Jamestown Insurance Rates:

Jamestown, NY homeowners insurance is approximately $493 to $667, about $41-$55/month. Our thorough research reveals consumers can save as much as $232 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Tips to Reduce your Home Insurance in Jamestown, NY

Jamestown, NY, is one of the affordable places in the U.S. It is home to around 31,014 new yorkers. Even with its captivating view, residents of Jamestown can witness a noticeable number of burglaries and thefts in the town. Therefore, residents of Jamestown should take security measures to ensure their valuable property is protected from the potential threat of theft. The average cost of homeowners insurance in Jamestown, NY, is $603. Here are a few tips to get further discounts on your home insurance in Jamestown, NY.

a. By choosing a higher deductible

Homeowners in Jamestown can reduce their premiums by opting for a higher deductible. Most times, homeowners are not very much familiar with the concept of deductibles in home insurance. A deductible is the amount of money you agree to pay before you can make a claim with your provider.

In Jamestown, homeowners paying a deductible of 1500 and 2000 pay a premium of $508 and $461. In contrast, homeowners paying a deductible of 500 and 1000 pay $596 and $539, respectively. Therefore, the higher the deductible, the lower the premium.

Refer to the chart below to know the amount paid by the homeowners in Jamestown for different deductibles.


b. By installing security features

Homeowners in Jamestown can avail exclusive discounts for installing security features at home. For instance, a burglar alarm system is a tool to deter burglars and keep your home and belongings safe. Suppose a burglar attempts to pry open a window, door, or any other easy entry point to get into your building, the security system alerts officials who will be able to respond immediately. This decreases the risk of theft or burglary. In such cases, insurance providers charge lower premiums.

Residents who have installed security features like deadbolts and smoke detectors pay $555 and $531, respectively. Homeowners with fire alarms and sprinkler systems at home pay $561 and $537, respectively.

c. By maintaining a zero claims history

Homeowners in Jamestown can reduce their home insurance premiums by maintaining a zero claim history. Homeowners must avoid filing claims for petty problems, for instance, minute water leakage, shifting of foundation, wall cracks, etc. The more claims you file, the higher your premium will be next year when you renew your policy.

By providing a history of zero claims, homeowners in Jamestown, NY, have to pay a premium of $524.61, where the discount is $78.39. In contrast, policyholders with one and two claims have to pay a premium of $633.15 and $687.42, respectively.

Jamestown, NY Homeowners Insurance By Home Value

Jamestown, NY Home Value Total Homes % of Total Average Jamestown, NY Homeowners Insurance
Less than $50,000 1,980 29.0% $226
$50,000 to $59,999 1,023 15.0% $475
$60,000 to $69,999 1,081 16.0% $591
$70,000 to $79,999 808 11.0% $684
$80,000 to $89,999 560 8.0% $777
$90,000 to $99,999 334 4.0% $864
$100,000 to $124,999 402 5.0% $1003
$125,000 to $149,999 99 1.0% $1252
$150,000 to $174,999 112 1.0% $1484
$175,000 to $199,999 127 1.0% $1711
$200,000 to $249,999 103 1.0% $2059

Top Home Insurance Agents Near Jamestown, NY

Home Insurance Company Near Jamestown, NY Homeowners Insurance Agency Near Jamestown, NY Address
Erie Calvert Pearson Insurance Group 712 Pa Avenue W, Warren, PA, 16365
Allstate Edwards Ins Agy Inc 9 E Main St, Panama, NY, 14767
State Farm Mathew Phillips 1703 W 26th St, Erie, PA, 16508-1233
Allstate The Evans Agency 6834 Erie Rd, Derby, NY, 14047
State Farm Todd Powers 4532 Peach St, Erie, PA, 16509-1320

Jamestown, NY Home Insurance Agents for Top Companies

Jamestown, 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
Celoron village, New York $86 $115 $173
Jamestown West CDP, New York $88 $117 $176
Ellicott town, Chautauqua County, New York $87 $116 $174

Jamestown, 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
Jamestown, NY5.3%11.5%
Jamestown West4.73%12.43%

Jamestown Renters Insurance as a Percentage of Rent

Jamestown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 125 1.0% $353
$200 to $299 404 6.0% $803
$300 to $499 1,765 27.0% $1253
$500 to $749 2,871 44.0% $1928
$750 to $999 949 14.0% $2678
$1,000 to $1,499 216 3.0% $3803
$1,500 or more 152 2.0% $5453

Jamestown, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Jamestown Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,700$8,100
Net Savings to Jamestown Home Owner from High Deductible Plan $600

Jamestown, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Jamestown, NY Home Replacement Value MORE than Home Value Jamestown, NY Home Replacement Value LESS than Home Value
Replacement Value $43,500 $33,500
Insurance Premium based on Replacement Value $375 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $5,000 Risk Exposure from Under Insuring Coverage is $5,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Jamestown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceLiberty MutualState Farm
Monthly Premium 6647115
Year Built 196119481948
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$50000-$75000$150000-$175000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 265,000 Asphalt Shingles Roof 4,600 5 $500- $1000 Deductible 1130 7 Vinyl siding yes
1961 115,000 Wood Shake Roof 2,260 3 $500- $1000 Deductible 210 3 Fiber-Cement Siding No
1963 110,000 Shingles Roof 1,850 3 $500 Deductible 810 9 Stone Siding yes
1949 150,000 Slate Shingles Roof 2,360 4 $1000-$2500 Deductible 200 2 Stucco siding yes
1947 70,000 Asphalt Shingles Roof 1,250 3 $500 Deductible 400 6 Vinyl siding No
1949 140,000 Composition Roof 2,610 4 $1000-$2500 Deductible 470 4 Brick siding yes
1942 105,000 Composition Roof 1,980 4 $500 Deductible 390 5 Fiber-Cement Siding yes
1949 135,000 Composition Roof 2,740 5 $1000-$2500 Deductible 470 4 Stone Siding yes
1942 80,000 Tile Roof 1,710 2 $500 Deductible 650 9 Vinyl siding No
1962 150,000 Metal Roof 2,580 4 $500- $1000 Deductible 1260 12 Wood siding yes
1969 190,000 Membrane Roof 3,810 5 $5000 to $10,000 Deductible 640 6 Stone Siding No
1962 85,000 Wood Shake Roof 1,460 2 $1000-$2500 Deductible 390 5 Vinyl siding yes
1942 80,000 Metal Roof 1,250 3 $500 Deductible 490 6 Wood siding yes
1945 135,000 Composition Roof 2,950 5 $2500-$5000 Deductible 80 1 Brick siding yes
1949 100,000 Slate Shingles Roof 1,660 4 $1000-$2500 Deductible 440 6 Stone Siding yes
1962 105,000 Slate Shingles Roof 1,840 4 $500 Deductible 560 5 Wood siding No
1948 65,000 Wood Shake Roof 1,300 3 $2500-$5000 Deductible 360 9 Vinyl siding No
1944 160,000 Tile Roof 2,930 5 $1000-$2500 Deductible 420 3 Brick siding yes
1948 80,000 Composition Roof 1,700 2 $1000-$2500 Deductible 430 6 Stone Siding No
1961 195,000 Slate Shingles Roof 3,100 4 $500 Deductible 1500 9 Stucco siding yes
1947 105,000 Asphalt Shingles Roof 1,720 2 $2500-$5000 Deductible 460 8 Stone Siding No
1967 130,000 Wood Shake Roof 2,430 4 $1000-$2500 Deductible 1130 10 Vinyl siding No
1945 115,000 Slate Shingles Roof 2,430 4 $2500-$5000 Deductible 250 3 Stucco siding No
1947 115,000 Composition Roof 1,890 5 $1000-$2500 Deductible 500 5 Stone Siding yes
1946 260,000 Slate Shingles Roof 4,670 5 $5000 to $10,000 Deductible 1520 10 Fiber-Cement Siding yes
1941 170,000 Tile Roof 2,820 5 $500- $1000 Deductible 200 2 Fiber-Cement Siding yes
1968 50,000 Membrane Roof 1,000 2 $500- $1000 Deductible 250 6 Brick siding No
1940 190,000 Membrane Roof 4,100 5 $500- $1000 Deductible 1740 9 Fiber-Cement Siding No
1945 215,000 Composition Roof 3,880 5 $500- $1000 Deductible 760 7 Brick siding No
1966 195,000 Membrane Roof 4,280 5 $1000-$2500 Deductible 280 2 Stucco siding yes
1940 75,000 Composition Roof 1,150 2 $500- $1000 Deductible 390 9 Wood siding yes
1968 55,000 Composition Roof 1,210 3 $500 Deductible 100 2 Wood siding yes
1965 140,000 Shingles Roof 2,370 3 $500- $1000 Deductible 1130 10 Vinyl siding yes
1948 120,000 Tile Roof 2,230 4 $1000-$2500 Deductible 190 2 Stone Siding No

Latest Home Insurance Reviews

State Farm
Our claim was settled quickly and our premium went up a little but that was also at the time of Hurricanes and floods so they may have spread it out to everyone.
Erie Insurance
Erie has been consistently the best price for home insurance over the last 20 years; we have checked. In addition, we do not get a surcharge for our first claim as with other home insurance policies.
I am very satisfied with my homeowner's insurance.I have never had to file a claim, they went the extra mile to make sure my home is covered and I am completely confident they will assist if I do have an issue.
State Farm
I would recommend State farm because they are loyal. They have been around for years and have great customer service and quick turn around on claims. I rate them a 5. I am completely satisfied.
Homesite Insurance
I am completely satisfied with Homesite, which is my home insurance provider. They are less costly than many other companies while providing the same amount of quality.
Liberty Mutual
I think that the premium and deductibles I have are pretty much in line with other companies. I have received quotes from those other companies and they generally are around the same price, give or take a few dollars.
I suppose I have about average policy offerings. I chose this policy as it was significantly cheaper than some of the previous plans I had, though the offerings were comparable.
Farmer's Insurance
Our homeowners insurance policy has great premiums and our deductibles are reasonable compared to other insurance companies in our area.
State Farm
I thought the company was fair with their pricing and was quick to fix the issue. With State Farm the insurance costs more than other companies, but it is worth it for what you get.
Farmer's Insurance
They always greet me nicely when i come into the store to pay for my bills and such. good employees there.
Erie Insurance
One thing i do not like about my insurance company is the fact that i only hear from them when it's not for renewal.
Safeco Insurance
I have been a customer of safeco for about twenty years now and have always been completely satisfied with the level of their efficiency and service. they have always been fair and honest with me and their rates have been quite reasonable.
Our premium has doubled in the past 2 years but is still comparatively lower than premiums with other insurance companies, which is the only reason we have not switched to a different company.
State Farm
the interaction I have with state farm is great and always friendly everything I call then to ask questions my insurance needs
Erie Insurance
I like that the claims process is quick. I like that the company sends a magazine with useful information. I am happy with the friendly agents.
I enjoy the vast array of options this company has to offer from life insurance to vehicle, renters, homeowners and much more. They even offer mortgage lending and auto as well. I use them for investing as well, I have purchased both stock and mutual funds through them.
Although other companies have lower premiums, I trust this company, I’ve been with this company for years, and the rates are lower when bundled together.
Our agent Derrick was very understanding and helpful. Answered all our questions and gave us the best price.

How To Make Your Jamestown, NY Home Insurance Cheaper

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