Ontario Insurance Rates:

Ontario, NY homeowners insurance is approximately $508 to $688, about $42-$57/month. Our in depth analysis shows customers can save upto $239 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Ontario, NY Homeowners Insurance By Home Value

Ontario, NY Home Value Total Homes % of Total Average Ontario, NY Homeowners Insurance
Less than $50,000 286 8.0% $95
$80,000 to $89,999 115 3.0% $322
$90,000 to $99,999 136 4.0% $358
$100,000 to $124,999 527 15.0% $418
$125,000 to $149,999 469 13.0% $526
$150,000 to $174,999 587 17.0% $621
$175,000 to $199,999 346 10.0% $717
$200,000 to $249,999 463 13.0% $861
$250,000 to $299,999 259 7.0% $1052
$300,000 to $399,999 133 3.0% $1339

Top Home Insurance Agents Near Ontario, NY

Home Insurance Company Near Ontario, NY Homeowners Insurance Agency Near Ontario, NY Address
Travelers A J Pucci Associates Inc 1695 EMPIRE BLVD STE 103, WEBSTER, NY, 14580
Allstate Antonio Gimmillaro 401 Penbrooke Dr Ste L, Penfield, NY, 14526
Travelers James S Sullivan Agency Inc Po Box 50 Po Box 50, Marion, NY, 14505
Nationwide Paul S Toarmino 303 East Main Street, Avon, NY, 14414-1455
Travelers Pilaroscia Agency Inc 2509 Browncroft Blvd Ste 104 , Rochester, NY, 14625

Cost Of Homeowners Insurance By Street Near Ontario, NY

Streets in Ontario Area Homeowners Insurance Cost
Centennial Dr, Furnace Rd, Deerfield Cir, Melkerson Dr, Dean Pkwy, Co Rd 103, Alpine Dr, Mountain Laurel Ln, Vande Rd, Slocum Rd$594
Greening Ln, Hollybush Ln, Slocum Rd, Furnace Rd, Willetts Rd, Boston Rd, Rome Ln, Bailey Rd, Alyssum Ln, Brookway Cres$601
New St, Roder Pkwy, Co Rd 108, Coppersmith Trl, Holly Creek Dr, 1st Ave, Evergreen Cir, Country Club Ln, Elm Dr, Cherry Tree Dr$599
Co Rd 102, Chapman Dr, Co Rd 109, Co Rd 108, Lakeside Rd, Co Rd 102, Cortland Dr, Ida Red Ln, Byron Cir, Russett Ln$601
Creekwood Ests, Macintosh Rd, Trimble Rd, Co Rd 110, Rockledge Dr, Trillium Trl, Honeysuckle Trl, Lakeside Rd, Lanson Rd, Independence Way$594

Ontario, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ontario$89 to $91
Williamson$88
Walworth$89
Webster$90

Ontario, 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
Williamson town, Wayne County, New York $74 $98 $147
Walworth town, Wayne County, New York $75 $99 $149
Webster town, Monroe County, New York $75 $100 $150

Ontario, 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
Ontario, NY3.2%8.7%
Williamson3.77%8.55%
Walworth3.35%7.58%
Webster3.1%7.4%

Ontario Renters Insurance as a Percentage of Rent

Ontario Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 63 11.0% $795
$300 to $499 137 25.0% $1245
$500 to $749 14 2.0% $1920
$750 to $999 289 54.0% $2670
$1,000 to $1,499 31 5.0% $3795

Ontario, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Ontario Homeowner Insurance Premium Example $1,000$600
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,000$7,200
Net Savings to Ontario Home Owner from High Deductible Plan $800

Ontario, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ontario, NY Home Replacement Value MORE than Home Value Ontario, NY Home Replacement Value LESS than Home Value
Replacement Value $192,500 $118,000
Insurance Premium based on Replacement Value $2,225 $1,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,000 Risk Exposure from Under Insuring Coverage is $26,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $550/year

Example Ontario Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceChubb Group of Insurance
Monthly Premium 779495
Year Built 200519471996
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$125000-$150000$200000-$250000
Deductible $500 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1992 280,000 Shingles Roof 2,820 5 $2500-$5000 Deductible 980 8 Wood siding No
2009 145,000 Composition Roof 1,360 3 $500- $1000 Deductible 210 3 Wood siding yes
1992 205,000 Metal Roof 2,400 5 $2500-$5000 Deductible 410 4 Brick siding No
1970 215,000 Composition Roof 2,710 4 $5000 to $10,000 Deductible 1040 7 Stone Siding yes
2012 370,000 Asphalt Shingles Roof 4,290 5 $500- $1000 Deductible 1150 3 Brick siding yes
1949 170,000 Asphalt Shingles Roof 1,620 3 $500 Deductible 530 4 Wood siding yes
2000 235,000 Wood Shake Roof 2,260 3 $500- $1000 Deductible 670 4 Stucco siding No
2008 280,000 Asphalt Shingles Roof 2,540 5 $500 Deductible 970 4 Vinyl siding No
2003 240,000 Metal Roof 3,210 4 $5000 to $10,000 Deductible 1160 9 Stucco siding yes
1949 290,000 Tile Roof 3,250 5 $5000 to $10,000 Deductible 270 2 Brick siding No
1970 125,000 Metal Roof 1,600 3 $2500-$5000 Deductible 720 9 Stucco siding yes
2003 160,000 Membrane Roof 1,970 4 $500- $1000 Deductible 940 8 Stucco siding yes
2001 350,000 Slate Shingles Roof 3,300 4 $500- $1000 Deductible 960 5 Stone Siding No
2010 270,000 Membrane Roof 2,770 4 $5000 to $10,000 Deductible 600 4 Wood siding No
1942 200,000 Composition Roof 2,400 3 $2500-$5000 Deductible 610 5 Stone Siding yes
2014 445,000 Metal Roof 4,780 5 > $10,000 Deductible 1440 8 Stucco siding No
1983 240,000 Asphalt Shingles Roof 2,800 4 $500- $1000 Deductible 1790 8 Brick siding yes
2013 180,000 Composition Roof 2,000 3 $500- $1000 Deductible 610 6 Fiber-Cement Siding No
2003 315,000 Composition Roof 3,460 5 $1000-$2500 Deductible 2450 10 Wood siding No
2014 215,000 Tile Roof 2,740 4 $2500-$5000 Deductible 780 5 Wood siding yes
1993 225,000 Slate Shingles Roof 1,990 3 $5000 to $10,000 Deductible 1280 10 Vinyl siding yes
1974 225,000 Asphalt Shingles Roof 2,470 5 $500 Deductible 1160 7 Fiber-Cement Siding yes
2009 130,000 Shingles Roof 1,710 3 $500- $1000 Deductible 970 12 Stucco siding No
2009 390,000 Metal Roof 4,700 5 > $10,000 Deductible 1990 10 Brick siding yes
2000 180,000 Composition Roof 2,260 3 $500- $1000 Deductible 170 1 Stucco siding yes
1989 325,000 Composition Roof 3,510 5 > $10,000 Deductible 550 3 Stucco siding No
1943 135,000 Metal Roof 1,360 3 $500- $1000 Deductible 110 1 Stucco siding No
2010 265,000 Asphalt Shingles Roof 2,670 5 $500 Deductible 2260 10 Wood siding No
1942 135,000 Composition Roof 1,490 3 $1000-$2500 Deductible 1150 12 Fiber-Cement Siding yes
1971 195,000 Tile Roof 1,760 3 $500- $1000 Deductible 290 2 Fiber-Cement Siding yes