Lysander Insurance Rates:

Lysander, NY homeowners insurance is about $510 to $691, about $42-$57/month. Our in depth guide indicates shoppers can save as much as $240 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
Geico pays claims promptly. when you submit a claim they investigate it and if they need to pay they will do so.
State Farm
There was one time i filed a claim and it was denied and they couldn’t verify that the damage was covered by my policy.
Allstate
One thing i like about my insurance company is that i personally know my agent. he is a family friend and i trust him.
Erie Insurance
They pretty much leave me alone. No junk mail, no emails, no phone calls. The less contact with any insurance company, the better, at least in my opinion.
Aaa
I have the option to call or chat or email them which is nice. I have has experience with almost all of them and each one has got the information I need and effectiveness.
Liberty Mutual
Two years ago we had a claim on our policy from a water leak. They were prompt, professional and courteous through the whole thing. We were very satisfied with the results of the claim.

Lysander, NY Homeowners Insurance By Home Value

Lysander, NY Home Value Total Homes % of Total Average Lysander, NY Homeowners Insurance
Less than $50,000 147 2.0% $84
$60,000 to $69,999 203 3.0% $228
$70,000 to $79,999 98 1.0% $264
$80,000 to $89,999 308 4.0% $294
$90,000 to $99,999 321 4.0% $330
$100,000 to $124,999 877 13.0% $384
$125,000 to $149,999 921 14.0% $480
$150,000 to $174,999 673 10.0% $570
$175,000 to $199,999 439 6.0% $661
$200,000 to $249,999 1,071 16.0% $793
$250,000 to $299,999 696 10.0% $967
$300,000 to $399,999 669 10.0% $1232

Top Home Insurance Agents Near Lysander, NY

Home Insurance Company Near Lysander, NY Homeowners Insurance Agency Near Lysander, NY Address
NA Venture Agency Group Incorporated 7496 Oswego Road , Liverpool, NY, 13090
State Farm David Mooney 1111 Triphammer Rd, Ithaca, NY, 14850-2512
Travelers Geneva Insurance Agency 790 A PRE-EMPTION ROAD, GENEVA, NY, 14456
Nationwide James P Martin 8181 Turin Rd, Rome, NY, 13440-1911
State Farm Paul Crisafulli 210 Oneida St, Fulton, NY, 13069-1229

Lysander, 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
Baldwinsville village, New York $74 $99 $148
Van Buren town, Onondaga County, New York $74 $98 $147
Village Green CDP, New York $73 $97 $146

Lysander, 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
Lysander, NY3.0%7.5%
Baldwinsville3.61%8.42%
Van Buren4.08%9.96%
Village Green4.35%9.09%

Lysander Renters Insurance as a Percentage of Rent

Lysander Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 56 3.0% $343
$200 to $299 180 12.0% $793
$300 to $499 155 10.0% $1243
$500 to $749 390 26.0% $1918
$750 to $999 304 20.0% $2668
$1,000 to $1,499 364 24.0% $3793
$1,500 or more 44 2.0% $5443

Lysander, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$3,900
Yearly Lysander Homeowner Insurance Premium Example $2,700$2,100
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $22,500$20,700
Net Savings to Lysander Home Owner from High Deductible Plan $1,800

Lysander, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lysander, NY Home Replacement Value MORE than Home Value Lysander, NY Home Replacement Value LESS than Home Value
Replacement Value $168,000 $101,500
Insurance Premium based on Replacement Value $1,800 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $375/year

Example Lysander Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 103278239
Year Built 198819661944
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$350000-$400000$350000-$400000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 195,000 Asphalt Shingles Roof 2,010 3 $500- $1000 Deductible 570 4 Wood siding No
1980 270,000 Wood Shake Roof 2,720 5 $2500-$5000 Deductible 450 3 Wood siding yes
1968 155,000 Shingles Roof 1,520 3 $2500-$5000 Deductible 450 5 Stucco siding yes
2014 225,000 Metal Roof 1,990 5 $500 Deductible 1230 8 Fiber-Cement Siding yes
1961 155,000 Metal Roof 1,450 3 $2500-$5000 Deductible 350 3 Stucco siding yes
2009 235,000 Membrane Roof 2,910 4 $1000-$2500 Deductible 220 1 Stucco siding yes
2002 160,000 Metal Roof 1,860 3 $500 Deductible 780 7 Stone Siding yes
1946 215,000 Wood Shake Roof 2,340 4 > $10,000 Deductible 430 5 Vinyl siding yes
2012 250,000 Tile Roof 2,880 4 $2500-$5000 Deductible 450 3 Brick siding yes
2014 420,000 Slate Shingles Roof 3,800 5 > $10,000 Deductible 400 3 Fiber-Cement Siding yes
1988 380,000 Metal Roof 4,080 5 $2500-$5000 Deductible 830 3 Fiber-Cement Siding No
2004 190,000 Shingles Roof 1,740 5 $2500-$5000 Deductible 1670 12 Stucco siding yes
1945 215,000 Tile Roof 2,080 4 $2500-$5000 Deductible 640 4 Fiber-Cement Siding yes
2006 255,000 Wood Shake Roof 2,370 3 $2500-$5000 Deductible 480 4 Stone Siding yes
1984 265,000 Membrane Roof 3,240 5 $2500-$5000 Deductible 650 4 Brick siding No
2010 205,000 Membrane Roof 2,200 3 $5000 to $10,000 Deductible 680 7 Vinyl siding No
1965 255,000 Asphalt Shingles Roof 2,590 5 $500 Deductible 1140 5 Brick siding No
1942 170,000 Composition Roof 2,110 5 $5000 to $10,000 Deductible 1620 12 Stucco siding yes
2014 340,000 Shingles Roof 3,160 4 > $10,000 Deductible 680 5 Stone Siding No
1986 165,000 Composition Roof 1,940 3 $1000-$2500 Deductible 780 7 Stone Siding yes
1987 200,000 Asphalt Shingles Roof 2,080 4 $5000 to $10,000 Deductible 390 3 Brick siding No
2010 170,000 Wood Shake Roof 2,050 3 $5000 to $10,000 Deductible 620 8 Stucco siding yes
2003 410,000 Composition Roof 4,610 5 > $10,000 Deductible 1910 9 Fiber-Cement Siding No
1988 180,000 Composition Roof 1,760 5 $500- $1000 Deductible 880 7 Vinyl siding yes
1965 155,000 Shingles Roof 1,370 3 $500 Deductible 600 5 Wood siding No
1966 260,000 Shingles Roof 2,280 4 $500 Deductible 620 3 Fiber-Cement Siding No