS than Home Value
Replacement Value $175,500 $119,000
Insurance Premium based on Replacement Value $1,725 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $19,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $375/year

Example Greece Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceState Farm
Monthly Premium 18568178
Year Built 199519761966
Home Details 4 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$75000-$100000$350000-$400000
Deductible $500 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 200,000 Tile Roof 2,200 4 > $10,000 Deductible 1130 10 Fiber-Cement Siding No
1967 140,000 Shingles Roof 1,960 4 $1000-$2500 Deductible 480 4 Fiber-Cement Siding yes
1965 130,000 Slate Shingles Roof 1,390 2 $2500-$5000 Deductible 100 1 Vinyl siding yes
1983 95,000 Membrane Roof 1,200 3 $500- $1000 Deductible 510 7 Wood siding No
1973 110,000 Tile Roof 1,640 2 $500- $1000 Deductible 350 4 Wood siding No
1977 140,000 Membrane Roof 2,060 3 $500 Deductible 630 4 Brick siding No
1991 420,000 Wood Shake Roof 5,000 5 > $10,000 Deductible 1750 12 Fiber-Cement Siding No
1962 120,000 Membrane Roof 1,430 2 $1000-$2500 Deductible 750 9 Stone Siding yes
1998 455,000 Membrane Roof 4,750 5 $2500-$5000 Deductible 3420 12 Stucco siding yes
1963 235,000 Asphalt Shingles Roof 3,290 4 $5000 to $10,000 Deductible 1400 12 Vinyl siding No
1997 150,000 Composition Roof 1,690 4 $500- $1000 Deductible 880 6 Stucco siding yes
1971 95,000 Metal Roof 1,200 3 $500 Deductible 500 8 Vinyl siding No
1964 190,000 Shingles Roof 1,990 4 $5000 to $10,000 Deductible 600 7 Stone Siding No
1975 155,000 Membrane Roof 2,130 3 $5000 to $10,000 Deductible 760 10 Wood siding yes
1971 380,000 Asphalt Shingles Roof 4,960 5 $500 Deductible 2040 5 Stucco siding yes
1993 345,000 Metal Roof 4,470 5 $500- $1000 Deductible 1760 7 Vinyl siding yes
1982 130,000 Slate Shingles Roof 1,960 4 $1000-$2500 Deductible 600 6 Brick siding yes
1987 90,000 Metal Roof 940 2 $500 Deductible 620 10 Stucco siding No
1989 230,000 Composition Roof 3,260 4 $1000-$2500 Deductible 530 3 Vinyl siding yes
1960 95,000 Composition Roof 1,130 2 $1000-$2500 Deductible 110 2 Brick siding No
1975 150,000 Membrane Roof 2,050 3 $1000-$2500 Deductible 290 3 Stucco siding No
1987 130,000 Slate Shingles Roof 1,970 4 $500- $1000 Deductible 410 3 Wood siding yes
1965 85,000 Membrane Roof 960 2 $2500-$5000 Deductible 290 8 Stucco siding No
1960 165,000 Membrane Roof 1,990 3 $500 Deductible 840 6 Stucco siding No
1980 240,000 Wood Shake Roof 3,550 5 $1000-$2500 Deductible 1460 7 Stone Siding No
1982 125,000 Wood Shake Roof 1,540 2 $500- $1000 Deductible 350 4 Vinyl siding No
1990 150,000 Metal Roof 1,650 3 $500- $1000 Deductible 140 1 Stone Siding No
1998 165,000 Slate Shingles Roof 1,920 5 $5000 to $10,000 Deductible 970 10 Fiber-Cement Siding yes
1973 155,000 Composition Roof 1,670 3 $1000-$2500 Deductible 590 5 Vinyl siding yes
1985 110,000 Wood Shake Roof 1,210 2 $1000-$2500 Deductible 240 3 Wood siding No
1962 180,000 Composition Roof 2,220 3 $2500-$5000 Deductible 1540 12 Vinyl siding No
1998 120,000 Wood Shake Roof 1,840 4 $500- $1000 Deductible 90 1 Vinyl siding No
1986 185,000 Membrane Roof 2,010 3 $2500-$5000 Deductible 1410 10 Stucco siding No

Latest Home Insurance Reviews

Aaa
I like that I can go into a local office and have someone take care of any issues I may have. They are always friendly and willing help
State Farm
The claim process was long and tedious. I made a claim December of 2016 for a flood that we had, did not receive the amount I was promised and took over 6 months to receive the benefit. I do not recommend.
Travelers
It works fine and does what I need it to do. I typically manage our policy through our insurance agent, though, so I rarely log in.
Allstate
I would give the insurance a 5, due to the many problems that occured with my house. They had no problem covering cost.
Geico
some price increases may be caused by factors within your control, others are caused by issues that are affecting car insurance customers across the country
Allstate
Recommened because of the customer service and coverage.
Liberty Mutual
The premium and deductable are similar to what other people are charging. Not cheaper not more expensive.
Usaa
The premium is a little higher than many other agencies, but the coverage cannot be beat. I won't change insurance for any reason in the forseeable future.
Usaa
My homes insurance company is great. I would give it a 5. When I call they answer the phone and they always seem to know the answer to my questions. If I have any problem they get it fixed right away.
Geico
I would recommend Geico for home owners insurance,they are reliable and the customer Service reps are very knowledgeable regrading different ways to handle an issue you may have.
State Farm
I would say compared to other insurance providers that I have had that state farm is above and beyond expectations. They do a good job and I believe they are one of the top providers.
Metlife
We have this insurance since 20 years and it pays off that we still have this low deductible and we can rely on them.
Allstate
My insurance company sometimes provides me with customer service representatives from foreign countries that can be hard to understand sometimes.
State Farm
I live in an area of unpredictable weather, with disasters such as tornadoes, and floods. their coverage for weather damage is really good!
Narragansett Bay Insurance Company
I dislike that they didn't give me enough time to fix an issue that I had in my home which was very costly. They threatened to cancel my policy if it was not done by a certain date. Which I feel was a short time.

How To Make Your Greece, NY Home Insurance Cheaper

How Much Does Greece, NY Home Insurance Cost?