Lyons Insurance Rates:

Lyons, NY homeowners insurance is approximately $493 to $669, about $41-$55/month. Our complete research indicates shoppers can save upto $232 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lyons, NY Homeowners Insurance By Home Value

Lyons, NY Home Value Total Homes % of Total Average Lyons, NY Homeowners Insurance
Less than $50,000 343 21.0% $203
$50,000 to $59,999 147 9.0% $435
$60,000 to $69,999 301 19.0% $534
$70,000 to $79,999 74 4.0% $621
$80,000 to $89,999 208 13.0% $703
$90,000 to $99,999 97 6.0% $784
$100,000 to $124,999 238 15.0% $912
$125,000 to $149,999 45 2.0% $1138
$150,000 to $174,999 16 1.0% $1347
$175,000 to $199,999 43 2.0% $1557
$200,000 to $249,999 41 2.0% $1870
$250,000 to $299,999 20 1.0% $2289

Top Home Insurance Agents Near Lyons, NY

Home Insurance Company Near Lyons, NY Homeowners Insurance Agency Near Lyons, NY Address
Travelers Gerard P Smith Agency Inc 4 E Main St, Webster, NY, 14580
Allstate Lauren Williams 794 Spencerport Rd, Rochester, NY, 14606
Travelers Marshall & Sterling Inc. 205 SAINT PAUL ST SUITE 105, ROCHESTER, NY, 14604
Liberty Mutual Independent Terry Powell Insurance Agency 6179 STATE ROUTE 96, FARMINGTON, NY, 14425
Travelers Wells Insurance 644 E MAIN ST, PALMYRA, NY, 14522

Lyons, 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
Arcadia town, Wayne County, New York $73 $97 $146
Newark village, New York $73 $97 $146
Galen town, Wayne County, New York $73 $97 $145

Lyons, 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
Lyons, NY4.7%8.9%
Arcadia4.39%9.67%
Newark4.5%9.36%
Galen4.73%10.5%

Lyons Renters Insurance as a Percentage of Rent

Lyons Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 38 5.0% $803
$300 to $499 245 33.0% $1253
$500 to $749 199 26.0% $1928
$750 to $999 129 17.0% $2678
$1,000 to $1,499 131 17.0% $3803

Lyons, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Lyons Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,600$9,000
Net Savings to Lyons Home Owner from High Deductible Plan $600

Lyons, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lyons, NY Home Replacement Value MORE than Home Value Lyons, NY Home Replacement Value LESS than Home Value
Replacement Value $83,000 $48,500
Insurance Premium based on Replacement Value $675 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,000 Risk Exposure from Under Insuring Coverage is $18,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Lyons Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualFarmers Insurance
Monthly Premium 81156127
Year Built 196219491962
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $75000-$100000$175000-$200000$150000-$175000
Deductible $500- $1000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 55,000 Slate Shingles Roof 1,010 2 $500 Deductible 50 1 Stucco siding yes
1948 205,000 Metal Roof 3,080 4 > $10,000 Deductible 1220 10 Fiber-Cement Siding No
1962 55,000 Composition Roof 1,050 2 $500 Deductible 50 2 Stucco siding yes
1960 60,000 Shingles Roof 1,200 2 $2500-$5000 Deductible 190 4 Stucco siding yes
1941 120,000 Slate Shingles Roof 1,790 2 $500 Deductible 550 6 Fiber-Cement Siding No
1960 150,000 Wood Shake Roof 2,410 4 $2500-$5000 Deductible 780 8 Stucco siding yes
1945 115,000 Metal Roof 1,880 5 $500 Deductible 120 2 Wood siding No
1943 80,000 Shingles Roof 1,440 2 $2500-$5000 Deductible 90 2 Fiber-Cement Siding yes
1943 265,000 Slate Shingles Roof 3,920 5 $500- $1000 Deductible 170 1 Stucco siding yes
1967 140,000 Composition Roof 2,710 4 $2500-$5000 Deductible 1240 12 Stone Siding yes
1947 110,000 Membrane Roof 2,140 3 $2500-$5000 Deductible 590 9 Stone Siding No
1964 95,000 Membrane Roof 2,060 3 $500 Deductible 860 10 Wood siding No
1967 90,000 Slate Shingles Roof 1,790 4 $2500-$5000 Deductible 620 10 Fiber-Cement Siding yes