Groton Insurance Rates:

Groton, NY homeowners insurance is nearly $500 to $679, about $41-$56/month. Our complete analysis shows customers can save as much as $236 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Groton, NY Homeowners Insurance By Home Value

Groton, NY Home Value Total Homes % of Total Average Groton, NY Homeowners Insurance
Less than $50,000 255 14.0% $123
$50,000 to $59,999 73 4.0% $271
$70,000 to $79,999 115 6.0% $383
$80,000 to $89,999 67 3.0% $436
$90,000 to $99,999 138 7.0% $489
$100,000 to $124,999 407 23.0% $566
$125,000 to $149,999 238 13.0% $708
$150,000 to $174,999 184 10.0% $837
$175,000 to $199,999 173 9.0% $967
$200,000 to $249,999 57 3.0% $1162
$250,000 to $299,999 25 1.0% $1421

Top Home Insurance Agents Near Groton, NY

Home Insurance Company Near Groton, NY Homeowners Insurance Agency Near Groton, NY Address
NA Hill Insurance Service, Llc 3649 Erie Blvd East, Suite D205, Syracuse, NY, 13214
State Farm Brian Leach 12 Washington Ave, Endicott, NY, 13760-5305
Erie Eby Insurance Llc 426 S Keystone Avenue, Sayre, PA, 18840
Nationwide James R. Macuch 2507 E Main St, Endwell, NY, 13760-5813
Travelers Lazarski Wrobel, Adydan Inc 1607 W Genesee St, Syracuse, NY, 13204

Cost Of Homeowners Insurance By Street Near Groton, NY

Streets in Groton Area Homeowners Insurance Cost
W Groton Rd, Brickyard Rd, Salt Rd, W Dryden Rd, Park St, Bird Cemetery Rd, Stevens Rd, E Lansing Rd, Talmadge Rd, Lansing Park Rd$600
Storm Rd, McKinley Ave, Lockerby Hill Rd, E South St, Salt Rd, Ludlowville Rd, Tillotson Dr, Lake Ridge Rd, Brooks Hill Rd, Champlin Rd$600
Old Groton Rd, Butler Ln, Milliken Station Rd Exd, Freeville Groton Rd, Sage Dr, Ladoga Park E, Ford Hill Rd, Whitetail Xing, W Malloryville Rd, Sweazey Rd$599
Devlen Rd, Walters Rd, Emmons Rd, Co Rd 108, Conlon Rd, Meadow Dr, Co Rd 156, Sharpsteen Rd, Lincoln Ave, Conger Blvd$600
Co Rd 152, Top Forty Rd, Linderman Ave, Weeks Rd, Bone Plain Rd, Fiddlers Ridge, W Hill Ln, Genoa Lansing Townline Rd, Deibler Dr, Groton Rd$598

Groton, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Groton$88 to $90
Freeville$89
Summerhill$88
Locke$87

Groton, 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
Freeville village, New York $89 $118 $177
Summerhill town, Cayuga County, New York $88 $117 $176
Locke town, Cayuga County, New York $88 $117 $176

Groton, 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
Groton, NY4.2%10.3%
Freeville3.59%10.14%
Summerhill4.22%9.32%
Locke4.68%10.24%

Groton Renters Insurance as a Percentage of Rent

Groton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 41 7.0% $798
$300 to $499 157 26.0% $1248
$500 to $749 190 32.0% $1923
$750 to $999 91 15.0% $2673
$1,000 to $1,499 106 18.0% $3798

Groton, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Groton Homeowner Insurance Premium Example $3,500$2,900
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $28,800$27,000
Net Savings to Groton Home Owner from High Deductible Plan $1,800

Groton, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Groton, NY Home Replacement Value MORE than Home Value Groton, NY Home Replacement Value LESS than Home Value
Replacement Value $166,000 $116,500
Insurance Premium based on Replacement Value $1,675 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,000 Risk Exposure from Under Insuring Coverage is $27,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $225/year

Example Groton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmNationwide Insurance
Monthly Premium 11422597
Year Built 199420141945
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$250000-$300000$150000-$175000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 240,000 Shingles Roof 3,180 4 $1000-$2500 Deductible 820 4 Vinyl siding yes
1981 170,000 Wood Shake Roof 2,610 4 $1000-$2500 Deductible 1040 9 Vinyl siding yes
1997 290,000 Metal Roof 3,930 5 $500 Deductible 980 4 Fiber-Cement Siding yes
1947 105,000 Wood Shake Roof 1,570 3 $500 Deductible 610 8 Brick siding yes
1990 330,000 Shingles Roof 4,090 5 > $10,000 Deductible 820 6 Brick siding yes
1985 180,000 Slate Shingles Roof 2,060 3 $5000 to $10,000 Deductible 1160 12 Brick siding yes
1984 215,000 Composition Roof 2,450 4 $2500-$5000 Deductible 500 5 Stone Siding yes
1980 120,000 Metal Roof 1,790 5 $1000-$2500 Deductible 70 1 Vinyl siding yes
1942 150,000 Shingles Roof 2,360 4 $1000-$2500 Deductible 210 2 Brick siding No
1987 175,000 Tile Roof 2,310 5 $2500-$5000 Deductible 890 6 Wood siding yes
1983 185,000 Membrane Roof 2,280 4 $500 Deductible 1020 6 Brick siding No
2013 215,000 Slate Shingles Roof 3,390 4 > $10,000 Deductible 880 9 Fiber-Cement Siding yes
1981 100,000 Membrane Roof 1,420 3 $1000-$2500 Deductible 600 10 Wood siding yes
1985 235,000 Metal Roof 3,110 4 $5000 to $10,000 Deductible 410 3 Brick siding No
1983 315,000 Wood Shake Roof 4,050 5 $500- $1000 Deductible 860 3 Brick siding No
2012 230,000 Slate Shingles Roof 3,500 5 $5000 to $10,000 Deductible 450 3 Brick siding No
2012 90,000 Asphalt Shingles Roof 1,330 3 $500 Deductible 860 12 Brick siding No
1998 215,000 Composition Roof 2,640 4 $1000-$2500 Deductible 1670 9 Vinyl siding No
1946 85,000 Membrane Roof 1,350 3 $500- $1000 Deductible 250 6 Wood siding yes
2012 235,000 Slate Shingles Roof 3,590 5 $5000 to $10,000 Deductible 480 3 Vinyl siding No
1945 170,000 Slate Shingles Roof 2,440 5 $5000 to $10,000 Deductible 960 10 Stucco siding No
2010 90,000 Metal Roof 1,410 3 $500- $1000 Deductible 110 2 Stucco siding yes
1982 165,000 Wood Shake Roof 2,670 5 $500- $1000 Deductible 770 6 Stone Siding yes
1985 130,000 Slate Shingles Roof 2,120 5 $2500-$5000 Deductible 560 10 Wood siding No
1991 155,000 Slate Shingles Roof 2,370 4 $5000 to $10,000 Deductible 90 1 Stone Siding No
2010 115,000 Membrane Roof 1,530 3 $500 Deductible 880 9 Wood siding No
1982 325,000 Slate Shingles Roof 4,690 5 $500 Deductible 1360 6 Stucco siding yes
2010 160,000 Shingles Roof 1,780 3 $2500-$5000 Deductible 180 2 Fiber-Cement Siding yes
2013 255,000 Slate Shingles Roof 3,080 4 $500 Deductible 840 4 Vinyl siding yes
2012 150,000 Wood Shake Roof 2,420 5 $5000 to $10,000 Deductible 170 2 Stone Siding No
1942 160,000 Slate Shingles Roof 2,400 5 $5000 to $10,000 Deductible 740 8 Vinyl siding yes
1998 115,000 Asphalt Shingles Roof 1,900 3 $500 Deductible 660 5 Stucco siding yes
2013 330,000 Shingles Roof 4,830 5 $500 Deductible 1620 6 Wood siding yes
1980 120,000 Slate Shingles Roof 1,650 3 $500 Deductible 920 10 Fiber-Cement Siding yes