Richland Insurance Rates:

Richland, NY homeowners insurance is about $496 to $674, about $41-$56/month. Our comprehensive analysis shows customers can save as much as $234 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Richland, NY Homeowners Insurance By Home Value

Richland, NY Home Value Total Homes % of Total Average Richland, NY Homeowners Insurance
Less than $50,000 337 22.0% $157
$50,000 to $59,999 89 5.0% $339
$60,000 to $69,999 136 8.0% $421
$70,000 to $79,999 73 4.0% $485
$80,000 to $89,999 142 9.0% $549
$90,000 to $99,999 68 4.0% $620
$100,000 to $124,999 204 13.0% $713
$125,000 to $149,999 187 12.0% $895
$150,000 to $174,999 113 7.0% $1058
$175,000 to $199,999 78 5.0% $1222
$200,000 to $249,999 51 3.0% $1468
$250,000 to $299,999 45 2.0% $1795

Top Home Insurance Agents Near Richland, NY

Home Insurance Company Near Richland, NY Homeowners Insurance Agency Near Richland, NY Address
Allstate Associated Insurance Agency 121 Market St PO Box 275, Cape Vincent, NY, 13618
Travelers Jones & Doldo Agency Llc 171 CLINTON ST, WATERTOWN, NY, 13601
Travelers Onegroup Ny Inc 48 ALBANY ST, CAZENOVIA, NY, 13035
Allstate Richard Arthur 512 N Main St, Syracuse, NY, 13212
Travelers Richard E Jenkins Agency Inc 2944 EAST MAIN ST, PARISH, NY, 13131

Richland, 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
Pulaski village, New York $73 $97 $146
Sandy Creek town, Oswego County, New York $73 $97 $146
Oswego County, New York $73 $97 $146

Richland, 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
Richland, NY4.0%9.2%
Pulaski3.81%10.45%
Sandy Creek4.02%10.16%
Oswego County4.01%10.09%

Richland Renters Insurance as a Percentage of Rent

Richland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 52 7.0% $800
$300 to $499 135 19.0% $1250
$500 to $749 296 42.0% $1925
$750 to $999 115 16.0% $2675
$1,000 to $1,499 105 14.0% $3800

Richland, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Richland Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $12,700$11,700
Net Savings to Richland Home Owner from High Deductible Plan $1,000

Richland, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Richland, NY Home Replacement Value MORE than Home Value Richland, NY Home Replacement Value LESS than Home Value
Replacement Value $121,500 $69,500
Insurance Premium based on Replacement Value $1,075 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,500 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $250/year

Example Richland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceNationwide Insurance
Monthly Premium 904173
Year Built 197519991988
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $100000-$125000$50000-$75000$75000-$100000
Deductible $500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 105,000 Shingles Roof 1,600 2 $1000-$2500 Deductible 490 6 Stucco siding yes
1986 85,000 Composition Roof 1,410 2 $2500-$5000 Deductible 210 4 Vinyl siding No
1945 135,000 Slate Shingles Roof 2,130 4 $1000-$2500 Deductible 870 9 Wood siding No
1947 100,000 Slate Shingles Roof 1,460 3 $500 Deductible 680 8 Stucco siding No
1988 65,000 Asphalt Shingles Roof 920 2 $500 Deductible 280 5 Fiber-Cement Siding No
1993 115,000 Wood Shake Roof 1,780 3 $1000-$2500 Deductible 620 7 Fiber-Cement Siding No
1994 255,000 Wood Shake Roof 3,920 5 > $10,000 Deductible 1100 9 Vinyl siding No
1980 95,000 Asphalt Shingles Roof 1,510 2 $1000-$2500 Deductible 640 9 Fiber-Cement Siding No
1987 115,000 Composition Roof 1,760 2 $2500-$5000 Deductible 470 9 Vinyl siding No
1948 125,000 Composition Roof 1,710 3 $500 Deductible 380 4 Stucco siding yes
1994 80,000 Metal Roof 1,080 2 $1000-$2500 Deductible 710 10 Stucco siding yes
1948 105,000 Membrane Roof 2,020 4 $2500-$5000 Deductible 440 6 Brick siding yes
1973 115,000 Asphalt Shingles Roof 2,050 4 $500- $1000 Deductible 290 4 Vinyl siding No
1973 90,000 Tile Roof 1,620 3 $500 Deductible 70 1 Vinyl siding No
1977 185,000 Metal Roof 2,750 4 $500- $1000 Deductible 160 1 Stone Siding No
1995 120,000 Wood Shake Roof 1,670 3 $1000-$2500 Deductible 360 6 Fiber-Cement Siding yes
1972 125,000 Composition Roof 1,700 3 $2500-$5000 Deductible 630 7 Fiber-Cement Siding yes
1992 150,000 Slate Shingles Roof 1,940 3 $500 Deductible 740 8 Vinyl siding yes
1977 140,000 Wood Shake Roof 1,780 5 $2500-$5000 Deductible 140 2 Brick siding No
1992 145,000 Membrane Roof 2,120 3 $500- $1000 Deductible 1180 8 Stucco siding No
1970 120,000 Asphalt Shingles Roof 1,560 2 $500- $1000 Deductible 460 6 Stone Siding yes
1993 60,000 Slate Shingles Roof 990 2 $500 Deductible 370 8 Brick siding No
1947 270,000 Slate Shingles Roof 4,860 5 $500- $1000 Deductible 180 1 Stucco siding yes
1946 250,000 Composition Roof 3,380 4 > $10,000 Deductible 1020 8 Stucco siding No
1947 70,000 Composition Roof 1,290 2 $1000-$2500 Deductible 170 4 Fiber-Cement Siding No
1949 210,000 Composition Roof 2,970 4 > $10,000 Deductible 1040 9 Stone Siding No
1948 225,000 Composition Roof 3,180 4 $500- $1000 Deductible 240 2 Stone Siding No
1949 140,000 Wood Shake Roof 2,270 4 $500- $1000 Deductible 240 3 Fiber-Cement Siding No
1981 100,000 Shingles Roof 1,880 3 $2500-$5000 Deductible 370 6 Fiber-Cement Siding No
1975 100,000 Asphalt Shingles Roof 1,750 4 $500 Deductible 160 2 Stone Siding yes
1978 100,000 Wood Shake Roof 1,500 2 $1000-$2500 Deductible 260 4 Stone Siding yes
1999 200,000 Metal Roof 3,310 4 $2500-$5000 Deductible 420 3 Wood siding No
1940 220,000 Slate Shingles Roof 4,190 5 $500 Deductible 1480 8 Brick siding No
1993 235,000 Composition Roof 3,580 5 $1000-$2500 Deductible 1600 12 Fiber-Cement Siding No