Rome Insurance Rates:

Rome, NY homeowners insurance is nearly $498 to $672, about $41-$56/month. Our complete analysis shows customers can save upto $234 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
Progressive home insurance is price competitive they gave us the best deal compared to other insurance companies and with still good coverage.
State Farm
One thing that i do not like about my insurance company is the fact that the closest actual branch is at least 25 minutes away. i would like there to be an actual office closer to me.
State Farm
The agent we use is very professional and friendly. we bought a home in a town 30 minutes away and he gladly came here to check the value of the home to offer home insurance to us during our home buying process.
Aflac
I enjoy using the company website primarily for paying my auto insurance premium. It is convenient and easy to navigate.
Travelers
I've always had a good experience with them, although sometimes they make innocent mistakes on my policies that end up causing headaches later on. Everyone is always very courteous.
State Farm
It's a little high but in the range. This is something that I have done some shopping but admittedly have not done full research.
Usaa
Don't really have any dislike other than I only got one option from them. They lacked a little flexibility in providing me with the choices.
State Farm
I would never change my insurance company because it is the cheapest and they also continue to lower my rate each year.

Rome, NY Homeowners Insurance By Home Value

Rome, NY Home Value Total Homes % of Total Average Rome, NY Homeowners Insurance
Less than $50,000 1,009 13.0% $163
$50,000 to $59,999 652 8.0% $345
$60,000 to $69,999 813 10.0% $427
$70,000 to $79,999 578 7.0% $491
$80,000 to $89,999 1,072 13.0% $561
$90,000 to $99,999 681 8.0% $625
$100,000 to $124,999 901 11.0% $725
$125,000 to $149,999 558 7.0% $906
$150,000 to $174,999 629 8.0% $1076
$175,000 to $199,999 285 3.0% $1240
$200,000 to $249,999 279 3.0% $1491
$250,000 to $299,999 180 2.0% $1825
$300,000 to $399,999 101 1.0% $2316

Top Home Insurance Agents Near Rome, NY

Home Insurance Company Near Rome, NY Homeowners Insurance Agency Near Rome, NY Address
Allstate Eldridge Agency Inc MAIN STREET, OLD FORGE, NY, 13420
Travelers Gates Cole Associates Inc 9 GENESEE ST, NEW BERLIN, NY, 13411
GEICO Lori Myers 2735 Erie Boulevard East, Syracuse, NY, 13224
Allstate Morris Ins Agcy 128 Main St, Morris, NY, 13808
Allstate Robert Battaglia 5099 W Genesee St, Camillus, NY, 13031

Rome, 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
Oneida County, New York $74 $98 $147
Lee town, Oneida County, New York $74 $98 $147
Westmoreland town, Oneida County, New York $74 $98 $147

Rome, 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
Rome, NY4.2%9.7%
Oneida County3.94%9.82%
Lee3.92%10.59%
Westmoreland4.02%9.21%

Rome Renters Insurance as a Percentage of Rent

Rome Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 136 2.0% $351
$200 to $299 329 6.0% $801
$300 to $499 840 15.0% $1251
$500 to $749 2,148 40.0% $1926
$750 to $999 1,299 24.0% $2676
$1,000 to $1,499 472 8.0% $3801
$1,500 or more 139 2.0% $5451

Rome, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Rome Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $8,700$7,700
Net Savings to Rome Home Owner from High Deductible Plan $1,000

Rome, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rome, NY Home Replacement Value MORE than Home Value Rome, NY Home Replacement Value LESS than Home Value
Replacement Value $109,000 $72,500
Insurance Premium based on Replacement Value $925 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,000 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $125/year

Example Rome Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceGEICO InsuranceFarmers Insurance
Monthly Premium 857172
Year Built 196119591974
Home Details 4 Beds, 3 Baths5 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $100000-$125000$125000-$150000$100000-$125000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1954 100,000 Membrane Roof 1,420 3 $2500-$5000 Deductible 140 2 Stucco siding yes
1944 90,000 Asphalt Shingles Roof 1,290 2 $2500-$5000 Deductible 520 10 Stone Siding yes
1976 125,000 Shingles Roof 2,010 3 $500 Deductible 190 2 Wood siding yes
1944 250,000 Wood Shake Roof 3,320 4 $2500-$5000 Deductible 1460 10 Wood siding yes
1968 120,000 Tile Roof 1,790 2 $1000-$2500 Deductible 580 8 Stucco siding yes
1987 190,000 Asphalt Shingles Roof 3,180 4 $5000 to $10,000 Deductible 90 1 Vinyl siding No
1970 100,000 Membrane Roof 1,630 3 $1000-$2500 Deductible 600 12 Vinyl siding No
1987 235,000 Slate Shingles Roof 3,700 5 $1000-$2500 Deductible 1390 9 Brick siding yes
1949 125,000 Tile Roof 1,710 2 $500- $1000 Deductible 1090 12 Stone Siding yes
1978 115,000 Slate Shingles Roof 1,530 3 $1000-$2500 Deductible 470 8 Brick siding No
1967 70,000 Metal Roof 1,100 2 $2500-$5000 Deductible 120 4 Wood siding No
1969 90,000 Metal Roof 1,530 2 $2500-$5000 Deductible 150 3 Stone Siding No
1964 130,000 Membrane Roof 2,230 3 $1000-$2500 Deductible 690 7 Fiber-Cement Siding yes
1958 130,000 Membrane Roof 1,830 3 $2500-$5000 Deductible 520 6 Wood siding yes
1949 135,000 Wood Shake Roof 2,160 3 $500- $1000 Deductible 470 5 Fiber-Cement Siding No
1950 100,000 Wood Shake Roof 1,400 2 $500- $1000 Deductible 290 3 Stone Siding No
1952 110,000 Shingles Roof 2,100 3 $2500-$5000 Deductible 240 3 Vinyl siding No
1984 125,000 Metal Roof 1,770 3 $2500-$5000 Deductible 910 10 Brick siding No
1964 105,000 Wood Shake Roof 1,540 2 $2500-$5000 Deductible 340 7 Stone Siding No
1961 175,000 Composition Roof 2,900 5 $1000-$2500 Deductible 800 6 Brick siding No
1984 105,000 Tile Roof 1,380 2 $500 Deductible 530 9 Stone Siding yes
1956 225,000 Tile Roof 3,330 5 > $10,000 Deductible 390 5 Vinyl siding yes
1980 150,000 Membrane Roof 2,270 5 $5000 to $10,000 Deductible 680 9 Fiber-Cement Siding No