Ithaca Insurance Rates:

Ithaca, NY homeowners insurance is roughly $512 to $696, about $42-$58/month. Our all inclusive analysis shows customers can save upto $241 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Narragansett Bay Insurance Company
Overall I don't have much experience with them. But I would say I like that the agent is there to answer my questions and that the premium is a low amount.
Usaa
The mobile app and online website are all I use. It's perfect. Much more convenient on the phone.
Universal Property & Casualty Insurance Company
I have not had to file a claim with the company so I can't speak to the claims process and how it works.
Union Mutual
We had a claim on our insurance last year. I was apprehensive given horror stories I had heard about people trying to make claims with their insurances. The agent was not only quick with the claim but incredibly polite and helpful. He went out of his way to answer the many questions I had.
Usaa
I would like usaa more if they had local offices i could go to when i have a home claim issue.
Farmer's Insurance
I like farmers because they came out in the middle of the night to look at the tree that had fallen on my house.
Geico
I would also need to get an umbrella policy as well to have extra coverage in case of accidents and or lawsuits.

Ithaca, NY Homeowners Insurance By Home Value

Ithaca, NY Home Value Total Homes % of Total Average Ithaca, NY Homeowners Insurance
Less than $50,000 161 6.0% $78
$50,000 to $59,999 26 1.0% $169
$70,000 to $79,999 73 2.0% $241
$90,000 to $99,999 53 2.0% $308
$100,000 to $124,999 175 6.0% $356
$125,000 to $149,999 211 8.0% $446
$150,000 to $174,999 533 20.0% $531
$175,000 to $199,999 231 8.0% $610
$200,000 to $249,999 480 18.0% $736
$250,000 to $299,999 342 13.0% $899
$300,000 to $399,999 288 11.0% $1141

Top Home Insurance Agents Near Ithaca, NY

Home Insurance Company Near Ithaca, NY Homeowners Insurance Agency Near Ithaca, NY Address
NA Dennis Wayne Lio 28 Jordan St Apt D, Skaneateles, NY, 13152
Travelers Aa-Wyak Insurance Agency Inc 7 JARVIS ST, BINGHAMTON, NY, 13905
State Farm Bill Pope 291 S Hamilton St, Painted Post, NY, 14870-9782
Liberty Mutual Kevin Rounds 4104 Old Vestal Road, Vestal, NY, 13850
Liberty Mutual Independent Kilborne Agency Inc 137 MAIN ST, MORAVIA, NY, 13118

Cost Of Homeowners Insurance By Street Near Ithaca, NY

Streets in Ithaca Area Homeowners Insurance Cost
W Clinton St, W Green St, Dodge Rd, Hyers St, Coddington Rd, Fayette St, Southwoods Dr, Chestnut St, Highland Rd, James St$588
S Corn St, 4th St, Snyder Hts, Indian Creek Rd, Sunrise Rd, Brandon Pl, Larisa Ln, W Remington Rd, Worth St, Reuben St$609
Co Rd 121, E Court St, Bostwick Rd, Ithaca Rd, Penny Ln, Pineview Ter, Calkins Rd, Hillside Dr, 5th St, E Buffalo St$612
Conifer Dr, N Albany St, Iroquois Rd, Co Rd 139, Apple Blossom Ln, Wyckoff Ave, Morris Hts, Dates Dr, Lodge Way, Snyder Hill Ct$607
W Jay St, Kline Rd, Mecklenburg Rd, Joanne Dr, Wilkins Rd, Cypress Ct, E Lincoln St, Sheffield Rd, Graham Rd W, College Ave$610

Ithaca, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ithaca$90 to $92
Tompkins County$90
Forest Home$97
Cayuga Heights$94

Ithaca, 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
Tompkins County, New York $75 $100 $150
Forest Home CDP, New York $81 $108 $162
Cayuga Heights village, New York $79 $105 $157

Ithaca, 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
Ithaca, NY3.0%8.1%
Tompkins County3.34%8.24%
Forest Home1.64%5.39%
Cayuga Heights2.15%5.25%

Ithaca Renters Insurance as a Percentage of Rent

Ithaca Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 223 3.0% $792
$300 to $499 477 6.0% $1242
$500 to $749 1,457 19.0% $1917
$750 to $999 2,048 27.0% $2667
$1,000 to $1,499 1,948 26.0% $3792
$1,500 or more 1,147 15.0% $5442

Ithaca, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Ithaca Homeowner Insurance Premium Example $1,000$600
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $7,900$7,100
Net Savings to Ithaca Home Owner from High Deductible Plan $800

Ithaca, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ithaca, NY Home Replacement Value MORE than Home Value Ithaca, NY Home Replacement Value LESS than Home Value
Replacement Value $265,000 $166,000
Insurance Premium based on Replacement Value $3,075 $1,925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,500 Risk Exposure from Under Insuring Coverage is $49,500
Premium Impact Insurance cheaper by $575/year Insurance costlier by $575/year

Example Ithaca Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceLiberty Mutual
Monthly Premium 127105122
Year Built 194719841944
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$150000-$175000$250000-$300000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 195,000 Slate Shingles Roof 2,120 3 $5000 to $10,000 Deductible 180 2 Stucco siding yes
1944 225,000 Composition Roof 2,230 4 $2500-$5000 Deductible 1200 8 Stucco siding No
1981 330,000 Shingles Roof 2,650 5 $500- $1000 Deductible 2770 10 Stone Siding yes
1982 105,000 Tile Roof 1,240 2 $500- $1000 Deductible 340 4 Stone Siding No
1945 140,000 Tile Roof 1,470 2 $500 Deductible 1480 10 Stucco siding yes
1988 105,000 Membrane Roof 1,040 2 $500- $1000 Deductible 200 2 Stone Siding yes
1988 255,000 Shingles Roof 2,970 4 $5000 to $10,000 Deductible 1190 9 Stucco siding yes
1989 125,000 Slate Shingles Roof 1,240 3 $500 Deductible 130 1 Brick siding No
1982 290,000 Tile Roof 2,620 4 $500- $1000 Deductible 250 1 Vinyl siding No
1949 170,000 Membrane Roof 1,750 2 $1000-$2500 Deductible 1450 8 Stone Siding No
1987 470,000 Tile Roof 4,330 5 $2500-$5000 Deductible 2600 10 Brick siding yes
1980 195,000 Composition Roof 1,890 5 $2500-$5000 Deductible 790 8 Wood siding No
1986 280,000 Metal Roof 2,360 3 > $10,000 Deductible 300 3 Brick siding yes
1947 295,000 Composition Roof 2,850 4 $2500-$5000 Deductible 830 5 Stucco siding yes
1981 110,000 Composition Roof 1,120 2 $500- $1000 Deductible 180 2 Wood siding No
1981 130,000 Composition Roof 1,450 3 $2500-$5000 Deductible 380 4 Stucco siding yes
1948 80,000 Wood Shake Roof 910 2 $500 Deductible 150 2 Fiber-Cement Siding yes
1947 240,000 Composition Roof 2,220 5 $2500-$5000 Deductible 350 2 Stone Siding No
1943 150,000 Wood Shake Roof 1,520 2 $1000-$2500 Deductible 680 7 Brick siding yes
1985 525,000 Slate Shingles Roof 4,630 5 $500 Deductible 4010 9 Wood siding yes
1943 425,000 Metal Roof 3,540 5 $500- $1000 Deductible 1530 5 Stone Siding No
1987 185,000 Metal Roof 2,140 5 $500- $1000 Deductible 150 1 Stucco siding yes
1986 480,000 Composition Roof 4,340 5 $1000-$2500 Deductible 280 1 Fiber-Cement Siding yes
1988 155,000 Shingles Roof 1,540 2 $500 Deductible 1040 7 Brick siding No
1989 235,000 Metal Roof 2,100 3 $1000-$2500 Deductible 1680 12 Fiber-Cement Siding No
1940 190,000 Slate Shingles Roof 1,910 3 $1000-$2500 Deductible 400 3 Wood siding No
1943 205,000 Metal Roof 2,090 4 > $10,000 Deductible 490 6 Wood siding yes
1946 195,000 Membrane Roof 1,590 3 $500 Deductible 730 5 Stone Siding yes