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

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!

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 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%
Irondequoit3.82%8.87%
Brighton2.94%6.62%
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
Deductible$1,000$3,000
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
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