Hamburg Insurance Rates:

Hamburg, NY homeowners insurance is approximately $506 to $685, about $42-$57/month. Our complete research indicates shoppers can save upto $238 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Their agents have access to mature processes and technology which serves them and their customers well.
Geico
The other thing i don't like about geico is their inflexibility with payment schedules. we have had a bear of a time trying to change our payment date and it just hasn't worked out the way we have wanted it to. we are still trying and we have been able to make arrangements, but to make a permanent switch seems to be more difficult than we intended or thought it would be.
State Farm
State farm allows you to bundle your auto and life insurance with your existing home policy. this allows the customer to deal with the same representative for all of their needs.
Allstate
I feel the premium is a bit higher compared to other insurance companies. But Allstate is a good company that I trust so I am willing to pay a bit more to keep their coverage.
Metlife
I am satisfied because I have not seen anything much cheaper. I would switch if I found something with a lower premium.
Usaa
We are able to access our company's various products including our mortgage, home owner's insurance, and auto insurance packages, all from one single website portal.
Safeco Insurance
With my last company, I was paying $300 a month for just car insurance. With AAA I was able to drop my payment to $270 for my car and my home.

Hamburg, NY Homeowners Insurance By Home Value

Hamburg, NY Home Value Total Homes % of Total Average Hamburg, NY Homeowners Insurance
Less than $50,000 842 4.0% $101
$50,000 to $59,999 180 1.0% $214
$60,000 to $69,999 278 1.0% $267
$70,000 to $79,999 439 2.0% $309
$80,000 to $89,999 740 4.0% $351
$90,000 to $99,999 1,095 6.0% $392
$100,000 to $124,999 3,308 19.0% $452
$125,000 to $149,999 2,539 14.0% $571
$150,000 to $174,999 2,879 16.0% $672
$175,000 to $199,999 1,420 8.0% $779
$200,000 to $249,999 1,624 9.0% $934
$250,000 to $299,999 968 5.0% $1142
$300,000 to $399,999 796 4.0% $1451

Top Home Insurance Agents Near Hamburg, NY

Home Insurance Company Near Hamburg, NY Homeowners Insurance Agency Near Hamburg, NY Address
NA A. M. Smith Group, Inc. 42 Pine St, Lockport, NY, 14094
Travelers Brown & Brown Of New York Inc 200 John James Audubon Pkwy Ste 102, AMHERST, NY, 14228
Travelers Penfold Scott Associates Inc 8340 Main St Rear B Williamsville, Buffalo, NY, 14221
Allstate The Weast Agency 123 Main St # 476, Salamanca, NY, 14779
Allstate Tompkins Insurance Agencies, Inc. (Nunda) 25 State St, nunda, NY, 14517

Cost Of Homeowners Insurance By Street Near Hamburg, NY

Streets in Hamburg Area Homeowners Insurance Cost
Soda Pkwy, S Lake Shore Rd, S Alfred Rd, Alsace Pl, Marengo Ave, Woodford Dr, Stevens Rd, Windridge Ln, Kirschner Pkwy, Queens Ct$594
Burlbrook Dr, Allendale Pkwy, S Lake St, Vail Dr, Grant Ave, Marie Dr, Center Lane Dr, Bay View Rd, Deacon St, Riverton Ave$597
S Shore Dr, Grandview Ave, Roanoke Pkwy, Rosewood Ter, Beachwood Dr, Riverview Dr, Lower Ct, Grafton Ave, Chapman Pkwy, Winterway Ln$592
Browning Dr, Niles Ave, Fairview Pkwy, Mundy Ave, Waveland Ct, Stilwell Rd, Kingswood Ln, Beverly Pl, Woodway Ct, Somerset Ln$595
Garden Path, Penhurst Pl, Copperfield Dr, Hawley Rd, Sheldon Rd, Wayside Dr, Donald Pl, Sheva Ln, East Pkwy, Hoover Rd$599

Hamburg, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hamburg$89 to $91
Wanakah$88
Blasdell$87
North Boston$89

Hamburg, 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
Wanakah CDP, New York $74 $98 $147
Erie County, New York $74 $99 $148
Blasdell village, New York $73 $97 $146

Hamburg, 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
Hamburg, NY3.6%9.2%
Wanakah3.97%11.0%
Erie County3.79%9.6%
Blasdell4.5%9.37%

Hamburg Renters Insurance as a Percentage of Rent

Hamburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 102 1.0% $346
$200 to $299 234 3.0% $796
$300 to $499 770 12.0% $1246
$500 to $749 2,349 38.0% $1921
$750 to $999 1,880 31.0% $2671
$1,000 to $1,499 659 10.0% $3796
$1,500 or more 62 1.0% $5446

Hamburg, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$7,400
Yearly Hamburg Homeowner Insurance Premium Example $2,400$1,400
Out of Pocket Expense During Claim$1,400$7,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $18,200$17,200
Net Savings to Hamburg Home Owner from High Deductible Plan $1,000

Hamburg, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hamburg, NY Home Replacement Value MORE than Home Value Hamburg, NY Home Replacement Value LESS than Home Value
Replacement Value $274,500 $189,000
Insurance Premium based on Replacement Value $3,275 $2,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $60,000
Premium Impact Insurance cheaper by $725/year Insurance costlier by $300/year

Example Hamburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceLiberty Mutual
Monthly Premium 8177265
Year Built 197819811943
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$125000-$150000$350000-$400000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 145,000 Asphalt Shingles Roof 1,560 5 $500- $1000 Deductible 1500 12 Fiber-Cement Siding yes
1964 190,000 Shingles Roof 1,940 3 $500- $1000 Deductible 600 4 Vinyl siding No
1941 120,000 Shingles Roof 1,730 3 $500 Deductible 920 10 Stone Siding yes
1974 225,000 Slate Shingles Roof 2,340 3 > $10,000 Deductible 350 3 Wood siding yes
1982 195,000 Tile Roof 2,320 4 $1000-$2500 Deductible 520 4 Stone Siding No
1977 295,000 Membrane Roof 3,270 4 $1000-$2500 Deductible 360 2 Stucco siding yes
1986 280,000 Slate Shingles Roof 3,350 5 $5000 to $10,000 Deductible 430 3 Stone Siding No
2004 155,000 Shingles Roof 2,180 4 $500- $1000 Deductible 820 7 Vinyl siding No
2004 215,000 Slate Shingles Roof 2,070 3 $1000-$2500 Deductible 910 6 Fiber-Cement Siding No
1975 130,000 Shingles Roof 1,300 3 $2500-$5000 Deductible 890 9 Stone Siding yes
1988 380,000 Shingles Roof 4,040 5 $1000-$2500 Deductible 2690 10 Stone Siding No
2009 360,000 Composition Roof 3,980 5 $500- $1000 Deductible 3730 10 Fiber-Cement Siding No
1940 210,000 Composition Roof 2,060 3 $1000-$2500 Deductible 1450 10 Stucco siding No
1976 365,000 Wood Shake Roof 3,670 5 $1000-$2500 Deductible 2120 9 Stone Siding No
1969 140,000 Slate Shingles Roof 1,440 3 $500- $1000 Deductible 550 6 Wood siding No
1978 350,000 Wood Shake Roof 3,380 4 $500- $1000 Deductible 1800 8 Stucco siding No
1966 315,000 Asphalt Shingles Roof 3,020 4 $500 Deductible 940 4 Brick siding No
1988 185,000 Metal Roof 1,750 3 $1000-$2500 Deductible 1860 12 Brick siding No
1964 265,000 Membrane Roof 3,400 4 $1000-$2500 Deductible 400 2 Stucco siding No
2002 235,000 Metal Roof 2,310 4 > $10,000 Deductible 230 2 Wood siding yes
1941 275,000 Membrane Roof 2,980 4 $500 Deductible 2700 12 Fiber-Cement Siding yes
1981 120,000 Shingles Roof 1,450 3 $1000-$2500 Deductible 230 3 Vinyl siding yes
2009 145,000 Wood Shake Roof 2,070 3 $500- $1000 Deductible 1580 12 Vinyl siding yes
1971 195,000 Shingles Roof 2,230 3 $500- $1000 Deductible 170 1 Wood siding yes
1979 165,000 Membrane Roof 2,060 3 $500 Deductible 550 4 Stucco siding No
1970 230,000 Metal Roof 2,390 4 $500 Deductible 130 1 Vinyl siding yes
2009 265,000 Tile Roof 3,260 5 $2500-$5000 Deductible 1630 12 Brick siding yes
2006 280,000 Metal Roof 3,110 4 $2500-$5000 Deductible 420 3 Fiber-Cement Siding yes
1984 180,000 Membrane Roof 1,800 3 $500- $1000 Deductible 1320 10 Fiber-Cement Siding No
1944 160,000 Membrane Roof 1,560 3 $500- $1000 Deductible 270 2 Stone Siding yes