Kirkland Insurance Rates:

Kirkland, NY homeowners insurance is nearly $508 to $689, about $42-$57/month. Our thorough research reveals consumers can save upto $239 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Kirkland, NY Homeowners Insurance By Home Value

Kirkland, NY Home Value Total Homes % of Total Average Kirkland, NY Homeowners Insurance
Less than $50,000 138 6.0% $89
$50,000 to $59,999 37 1.0% $197
$60,000 to $69,999 55 2.0% $239
$70,000 to $79,999 70 3.0% $281
$80,000 to $89,999 194 8.0% $317
$90,000 to $99,999 40 1.0% $353
$100,000 to $124,999 195 8.0% $413
$125,000 to $149,999 307 14.0% $515
$150,000 to $174,999 335 15.0% $610
$175,000 to $199,999 157 7.0% $700
$200,000 to $249,999 377 17.0% $844
$250,000 to $299,999 140 6.0% $1036
$300,000 to $399,999 139 6.0% $1317

Top Home Insurance Agents Near Kirkland, NY

Home Insurance Company Near Kirkland, NY Homeowners Insurance Agency Near Kirkland, NY Address
NA Onegroup Ny, Inc. 95 Genesee St Ste 3 , New Hartford, NY, 13413
NA Thomas M Harig 7153 E Genesee St , Fayetteville, NY, 13066
Nationwide Bob Putnam Agency Inc 106 Chestnut Street, Cooperstown, NY, 13326-1405
Travelers Day Scarafile & Read Inc 125 OTSEGO ST, ILION, NY, 13357
Allstate Gregg Neish 725 Erie Blvd W, Syracuse, NY, 13204

Cost Of Homeowners Insurance By Street Near Kirkland, NY

Streets in Kirkland Area Homeowners Insurance Cost
Willow Ln, Chenango Ave N, Canterbury Dr, Snowden Hill Rd, College St, Canterbury Cir, Kellogg St, College St, Brimfield St, Mulberry St$601
Stryker Ln, Grant Rd, Franklin Ave, Murty Ave, Siedsma Ct, Homewood Dr, Pelkey Rd, Post St, Co Rd 46, Utica Rd$599
Dwight Ave, N Stafford Cir, Craig Rd, Bristol Rd, Indian Field Rd, Calvin Pl, Middle St, Welch Rd, Willow Tree Cir, Saunders Rd$593
Carlbrah Rd, Fountain View St, Co Rd 17, W Park Row, Lumbard Rd, New St, Occum Ridge Rd, Berkley Dr, Rose Ln, Brimfield St$601
Harvard Dr, Pheasant's Run, Martin Rd, Marvin St, Elliott Pl, Champion Rd, Reservoir Rd, Fancett Rd, St Marys Ave, Dwight Ave$601

Kirkland, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kirkland$89 to $92
Clark Mills$87
Marshall$88
Washington Mills$89

Kirkland, 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
Clark Mills CDP, New York $73 $97 $145
Marshall town, Oneida County, New York $74 $99 $148
Washington Mills CDP, New York $75 $99 $149

Kirkland, 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
Kirkland, NY3.2%8.9%
Clark Mills4.64%9.64%
Marshall3.51%9.22%
Washington Mills3.53%7.96%

Kirkland Renters Insurance as a Percentage of Rent

Kirkland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 37 3.0% $344
$200 to $299 14 1.0% $794
$300 to $499 64 6.0% $1244
$500 to $749 282 27.0% $1919
$750 to $999 423 41.0% $2669
$1,000 to $1,499 165 16.0% $3794
$1,500 or more 45 4.0% $5444

Kirkland, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Kirkland Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,300$5,800
Net Savings to Kirkland Home Owner from High Deductible Plan $500

Kirkland, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kirkland, NY Home Replacement Value MORE than Home Value Kirkland, NY Home Replacement Value LESS than Home Value
Replacement Value $256,000 $178,500
Insurance Premium based on Replacement Value $3,075 $2,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,000 Risk Exposure from Under Insuring Coverage is $57,500
Premium Impact Insurance cheaper by $700/year Insurance costlier by $225/year

Example Kirkland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmChubb Group of Insurance
Monthly Premium 120122231
Year Built 194719911967
Home Details 3 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $250000-$300000$200000-$250000$250000-$300000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 170,000 Wood Shake Roof 2,100 3 $2500-$5000 Deductible 1030 12 Wood siding yes
1968 115,000 Membrane Roof 1,000 2 $500- $1000 Deductible 410 5 Fiber-Cement Siding No
1972 430,000 Tile Roof 4,860 5 $500- $1000 Deductible 820 2 Stone Siding No
1961 105,000 Slate Shingles Roof 1,040 2 $500- $1000 Deductible 130 2 Stucco siding yes
1942 135,000 Membrane Roof 1,700 2 $1000-$2500 Deductible 590 9 Vinyl siding No
1961 190,000 Membrane Roof 1,790 3 $500- $1000 Deductible 940 8 Stone Siding No
1994 145,000 Shingles Roof 1,420 2 $500- $1000 Deductible 210 2 Brick siding No
1941 160,000 Membrane Roof 2,010 3 $2500-$5000 Deductible 270 3 Fiber-Cement Siding No
1972 190,000 Slate Shingles Roof 2,230 5 $500- $1000 Deductible 320 2 Wood siding No
1998 110,000 Slate Shingles Roof 1,230 2 $500 Deductible 80 1 Fiber-Cement Siding yes
1941 180,000 Slate Shingles Roof 2,090 4 $5000 to $10,000 Deductible 1110 10 Stone Siding No
1961 130,000 Metal Roof 1,130 2 $500- $1000 Deductible 620 6 Fiber-Cement Siding No
1973 140,000 Slate Shingles Roof 1,280 2 $2500-$5000 Deductible 200 2 Stucco siding yes
1943 185,000 Metal Roof 1,600 2 $500 Deductible 550 3 Fiber-Cement Siding yes
1973 185,000 Membrane Roof 1,810 3 $500 Deductible 920 6 Stone Siding No
1993 130,000 Metal Roof 1,510 5 $1000-$2500 Deductible 540 7 Brick siding No
1944 210,000 Metal Roof 2,320 4 $500- $1000 Deductible 1350 7 Brick siding yes
1948 120,000 Membrane Roof 1,480 2 $1000-$2500 Deductible 230 3 Wood siding yes
1963 195,000 Wood Shake Roof 1,740 2 $5000 to $10,000 Deductible 270 2 Fiber-Cement Siding No
1960 185,000 Wood Shake Roof 2,350 4 $2500-$5000 Deductible 1130 9 Stone Siding No
1994 110,000 Composition Roof 1,110 2 $500- $1000 Deductible 400 5 Wood siding yes
1991 335,000 Metal Roof 4,020 5 $500 Deductible 1850 9 Wood siding No
1943 240,000 Slate Shingles Roof 2,180 3 $2500-$5000 Deductible 1910 10 Wood siding yes
1940 335,000 Composition Roof 3,180 5 $5000 to $10,000 Deductible 1470 7 Brick siding yes
1963 145,000 Shingles Roof 1,760 3 $2500-$5000 Deductible 300 3 Stone Siding yes
1995 310,000 Tile Roof 3,090 5 $5000 to $10,000 Deductible 460 3 Stone Siding yes
1966 140,000 Slate Shingles Roof 1,250 2 $500- $1000 Deductible 280 3 Stone Siding No
1969 155,000 Membrane Roof 1,740 4 $500- $1000 Deductible 750 7 Brick siding yes
1973 225,000 Composition Roof 2,820 4 $1000-$2500 Deductible 1600 8 Brick siding No
1945 160,000 Membrane Roof 1,790 3 $500 Deductible 1540 12 Vinyl siding yes