Irondequoit Insurance Rates:

Irondequoit, NY homeowners insurance is roughly $502 to $678, about $41-$56/month. Our comprehensive research indicates shoppers can save upto $236 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I'd recommend Allstate as a home insurance company. They have been very good at providing me the service I expect and are always there to help when necessary.
Farmer's Insurance
I would recommend farmers over other insurance providers because of their uniqueness in comparison to other providers. the cost and communication are of excellent quality.
State Farm
I have been a customer of my insurance agent for 23 years. I have always received excellent customer service from them.
Usaa
Usaa adjusters are not always available. their timeliness in responding is not lacking when you need assistance with a claim.
Usaa
I would recommend this place very highly simply for the savings and the people you deal with. they make it such a stress free experience always that it is just a relief to not have to deal with the hassle from the other guys. i will be keeping my business with usaa for years to come.
Travelers
I have not had to interact directly with the company's customer service. I go through an independent dealer. The independent dealer has amazing customer service.
Progressive
progressive insurance policy has great deal with car and home insurance all combine together.if they have different offer they automatically call me regarding the new policy that i should be interested in
Usaa
The policy offerings are quite flexible to my needs and I like being able to change them at any point in time that I would like. You can also change them on their website.
Usaa
Usaa were professional, proactive, and joy to work with. last year, our hot water heater ruptured. the water flooded the entire main floor. our brazilian hardwood floors were toast. i was a new mother of a three week old infant. my husband and i have only lived in this home for 10 months. it was a nightmare. i just had a c-section. my husband went back to work the day before. it was crazy. the usaa claims adjuster came out to our home within an hour of our phone call. they were personable and took the time with me that i needed.
Allstate
I like their customer service. it is hands down the best service i have had with any insurance company. the operators are very knowledgeable.
Erie Insurance
The guy who takes care of my insurance has always been extremely polite and helps me with whatever questions I have. If he doesn't know he gets the answer and gets back to me very quickly.
Usaa
We don't have any complaints at this time as we have only had the policy for 3 years. Hopefully, we will not have to use it for some time.
Usaa
On average, they are very communicative and professional. They ask questions, listen, and respond. However, I have come across a representative that seems very interested in getting me off the phone; giving me basic answers and few alternatives.
Allstate
I filed one towing claim and it was simple and got a reimbursement check within a week. If I needed to make a call, someone always picks up quickly and answers my questions.
Usaa
If you have to chose an insurance company, and in this neoliberal hellworld you do, I would go with USAA since they actually do provide some semblance of coverage.

Irondequoit, NY Homeowners Insurance By Home Value

Irondequoit, NY Home Value Total Homes % of Total Average Irondequoit, NY Homeowners Insurance
Less than $50,000 283 1.0% $123
$60,000 to $69,999 320 1.0% $330
$70,000 to $79,999 1,104 6.0% $377
$80,000 to $89,999 1,566 9.0% $430
$90,000 to $99,999 2,095 12.0% $483
$100,000 to $124,999 5,330 31.0% $560
$125,000 to $149,999 3,054 17.0% $702
$150,000 to $174,999 1,580 9.0% $826
$175,000 to $199,999 496 2.0% $955
$200,000 to $249,999 736 4.0% $1150
$250,000 to $299,999 333 1.0% $1404

Top Home Insurance Agents Near Irondequoit, NY

Home Insurance Company Near Irondequoit, NY Homeowners Insurance Agency Near Irondequoit, NY Address
NA John A. Rock Agency Dba John A. Rock 19 Valley View Dr, Penfield, NY, 14526
Travelers J A Edwards & Co Inc 24 E MAIN ST, CLIFTON SPRINGS, NY, 14432
Liberty Mutual Patricia Macmurdo 97 Canal Landing Blvd. Suite 12, Rochester, NY, 14626
Travelers Stan Steele Agency 55 STATE ST, BLOOMFIELD, NY, 14469
Travelers Wells Insurance 644 E MAIN ST, PALMYRA, NY, 14522

Irondequoit, NY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Irondequoit, NY

Streets in Irondequoit Area Homeowners Insurance Cost
Lanvale Park, Thistledown Dr, Sunflower Dr, Fairlawn Dr, Hope Ave, Walzford Rd, Gilbert Dr, Outlook Dr, Coolidge Rd, Oakwood Dr$589
Keating Dr, Dumont St, Kearney Dr, Lake Front, Caren Dr, N Clinton Ave, Oaklawn Dr, Dix St, Portland Manor Apartment, Tuscarora Dr$583
Lacroix Court Dr, Brookview Dr, Dawn Dr, Karrat Dr, del Rio Ln, Scholfield Rd, Eastgate Dr, Wabash Ave, Co Rd 108, Pine Grove Ave$593
Sansharon Dr, Tamarack Dr, Ridgelawn Dr, Catalpa Rd, Yorkshire Rd, Sandoris Cir, Co Rd 116, Rock Beach Rd, Vinton Rd, Bateau Ter$593
Tarrington Rd, Seville Dr, Whittington Rd, Summerville Dr, Orchard Park Blvd, Barons Rd, Suellen Dr, Shingle Mill Rd, Winchester Rd, Stanridge Ct$594

Irondequoit, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Irondequoit$88 to $90
Rochester$87
Brighton$90
Greece$88

Irondequoit, 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
Rochester city, New York $87 $116 $174
Brighton CDP, New York $90 $120 $180
Webster town, Monroe County, New York $90 $120 $180

Irondequoit, 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
Irondequoit, NY3.8%8.9%
Rochester4.67%10.3%
Brighton2.94%6.62%
Webster3.1%7.4%

Irondequoit Renters Insurance as a Percentage of Rent

Irondequoit Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 180 4.0% $348
$200 to $299 89 2.0% $798
$300 to $499 230 5.0% $1248
$500 to $749 1,302 29.0% $1923
$750 to $999 1,633 37.0% $2673
$1,000 to $1,499 723 16.0% $3798
$1,500 or more 213 4.0% $5448

Irondequoit, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Irondequoit Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,900$7,300
Net Savings to Irondequoit Home Owner from High Deductible Plan $600

Irondequoit, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Irondequoit, NY Home Replacement Value MORE than Home Value Irondequoit, NY Home Replacement Value LESS than Home Value
Replacement Value $123,000 $88,000
Insurance Premium based on Replacement Value $1,250 $900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $150/year

Example Irondequoit Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 3488983
Year Built 196919551947
Home Details 5 Beds, 2 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $350000-$400000$100000-$125000$100000-$125000
Deductible $500- $1000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 405,000 Tile Roof 4,780 5 $5000 to $10,000 Deductible 270 1 Brick siding No
1960 225,000 Membrane Roof 2,570 4 $1000-$2500 Deductible 1500 8 Stucco siding No
1943 390,000 Metal Roof 4,430 5 $500- $1000 Deductible 1500 5 Fiber-Cement Siding yes
1948 160,000 Composition Roof 1,750 3 $2500-$5000 Deductible 370 5 Brick siding No
1956 125,000 Shingles Roof 1,680 2 $2500-$5000 Deductible 890 12 Wood siding No
1974 90,000 Asphalt Shingles Roof 1,380 2 $2500-$5000 Deductible 270 5 Brick siding yes
1949 250,000 Slate Shingles Roof 3,990 5 $2500-$5000 Deductible 890 5 Stone Siding yes
1967 160,000 Wood Shake Roof 2,260 5 $5000 to $10,000 Deductible 280 3 Stone Siding yes
1962 95,000 Tile Roof 1,280 3 $1000-$2500 Deductible 660 7 Stone Siding No
1958 110,000 Asphalt Shingles Roof 1,420 2 $2500-$5000 Deductible 700 8 Stucco siding No
1979 230,000 Wood Shake Roof 2,660 4 $2500-$5000 Deductible 610 3 Vinyl siding yes
1955 260,000 Metal Roof 3,270 4 $1000-$2500 Deductible 510 4 Wood siding yes
1971 130,000 Slate Shingles Roof 2,090 4 $1000-$2500 Deductible 590 7 Brick siding yes
1963 300,000 Wood Shake Roof 4,670 5 $1000-$2500 Deductible 470 2 Fiber-Cement Siding No
1969 100,000 Membrane Roof 1,450 2 $500 Deductible 210 2 Stucco siding No
1961 105,000 Membrane Roof 1,310 2 $500 Deductible 1110 10 Brick siding No
1945 80,000 Membrane Roof 960 2 $500- $1000 Deductible 140 3 Stucco siding No
1976 85,000 Membrane Roof 930 2 $1000-$2500 Deductible 80 2 Vinyl siding yes
1961 95,000 Shingles Roof 1,140 2 $1000-$2500 Deductible 70 1 Stone Siding No
1941 155,000 Asphalt Shingles Roof 1,790 3 $500 Deductible 950 7 Fiber-Cement Siding No
1950 150,000 Tile Roof 1,790 4 $2500-$5000 Deductible 650 6 Fiber-Cement Siding yes
1961 175,000 Shingles Roof 2,360 5 $1000-$2500 Deductible 1400 9 Fiber-Cement Siding No
1951 155,000 Tile Roof 2,360 5 $500 Deductible 1020 7 Wood siding yes
1967 80,000 Metal Roof 1,140 2 $2500-$5000 Deductible 290 7 Stone Siding No
1945 255,000 Metal Roof 3,260 5 $500 Deductible 1790 8 Wood siding No
1966 355,000 Metal Roof 4,870 5 $500 Deductible 220 1 Vinyl siding No
1971 200,000 Asphalt Shingles Roof 2,170 5 $1000-$2500 Deductible 360 3 Fiber-Cement Siding yes
1943 215,000 Slate Shingles Roof 2,600 4 $1000-$2500 Deductible 550 5 Fiber-Cement Siding yes
1963 60,000 Slate Shingles Roof 920 2 $500 Deductible 340 6 Fiber-Cement Siding yes
1970 205,000 Wood Shake Roof 2,480 4 $500- $1000 Deductible 1100 9 Stone Siding No
1971 370,000 Metal Roof 4,850 5 $500 Deductible 2630 7 Wood siding yes
1952 125,000 Shingles Roof 1,650 3 $2500-$5000 Deductible 170 2 Vinyl siding yes
1957 135,000 Composition Roof 1,540 2 $500- $1000 Deductible 770 9 Vinyl siding yes
1947 115,000 Shingles Roof 1,250 3 $1000-$2500 Deductible 570 7 Brick siding yes

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