Livonia Insurance Rates:

Livonia, NY homeowners insurance is roughly $505 to $688, about $42-$57/month. Our thorough research shows customers can save as much as $238 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Livonia, NY Homeowners Insurance By Home Value

Livonia, NY Home Value Total Homes % of Total Average Livonia, NY Homeowners Insurance
Less than $50,000 142 6.0% $95
$50,000 to $59,999 94 4.0% $208
$60,000 to $69,999 25 1.0% $262
$80,000 to $89,999 130 5.0% $340
$90,000 to $99,999 94 4.0% $382
$100,000 to $124,999 401 17.0% $441
$125,000 to $149,999 315 13.0% $555
$150,000 to $174,999 370 15.0% $656
$175,000 to $199,999 147 6.0% $758
$200,000 to $249,999 283 12.0% $907
$250,000 to $299,999 99 4.0% $1110
$300,000 to $399,999 195 8.0% $1414

Top Home Insurance Agents Near Livonia, NY

Home Insurance Company Near Livonia, NY Homeowners Insurance Agency Near Livonia, NY Address
NA Advanced Auto Insurance Agency, Inc. 1664 Dewey Ave, Rochester, NY, 14615
Liberty Mutual Independent Cleary Insurance Agency 3720 MAIN ST, WALWORTH, NY, 14568
Travelers Harts Insurance Agency 3 Main Street S, Perry, NY, 14530
Allstate James Sullivan Agy 3811 S Main St, Marion, NY, 14505
Allstate Walker & Associates 52 W Main St, Fillmore, NY, 14735

Cost Of Homeowners Insurance By Street Near Livonia, NY

Streets in Livonia Area Homeowners Insurance Cost
Cleary Rd, N Main St, Old Meadow Ct, Bald Hill Rd, Livonia Center Rd, Frances Way, Sunrise Ln, Sunset Cir, Pennsylvania Ave, Russell Dr$597
Muck Rd, Richmond Mills Rd, State Rte 15, Gray Rd, Co Rd 56, Marie Crst, Triphammer Rd, Greene Village Dr, Green Village Dr, Turtle Rock$596
D'Angelo Dr, Gateway Park, Densmore Rd, Grayshores Rd, Kathryns Way, Water St, Rochester Rd, US Hwy 20A, Bettyruth Ln, Lima-Livonia Town Line Rd$598
Stone Hill Rd, Cadyville Rd, East Ave, Hemlock Honeoye Rd, S Lima Rd, Decker Rd, Harder Rd, Linden St, Sweeteners Blvd, Commercial St$594
Graywood S, Summers St, Co Rd 41, Old Orchard Pt, Lynnewood Dr, Lakeview Cres, Bronson Hill Rd, Lakeville Park, Lakeside Dr, Co Rd 52$595

Livonia, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Livonia$89 to $91
Livonia Center$88
Conesus Lake$90
Lakeville$85

Livonia, 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
Livonia Center CDP, New York $74 $98 $147
Conesus Lake CDP, New York $75 $100 $150
Hemlock CDP, New York $74 $98 $147

Livonia, 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
Livonia, NY3.2%8.0%
Livonia Center5.14%10.14%
Conesus Lake3.16%7.67%
Hemlock3.01%9.04%

Livonia Renters Insurance as a Percentage of Rent

Livonia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 21 3.0% $795
$300 to $499 39 7.0% $1245
$500 to $749 126 23.0% $1920
$750 to $999 263 48.0% $2670
$1,000 to $1,499 72 13.0% $3795
$1,500 or more 18 3.0% $5445

Livonia, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Livonia Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,600$10,000
Net Savings to Livonia Home Owner from High Deductible Plan $600

Livonia, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Livonia, NY Home Replacement Value MORE than Home Value Livonia, NY Home Replacement Value LESS than Home Value
Replacement Value $183,000 $112,000
Insurance Premium based on Replacement Value $1,950 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,500 Risk Exposure from Under Insuring Coverage is $35,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $375/year

Example Livonia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualAmica Mutual Insurance Company
Monthly Premium 12815770
Year Built 201419481986
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$200000-$250000$150000-$175000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 175,000 Metal Roof 1,910 3 $500 Deductible 630 4 Wood siding No
1982 225,000 Slate Shingles Roof 2,780 4 $1000-$2500 Deductible 850 5 Stone Siding No
1999 250,000 Asphalt Shingles Roof 2,670 4 $5000 to $10,000 Deductible 1330 10 Fiber-Cement Siding No
1984 255,000 Wood Shake Roof 2,830 4 $500 Deductible 2240 10 Stucco siding No
2011 250,000 Shingles Roof 3,440 5 $2500-$5000 Deductible 670 6 Stucco siding yes
1943 280,000 Metal Roof 2,720 4 $1000-$2500 Deductible 1470 9 Vinyl siding yes
1991 380,000 Shingles Roof 4,400 5 $500- $1000 Deductible 1130 4 Stucco siding No
1944 360,000 Wood Shake Roof 3,360 4 $500- $1000 Deductible 3000 10 Vinyl siding yes
2011 445,000 Shingles Roof 4,670 5 $500 Deductible 1800 5 Wood siding yes
1999 285,000 Asphalt Shingles Roof 3,570 5 $500- $1000 Deductible 1180 4 Brick siding No
1991 255,000 Asphalt Shingles Roof 2,550 5 $5000 to $10,000 Deductible 1360 10 Stucco siding yes
2003 380,000 Membrane Roof 3,600 5 $1000-$2500 Deductible 2770 10 Wood siding No
1991 285,000 Tile Roof 3,180 4 $2500-$5000 Deductible 930 6 Stone Siding No
1981 225,000 Wood Shake Roof 3,040 5 $1000-$2500 Deductible 580 5 Stone Siding yes
2013 235,000 Composition Roof 2,380 3 $500- $1000 Deductible 710 3 Stone Siding yes
2010 160,000 Composition Roof 1,630 5 $2500-$5000 Deductible 740 8 Brick siding yes
1980 180,000 Shingles Roof 2,250 5 $500- $1000 Deductible 310 3 Fiber-Cement Siding yes
1995 230,000 Slate Shingles Roof 2,360 4 > $10,000 Deductible 730 8 Brick siding No
1998 145,000 Metal Roof 1,880 5 $1000-$2500 Deductible 890 12 Wood siding yes
1945 390,000 Metal Roof 4,010 5 $500 Deductible 3040 7 Stone Siding yes
1988 145,000 Membrane Roof 1,770 3 $2500-$5000 Deductible 1140 12 Stucco siding No
2012 285,000 Membrane Roof 3,220 4 $500 Deductible 330 2 Fiber-Cement Siding No
2001 525,000 Metal Roof 4,950 5 $5000 to $10,000 Deductible 1680 8 Vinyl siding yes
1944 400,000 Tile Roof 4,190 5 $1000-$2500 Deductible 1460 6 Stucco siding No
1949 90,000 Wood Shake Roof 1,220 3 $500 Deductible 350 5 Wood siding yes
2005 150,000 Composition Roof 1,860 3 $500 Deductible 1110 9 Wood siding yes
2001 255,000 Composition Roof 3,080 4 $500 Deductible 750 4 Vinyl siding No
1995 150,000 Composition Roof 1,920 3 $2500-$5000 Deductible 580 8 Stucco siding No
1991 110,000 Asphalt Shingles Roof 1,500 3 $1000-$2500 Deductible 90 1 Stone Siding No
2002 230,000 Membrane Roof 2,230 5 $500- $1000 Deductible 140 1 Fiber-Cement Siding yes
1997 205,000 Membrane Roof 2,390 5 $2500-$5000 Deductible 560 5 Stone Siding No
1994 200,000 Metal Roof 1,920 5 $2500-$5000 Deductible 1330 12 Vinyl siding No
1998 325,000 Membrane Roof 3,710 5 $2500-$5000 Deductible 170 1 Stone Siding yes
1995 410,000 Wood Shake Roof 3,860 5 $2500-$5000 Deductible 2340 10 Stone Siding No