Riga Insurance Rates:

Riga, NY homeowners insurance is approximately $504 to $683, about $42-$56/month. Our thorough guide reveals consumers can save upto $237 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Riga, NY Homeowners Insurance By Home Value

Riga, NY Home Value Total Homes % of Total Average Riga, NY Homeowners Insurance
Less than $50,000 202 10.0% $106
$70,000 to $79,999 49 2.0% $332
$80,000 to $89,999 134 6.0% $379
$90,000 to $99,999 153 7.0% $421
$100,000 to $124,999 352 18.0% $492
$125,000 to $149,999 343 17.0% $616
$150,000 to $174,999 283 14.0% $729
$175,000 to $199,999 145 7.0% $836
$200,000 to $249,999 129 6.0% $1008
$250,000 to $299,999 106 5.0% $1233
$300,000 to $399,999 49 2.0% $1565

Top Home Insurance Agents Near Riga, NY

Home Insurance Company Near Riga, NY Homeowners Insurance Agency Near Riga, NY Address
Travelers Consolidated Agency Inc 1819 E RIDGE RD, ROCHESTER, NY, 14622
State Farm Deborah Whitt 3953 Dewey Ave, Rochester, NY, 14616-2530
Travelers Jerome M Marks Agency Llc 120 CORPORATE WOODS STE 260, ROCHESTER, NY, 14623
Travelers Kircher Insurance Agency 271 MARSH RD STE 3, PITTSFORD, NY, 14534
Travelers Quinton Insurance Protection Team 2700 Elmwood Avenue Suite B, Rochester, NY, 14618

Cost Of Homeowners Insurance By Street Near Riga, NY

Streets in Riga Area Homeowners Insurance Cost
Stearns Rd, Co Rd 182, Co Rd 157, Co Rd 202, Royce Dr, Co Rd 149, Howard Ave, Co Rd 161, W Buffalo St, Sanford Rd S$592
Co Rd 204, Greenway Blvd, Fitch St, Co Rd 194, Co Rd 192, Bus Park, Griffin Rd, Sanford Rd N, Co Rd 200, Brew Rd$594
Gilman Rd, McIntosh Rd, Co Rd 190, Chili Ave Exd, Savage Rd, Sheridan Rd, Hosmer Rd, W Side Dr, Willowbank Dr, Bangs Rd$592
Robertson Rd, Parnell Dr, Co Rd 151, Parish Rd, Fairbanks Rd, Tower Ln, Jenkins Rd, Co Rd 155, Co Rd 163, Alicia Cir$592
Ridgefield Dr, Edgewood Ln, Obrien Rd, Co Rd 153, Churchville Riga Rd, Percy Rd, Chili Riga Center Rd, Burnt Mill Rd, Betteridge Rd, Hutton Cir$593

Riga, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Riga$88 to $91
Churchville$88
Chili$89
Byron$87

Riga, 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
Churchville village, New York $89 $118 $177
Bergen town, Genesee County, New York $88 $117 $176
Wheatland town, Monroe County, New York $89 $118 $177

Riga, 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
Riga, NY3.5%9.2%
Churchville3.66%9.04%
Bergen4.11%9.18%
Wheatland3.54%8.84%

Riga Renters Insurance as a Percentage of Rent

Riga Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 15 7.0% $797
$300 to $499 53 26.0% $1247
$500 to $749 75 37.0% $1922
$750 to $999 47 23.0% $2672
$1,000 to $1,499 12 5.0% $3797

Riga, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$4,900
Yearly Riga Homeowner Insurance Premium Example $2,900$2,300
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $25,100$23,300
Net Savings to Riga Home Owner from High Deductible Plan $1,800

Riga, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Riga, NY Home Replacement Value MORE than Home Value Riga, NY Home Replacement Value LESS than Home Value
Replacement Value $157,000 $92,500
Insurance Premium based on Replacement Value $1,800 $1,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $25,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $450/year

Example Riga Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceErie Insurance
Monthly Premium 194212167
Year Built 194119801990
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$250000-$300000$250000-$300000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1948 200,000 Wood Shake Roof 2,570 4 $500 Deductible 550 3 Brick siding No
2002 210,000 Metal Roof 2,100 4 $5000 to $10,000 Deductible 330 3 Brick siding yes
2006 185,000 Tile Roof 2,090 3 $500- $1000 Deductible 910 6 Vinyl siding yes
2009 135,000 Asphalt Shingles Roof 1,700 3 $2500-$5000 Deductible 720 9 Vinyl siding No
1996 185,000 Metal Roof 2,370 4 $500- $1000 Deductible 820 6 Fiber-Cement Siding yes
1989 145,000 Membrane Roof 2,000 3 $500 Deductible 1940 12 Wood siding yes
1948 130,000 Tile Roof 1,720 4 $2500-$5000 Deductible 640 9 Brick siding No
1987 250,000 Membrane Roof 3,170 5 $500 Deductible 3240 12 Stone Siding No
1992 240,000 Composition Roof 3,610 5 $5000 to $10,000 Deductible 100 1 Wood siding No
1985 450,000 Shingles Roof 4,540 5 $2500-$5000 Deductible 920 4 Stone Siding yes
1991 315,000 Metal Roof 3,620 5 $500- $1000 Deductible 1930 7 Stone Siding No
2008 280,000 Shingles Roof 3,090 5 $5000 to $10,000 Deductible 920 5 Stone Siding No
2009 275,000 Asphalt Shingles Roof 3,210 4 $500 Deductible 980 4 Vinyl siding yes
1986 235,000 Metal Roof 3,510 5 $5000 to $10,000 Deductible 1440 12 Vinyl siding No
1942 260,000 Shingles Roof 3,270 5 $500 Deductible 2300 10 Stucco siding yes
1945 225,000 Shingles Roof 2,310 4 $500 Deductible 1440 8 Fiber-Cement Siding yes
1984 175,000 Membrane Roof 2,000 4 $5000 to $10,000 Deductible 390 7 Stucco siding No
1995 355,000 Tile Roof 4,790 5 $1000-$2500 Deductible 1490 6 Stucco siding yes
1948 170,000 Membrane Roof 2,180 5 $2500-$5000 Deductible 300 4 Brick siding yes
1989 210,000 Wood Shake Roof 2,740 4 $500 Deductible 1000 6 Fiber-Cement Siding yes
2004 185,000 Tile Roof 1,920 4 $1000-$2500 Deductible 330 3 Stucco siding yes
1997 280,000 Wood Shake Roof 3,750 5 $5000 to $10,000 Deductible 1380 9 Stone Siding No
1998 200,000 Metal Roof 2,490 5 $500 Deductible 1090 6 Stucco siding yes
1943 180,000 Shingles Roof 2,190 3 $500- $1000 Deductible 1010 9 Wood siding No
1943 240,000 Shingles Roof 3,020 4 $500 Deductible 740 4 Brick siding No
1980 185,000 Slate Shingles Roof 2,620 5 $500- $1000 Deductible 530 4 Brick siding No
1986 295,000 Slate Shingles Roof 3,720 5 $5000 to $10,000 Deductible 1810 9 Stucco siding yes
1993 180,000 Asphalt Shingles Roof 2,540 5 $5000 to $10,000 Deductible 1090 12 Fiber-Cement Siding yes
2003 105,000 Wood Shake Roof 1,510 3 $2500-$5000 Deductible 220 4 Wood siding yes
1997 225,000 Slate Shingles Roof 2,480 5 $2500-$5000 Deductible 350 3 Stone Siding No
1944 140,000 Membrane Roof 1,640 3 $2500-$5000 Deductible 480 5 Brick siding No
1989 215,000 Shingles Roof 2,950 5 $500- $1000 Deductible 1380 9 Fiber-Cement Siding No
1988 125,000 Metal Roof 1,660 4 $500 Deductible 380 4 Brick siding yes
1944 145,000 Membrane Roof 1,950 3 $500- $1000 Deductible 980 8 Stucco siding No