Rochester Insurance Rates:

Rochester, NY homeowners insurance is roughly $495 to $670, about $41-$55/month. Our in depth research shows customers can save as much as $232 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I would recommend the Farmer's Insurance we use because they have multiple companies they work with and can get the coverage at the price you need.
I have no idea how USAA compares to other providers, so I'm just giving a middle-of-the-road answer for this.
I would recommend the company to friends and family to get the savings that they need 5
I don't know all the numbers, but I looked into it at the time, and it seemed reasonable. It is not something I keep track of.
Homesite Insurance
I found them through Progressive insurance. They are really easy to deal with and they did a great job explaining all the coverages available for me. I have yet to file a claim through them. They have plenty of discounts as well
We are completely satisfied with using USAA for our home insurance and love the options, service, and pricing we have received from them.
It happened once that i overlooked or did not receive the renewal and they were too quick to cancel my resulted in an increase when i subscribed again.
I like that they do not send me a bunch of emails or call me when I don't want to be called. They onlycommunicate with mewhen it is necessary. They send me my bill through my email. If I am late on a payment they let me know that. I do not want any more or any less communication from them.
Erie Insurance
Erie good to me and my family in terms of how active they are,I would definitely recommend to anyone because their policies are considerably flexible for customers
My experience with my home insurance company has been good. We have not had to file a claim yet, but their customer support and online interface make everything easy.
State Farm
Very good experience with their cordial support and ease coverage. Besides their agents are so helpful who provide proper guidance to mitigate our risk.
They offer package deals so I can bundle it with my car insurance
Typically, they are the cheapest and most helpful provider. I like that they have offices in my state, plus their customer service is top-tier. I rate them 5 out of 5.
State Farm
Their website is easy to navigate and easy to use. this is important to me so i can easily log in, view my account, view any claims, and get the information i need without having to call.
State Farm
My insurance company is trying to charge me an arm and a leg for my coverage. it is outrageous and not right!!
State Farm
My insurance agents are always so positive and friendly! they are such a pleasure to deal with over the phone!
State Farm
Our agent is inaccessible. We talk to different people every time, they make mistakes. When our home had major damage we never even heard from our agent. The corporate people were great and it was actually a different agent, a competitor of hers, who helped us
Farmer's Insurance
I think the company is very good overall. I feel that my policy is worth what I am paying for it. I think the real reason I stay with this company is my agent as he is always on top of things and makes me feel like he is looking out for my best interests.
Narragansett Bay Insurance Company
What I dislike about the website is I can't seem to find a place where I can log on and look at my policy. It would be nice to be able to just go online and look at what is covered and what is not.
I've been with them for 13 years and at first, they were not as friendly and the receptionist was old and ugly and unpleasant to look at and not communicate with me well.
Safeco Insurance
I dislike my premium. I think it could be cheaper but I'm sure it's because of other people in my city always claiming hail damage that puts it up there.
Erie Insurance
The communications of my insurance company are positive. They regularly send a magazine with useful information.
Union Mutual
Union Mutual of Vermont has improved its website substantially over the past two years, and it is now much more user-friendly. Approximately six months ago, I had a claim, and the website helped me to easily submit photos and other documentation related to the claim. Other than my experience with the claim, I haven't used the company's website very much. I escrow my homeowners insurance with my mortgage lender, so I've never had to use the company's website to make a payment.
All the premiums I receive from other insurance companies are about the same coverage. basic coverage is all I can afford
State Farm
I don't like the way they deal with customers, they are not much known about the markets and various aspects.
I feel like I don't necessarily get the lowest rate with my company. But I feel like I'm paying for quality and customer service. I'm not just a number. It feels like they truly care about me as a customer, whereas other companies could care less if I was a customer or not.
Union Mutual
I dislike that they are so easy to work with. I would like to be able to possibly get a better insurance deal.
Wed will always recommend USAA for home insurance coverage. The customer service representatives are very easy to deal with and very thorough in making certain al of your questions have been answered and that you are pleased with your coverage.
I would definitiel recommend USAA as a provider of home insurace. The coverage is easy to understand, the agents are responsive, the rates are fair.
They offer all that we need and more. We are happy with the company because they are honest on what we actally need and do not try to upsell us all the time.
I would recommend this company for home insurance because I am completely satisfied with the customer service and policies that they offer.
National General
I have very few things that I do not like about my insurance company, but there is one, that there should be more variety of policies
National General
So far we do not have anything we dislike about National General. We have only been with them a short time and have not had to deal with them on any claims yet.
Union Mutual
everything about the company is great and I love this company and I am really willing to work with this company for a very long time
They love to sell you expensive policies that the agent explains as one way and then when you make a claim the adjuster points out that there is a rider or exclusion in the policy so they never have to actually pay.

Rochester, NY Homeowners Insurance By Home Value

Rochester, NY Home Value Total Homes % of Total Average Rochester, NY Homeowners Insurance
Less than $50,000 6,183 18.0% $186
$50,000 to $59,999 3,882 11.0% $401
$60,000 to $69,999 5,303 15.0% $494
$70,000 to $79,999 3,523 10.0% $570
$80,000 to $89,999 3,387 10.0% $651
$90,000 to $99,999 2,058 6.0% $727
$100,000 to $124,999 3,112 9.0% $843
$125,000 to $149,999 1,654 4.0% $1053
$150,000 to $174,999 1,103 3.0% $1245
$175,000 to $199,999 815 2.0% $1437
$200,000 to $249,999 882 2.0% $1728
$250,000 to $299,999 762 2.0% $2112
$300,000 to $399,999 930 2.0% $2683

Top Home Insurance Agents Near Rochester, NY

Home Insurance Company Near Rochester, NY Homeowners Insurance Agency Near Rochester, NY Address
NA Sam Hart Inc Dba Hart's Insurance Agency 3 Main St S, Perry, NY, 14530
NA Tompkins Insurance Agencies Inc (Alden) 13360 Broadway St, Alden, NY, 14004
NA Smola Consulting Llc 1 Washington St S Ste 520, Rochester, NY, 14614
Travelers Ferris Agency Inc 1460 LYELL AVE STE 700, ROCHESTER, NY, 14606
Travelers Pinnacle Insurance Agency 3255 BRIGHTON-HENRIETTA TOWN LINE RD, ROCHESTER, NY, 14623

Rochester, NY Home Insurance Agents for Top Companies

Rochester, 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
Irondequoit CDP, New York $74 $98 $147
Brighton CDP, New York $75 $100 $150
North Gates CDP, New York $74 $98 $147

Rochester, 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
Rochester, NY4.7%10.3%
North Gates4.02%10.79%

Rochester Renters Insurance as a Percentage of Rent

Rochester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 2,387 4.0% $802
$300 to $499 5,908 11.0% $1252
$500 to $749 17,349 34.0% $1927
$750 to $999 15,052 29.0% $2677
$1,000 to $1,499 8,062 15.0% $3802
$1,500 or more 1,288 2.0% $5452

Rochester, NY Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
14609 $90,900 $590
14615 $87,100 $590
14619 $73,100 $580
14613 $68,100 $580
14608 $64,200 $580
14611 $61,500 $580
14621 $57,600 $580
14605 $49,300 $580
14607 $184,900 $610
14610 $155,100 $600
14626 $136,100 $600
14612 $132,400 $600
14620 $128,900 $590
14617 $123,500 $600
14623 $115,100 $590
14622 $108,400 $590
14606 $101,300 $590

Rochester, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Rochester Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,400$10,200
Net Savings to Rochester Home Owner from High Deductible Plan $1,200

Rochester, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rochester, NY Home Replacement Value MORE than Home Value Rochester, NY Home Replacement Value LESS than Home Value
Replacement Value $92,000 $68,000
Insurance Premium based on Replacement Value $950 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,000 Risk Exposure from Under Insuring Coverage is $14,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Rochester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceGEICO Insurance
Monthly Premium 10740105
Year Built 196019491965
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$50000-$75000$200000-$250000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 120,000 Shingles Roof 2,440 4 $2500-$5000 Deductible 230 3 Wood siding yes
1945 145,000 Slate Shingles Roof 2,500 5 $500 Deductible 210 2 Brick siding yes
1964 145,000 Slate Shingles Roof 2,330 3 $1000-$2500 Deductible 1220 12 Stone Siding yes
1964 90,000 Metal Roof 1,480 2 $500 Deductible 610 7 Stone Siding yes
1943 120,000 Shingles Roof 1,740 3 $500 Deductible 1020 8 Vinyl siding yes
1948 100,000 Wood Shake Roof 1,980 3 $500- $1000 Deductible 860 9 Brick siding No
1967 205,000 Metal Roof 3,190 4 $2500-$5000 Deductible 230 2 Vinyl siding yes
1940 100,000 Wood Shake Roof 1,360 2 $500- $1000 Deductible 680 12 Stone Siding No
1964 105,000 Wood Shake Roof 1,690 3 $500 Deductible 110 1 Stone Siding No
1947 280,000 Metal Roof 4,740 5 $500- $1000 Deductible 160 1 Fiber-Cement Siding yes
1965 185,000 Tile Roof 3,200 5 $5000 to $10,000 Deductible 1490 12 Stucco siding yes
1943 85,000 Metal Roof 1,540 2 $1000-$2500 Deductible 290 6 Wood siding yes
1963 90,000 Composition Roof 1,440 3 $1000-$2500 Deductible 140 2 Stucco siding yes
1967 300,000 Wood Shake Roof 4,250 5 $2500-$5000 Deductible 1150 7 Wood siding No
1945 175,000 Tile Roof 3,100 5 $500- $1000 Deductible 520 3 Stone Siding No
1964 55,000 Tile Roof 1,100 2 $2500-$5000 Deductible 160 4 Vinyl siding No
1942 160,000 Metal Roof 2,760 4 $5000 to $10,000 Deductible 230 3 Fiber-Cement Siding yes
1943 90,000 Asphalt Shingles Roof 1,590 3 $1000-$2500 Deductible 530 9 Wood siding No
1961 100,000 Slate Shingles Roof 1,670 4 $500- $1000 Deductible 500 7 Brick siding No
1961 125,000 Wood Shake Roof 2,010 4 $500 Deductible 270 3 Stucco siding No
1965 165,000 Metal Roof 2,500 4 $500 Deductible 640 4 Vinyl siding No
1960 180,000 Tile Roof 3,290 4 $500- $1000 Deductible 900 6 Stucco siding No
1940 85,000 Metal Roof 1,610 2 $500- $1000 Deductible 740 12 Stucco siding yes
1945 100,000 Wood Shake Roof 1,780 3 $500 Deductible 130 2 Brick siding No
1967 160,000 Shingles Roof 2,430 5 $1000-$2500 Deductible 350 4 Stone Siding No
1947 125,000 Shingles Roof 1,750 3 $500 Deductible 300 4 Stone Siding No
1960 110,000 Asphalt Shingles Roof 1,600 2 $1000-$2500 Deductible 240 3 Stucco siding No
1964 75,000 Composition Roof 1,400 2 $500 Deductible 170 4 Stucco siding yes
1940 120,000 Membrane Roof 1,860 3 $500 Deductible 120 1 Vinyl siding No
1945 95,000 Membrane Roof 1,540 3 $1000-$2500 Deductible 460 8 Wood siding yes
1966 195,000 Membrane Roof 1,529 3 $5000 to $10,000 Deductible 1540 12 Vinyl siding yes

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