Lancaster Insurance Rates:

Lancaster, NY homeowners insurance is approximately $509 to $688, about $42-$57/month. Our comprehensive guide shows customers can save as much as $239 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I like that my insurance company is local. the people that i would need to talk to are people in the community and are always free to answer my calls.
Homesite Insurance
Another thing i do not like is that they have not contacted me to see how my service is or if i have any questions. this is poor customer service in my opinion.
Liberty Mutual
I like liberty mutual because they were able to offer us a competitive deal having only recently come into the country with limited credit information.
Usaa
The communication with the company is excellent. If there is a problem, they ensure they make multiple attempts via different modes to keep communication going /open.
Travelers
I feel like it's a good website because it feels very organized... Non-cluttered- and immediately intuitive to find what information you are seeking.
Aig
They don't offer any services on their website. At least, none have been offered to me. That's why I'm not satisfied with their website.
Usaa
I like how USAA is always spot on with their knowledge of insurance and their customer's insurance needs. USAA offers superior customer support to any other insurance company out there.
Allstate
Our local agent has been nothing but helpful. He has gotten back to us very quickly whenever we have had a question/issue.

Lancaster, NY Homeowners Insurance By Home Value

Lancaster, NY Home Value Total Homes % of Total Average Lancaster, NY Homeowners Insurance
Less than $50,000 249 1.0% $89
$70,000 to $79,999 349 2.0% $281
$80,000 to $89,999 684 5.0% $317
$90,000 to $99,999 861 6.0% $359
$100,000 to $124,999 2,132 16.0% $413
$125,000 to $149,999 1,391 11.0% $521
$150,000 to $174,999 1,720 13.0% $616
$175,000 to $199,999 1,258 9.0% $706
$200,000 to $249,999 1,809 14.0% $856
$250,000 to $299,999 1,168 9.0% $1042
$300,000 to $399,999 779 6.0% $1329

Top Home Insurance Agents Near Lancaster, NY

Home Insurance Company Near Lancaster, NY Homeowners Insurance Agency Near Lancaster, NY Address
NA E. T. Clauss & Co., Inc. 735 Delaware Ave, Buffalo, NY, 14209
NA Prahovic Agency 4477 Lake Shore Rd , Hamburg, NY, 14075
Travelers Hasper & Dye Inc 25 MAIN ST, BELFAST, NY, 14711
Erie The Stewart Insurance Agency 50 Main St. S, Brockport, NY, 14420
Allstate Thomas Finn 3493 Delaware Ave, Kenmore, NY, 14217

Lancaster, 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
Depew village, New York $88 $117 $176
Town Line CDP, New York $89 $119 $179
Harris Hill CDP, New York $90 $120 $180

Lancaster, 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
Lancaster, NY3.3%8.6%
Depew4.13%10.23%
Town Line3.83%9.62%
Harris Hill3.28%8.56%

Lancaster Renters Insurance as a Percentage of Rent

Lancaster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 47 1.0% $344
$200 to $299 116 3.0% $794
$300 to $499 408 12.0% $1244
$500 to $749 1,410 41.0% $1919
$750 to $999 903 26.0% $2669
$1,000 to $1,499 314 9.0% $3794
$1,500 or more 195 5.0% $5444

Lancaster, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$6,800
Yearly Lancaster Homeowner Insurance Premium Example $2,300$1,300
Out of Pocket Expense During Claim$1,800$6,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $15,600$14,600
Net Savings to Lancaster Home Owner from High Deductible Plan $1,000

Lancaster, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lancaster, NY Home Replacement Value MORE than Home Value Lancaster, NY Home Replacement Value LESS than Home Value
Replacement Value $94,500 $74,000
Insurance Premium based on Replacement Value $875 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,000 Risk Exposure from Under Insuring Coverage is $8,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Lancaster Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceGEICO Insurance
Monthly Premium 123118124
Year Built 199619771946
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$150000-$175000$300000-$350000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 245,000 Composition Roof 2,190 4 $5000 to $10,000 Deductible 570 4 Stucco siding yes
2010 180,000 Composition Roof 2,170 3 $5000 to $10,000 Deductible 440 5 Fiber-Cement Siding yes
1961 200,000 Shingles Roof 1,870 3 $2500-$5000 Deductible 620 4 Vinyl siding No
1997 330,000 Wood Shake Roof 3,450 5 $500 Deductible 2460 10 Wood siding yes
1971 175,000 Membrane Roof 1,880 4 $500 Deductible 610 5 Fiber-Cement Siding yes
2002 140,000 Tile Roof 1,530 3 $500- $1000 Deductible 440 6 Vinyl siding yes
1948 290,000 Shingles Roof 2,590 4 $500 Deductible 1890 7 Wood siding yes
2003 380,000 Wood Shake Roof 4,940 5 $5000 to $10,000 Deductible 970 5 Fiber-Cement Siding yes
1965 160,000 Shingles Roof 1,850 4 $5000 to $10,000 Deductible 300 5 Fiber-Cement Siding No
2003 170,000 Shingles Roof 1,560 3 $500- $1000 Deductible 100 1 Brick siding No
1991 180,000 Tile Roof 2,280 3 $5000 to $10,000 Deductible 1210 9 Stone Siding No
1999 345,000 Asphalt Shingles Roof 3,510 5 > $10,000 Deductible 790 6 Fiber-Cement Siding No
1949 185,000 Membrane Roof 2,290 5 $1000-$2500 Deductible 210 2 Wood siding No
2002 370,000 Tile Roof 3,420 5 $1000-$2500 Deductible 220 1 Wood siding No
1974 260,000 Tile Roof 2,510 4 $500 Deductible 600 3 Stucco siding No
2013 170,000 Metal Roof 1,790 3 $500- $1000 Deductible 790 7 Stone Siding No
1998 100,000 Slate Shingles Roof 1,290 3 $1000-$2500 Deductible 100 1 Brick siding No
1973 230,000 Tile Roof 2,840 5 $500 Deductible 900 6 Fiber-Cement Siding No
2012 260,000 Composition Roof 2,320 5 > $10,000 Deductible 1720 12 Stone Siding No
1975 320,000 Slate Shingles Roof 3,420 5 $500- $1000 Deductible 3530 12 Fiber-Cement Siding yes
1942 240,000 Slate Shingles Roof 2,230 3 > $10,000 Deductible 940 9 Brick siding No
1973 290,000 Slate Shingles Roof 3,040 4 $500- $1000 Deductible 840 3 Fiber-Cement Siding No
2005 285,000 Composition Roof 3,270 4 $2500-$5000 Deductible 2770 12 Stone Siding yes
1997 305,000 Shingles Roof 3,200 4 $500 Deductible 1510 6 Stucco siding yes
1960 130,000 Wood Shake Roof 1,560 5 $500- $1000 Deductible 260 3 Vinyl siding No