Niagara Falls Insurance Rates:

Niagara Falls, NY homeowners insurance is approximately $493 to $668, about $41-$55/month. Our extensive guide reveals consumers can save as much as $232 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
USAA is difficult to recommend, because they require a US military active or retired status of yourself or a family member. That said, for anyone that meets that criteria, I always recommend USAA
Geico
You need home insurance. Geico is just your run of the mill insurance to bridge the gap. There's nothing special about them.
Usaa
I was recently involved in hurricane irma, they called me and asked how we were? i told them we evacuated and they put $700 in my account 2 days later for expenses
State Farm
If you have too many claims they will of course drop you. they do not like to pay too much in claims and they are in the habit of dropping people like crazy.
State Farm
I like the fact that my insurance company is dependable and i adore the people that work there. they go out of their way to be friendly and help me with anything i might need.
Usaa
I like how easy to navigate is the website. I can easily just login and verify the insurance coverage and what else is included in it.
Erie Insurance
I have only had to call customer service once. It was on my auto policy though. I have never contacted customer service in regard to my home policy. I had to add another vehicle to my policy, so I called to see what needed to be done. The customer service representative was very nice and helpful. We got everything done very quickly, and I did not need to do much at all.
Usaa
There are multiple methods of communication and they all work very well the only issue is when you work between departments that can be cumbersome
Usaa
The USAA customer service is top notch. I don't know is there an insurance company out there that can match USAA in terms of accommodating its members. There's a saying that "USAA members are members for life" I agree with that statement 100%. I will never leave this insurance company.
Farmer's Insurance
I have not had to use customer service yet but they seem to have very clear and useful information on their products. They have easy to use information on their auto roadside assistance.
Aaa
I would recommend AAA because they are personable, look for the best plan for your personal situation, and their membership features are better than most.

Niagara Falls, NY Homeowners Insurance By Home Value

Niagara Falls, NY Home Value Total Homes % of Total Average Niagara Falls, NY Homeowners Insurance
Less than $50,000 3,211 26.0% $209
$50,000 to $59,999 1,420 11.0% $441
$60,000 to $69,999 1,875 15.0% $551
$70,000 to $79,999 1,778 14.0% $633
$80,000 to $89,999 1,277 10.0% $720
$90,000 to $99,999 627 5.0% $807
$100,000 to $124,999 779 6.0% $935
$125,000 to $149,999 371 3.0% $1167
$150,000 to $174,999 378 3.0% $1382
$200,000 to $249,999 121 1.0% $1917

Top Home Insurance Agents Near Niagara Falls, NY

Home Insurance Company Near Niagara Falls, NY Homeowners Insurance Agency Near Niagara Falls, NY Address
NA Clarence Insurance Service 8330 Main St Williamsville, Buffalo, NY, 14221
NA Eugeni Insurance Agency, Inc. 3003 Pine Ave Niagara Falls, Niagara Falls, NY, 14301
Erie Fornes Agency Inc. 268 E Main Street, Springville, NY, 14141
Travelers Harris Hill Agency Inc 1380 French Rd Ste 3 , Depew, NY, 14043
Travelers James S Sullivan Agency Inc 53 WALNUT ST, LOCKPORT, NY, 14094

Niagara Falls, NY Home Insurance Agents for Top Companies


Niagara Falls, 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
Niagara town, Niagara County, New York $73 $97 $146
Grand Island town, Erie County, New York $75 $100 $150
Tuscarora Nation Reservation, Niagara County, New York $73 $97 $145

Niagara Falls, 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
Niagara Falls, NY4.9%10.6%
Niagara4.13%9.98%
Grand Island3.1%7.83%
Tuscarora Nation4.86%13.1%

Niagara Falls Renters Insurance as a Percentage of Rent

Niagara Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 201 2.0% $353
$200 to $299 673 7.0% $803
$300 to $499 1,999 21.0% $1253
$500 to $749 3,511 38.0% $1928
$750 to $999 1,837 19.0% $2678
$1,000 to $1,499 896 9.0% $3803
$1,500 or more 108 1.0% $5453

Niagara Falls, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Niagara Falls Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,700$8,100
Net Savings to Niagara Falls Home Owner from High Deductible Plan $600

Niagara Falls, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Niagara Falls, NY Home Replacement Value MORE than Home Value Niagara Falls, NY Home Replacement Value LESS than Home Value
Replacement Value $58,000 $38,000
Insurance Premium based on Replacement Value $625 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $7,000 Risk Exposure from Under Insuring Coverage is $13,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $75/year

Example Niagara Falls Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceLiberty Mutual
Monthly Premium 13912667
Year Built 195319671944
Home Details 5 Beds, 4 Baths4 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $175000-$200000$175000-$200000$100000-$125000
Deductible $500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1951 160,000 Tile Roof 2,480 5 $500- $1000 Deductible 900 8 Fiber-Cement Siding No
1954 85,000 Shingles Roof 1,400 3 $500 Deductible 50 1 Stucco siding yes
1949 100,000 Membrane Roof 1,980 5 $1000-$2500 Deductible 180 3 Brick siding yes
1945 105,000 Composition Roof 2,060 5 $500 Deductible 700 9 Brick siding No
1957 225,000 Metal Roof 4,240 5 $1000-$2500 Deductible 890 6 Stone Siding yes
1963 125,000 Asphalt Shingles Roof 2,190 4 $2500-$5000 Deductible 210 3 Wood siding yes
1945 125,000 Wood Shake Roof 2,240 4 $1000-$2500 Deductible 260 3 Brick siding yes
1958 165,000 Tile Roof 3,040 4 $2500-$5000 Deductible 120 1 Stucco siding No
1958 180,000 Shingles Roof 3,530 5 $500 Deductible 480 4 Stucco siding yes
1958 260,000 Tile Roof 4,250 5 $2500-$5000 Deductible 520 4 Wood siding No
1950 220,000 Membrane Roof 4,450 5 $500 Deductible 2340 12 Stucco siding yes
1961 125,000 Shingles Roof 1,880 3 $500- $1000 Deductible 90 1 Stucco siding yes
1966 130,000 Composition Roof 2,160 3 $1000-$2500 Deductible 920 12 Stucco siding yes
1943 115,000 Shingles Roof 2,240 4 $1000-$2500 Deductible 810 10 Stone Siding No
1947 125,000 Metal Roof 1,970 3 $1000-$2500 Deductible 580 6 Stone Siding No
1969 180,000 Wood Shake Roof 2,850 4 $5000 to $10,000 Deductible 330 4 Stone Siding No
1949 105,000 Shingles Roof 1,930 3 $500 Deductible 190 3 Brick siding No
1947 240,000 Tile Roof 4,960 5 > $10,000 Deductible 280 3 Vinyl siding yes
1966 140,000 Membrane Roof 2,250 4 $500 Deductible 790 7 Wood siding No
1959 50,000 Tile Roof 1,070 2 $500- $1000 Deductible 110 2 Fiber-Cement Siding yes
1947 130,000 Composition Roof 2,530 4 $500- $1000 Deductible 580 5 Vinyl siding yes
1960 70,000 Metal Roof 1,270 3 $500- $1000 Deductible 490 9 Stone Siding yes
1963 50,000 Wood Shake Roof 900 2 $500 Deductible 270 9 Stucco siding yes
1944 65,000 Metal Roof 1,200 2 $1000-$2500 Deductible 40 1 Stone Siding No
1942 60,000 Wood Shake Roof 1,300 2 $500 Deductible 140 3 Stone Siding No
1967 80,000 Composition Roof 1,440 3 $500- $1000 Deductible 120 2 Brick siding No
1968 120,000 Slate Shingles Roof 1,810 4 $500- $1000 Deductible 910 8 Stone Siding yes
1969 105,000 Asphalt Shingles Roof 1,640 5 $500 Deductible 590 10 Stone Siding yes
1960 60,000 Wood Shake Roof 1,130 2 $500 Deductible 420 8 Stucco siding yes
1954 215,000 Metal Roof 4,110 5 $500- $1000 Deductible 800 5 Stucco siding yes
1963 90,000 Wood Shake Roof 1,940 5 $1000-$2500 Deductible 770 12 Stucco siding No
1963 100,000 Membrane Roof 2,200 3 $500 Deductible 770 9 Fiber-Cement Siding yes
1944 180,000 Tile Roof 2,910 5 $5000 to $10,000 Deductible 490 6 Brick siding yes

How To Make Your Niagara Falls, NY Home Insurnace Cheaper