Sidney Insurance Rates:

Sidney, NY homeowners insurance is nearly $496 to $672, about $41-$56/month. Our complete guide indicates shoppers can save upto $233 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Sidney, NY Homeowners Insurance By Home Value

Sidney, NY Home Value Total Homes % of Total Average Sidney, NY Homeowners Insurance
Less than $50,000 340 20.0% $169
$50,000 to $59,999 98 5.0% $356
$60,000 to $69,999 135 8.0% $443
$70,000 to $79,999 135 8.0% $513
$80,000 to $89,999 273 16.0% $584
$90,000 to $99,999 140 8.0% $654
$100,000 to $124,999 193 11.0% $753
$125,000 to $149,999 89 5.0% $946
$150,000 to $174,999 97 5.0% $1115
$175,000 to $199,999 36 2.0% $1290
$200,000 to $249,999 69 4.0% $1547
$250,000 to $299,999 38 2.0% $1892
$300,000 to $399,999 17 1.0% $2406

Top Home Insurance Agents Near Sidney, NY

Home Insurance Company Near Sidney, NY Homeowners Insurance Agency Near Sidney, NY Address
NA Mang Insurance Agency, Llc (Hamilton) 50 Utica St, Hamilton, NY, 13346
Liberty Mutual Cindy Baxter 4104 Old Vestal Road, Vestal, NY, 13850
State Farm Dan Ricci Jr 70 Lathrop Street, Montrose, PA, 18801-0313
Travelers Prl Associates Llc 110 GRANT AVE, ENDICOTT, NY, 13760
Nationwide Vincent Gance 9 Washington Ave, Endicott, NY, 13760-5304

Sidney, 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
Unadilla town, Otsego County, New York $73 $97 $146
Masonville town, Delaware County, New York $74 $98 $147
Franklin town, Delaware County, New York $75 $99 $149

Sidney, 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
Sidney, NY4.5%9.9%
Unadilla4.49%11.73%
Masonville4.0%11.02%
Franklin4.16%10.7%

Sidney Renters Insurance as a Percentage of Rent

Sidney Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 11 1.0% $351
$200 to $299 22 3.0% $801
$300 to $499 177 24.0% $1251
$500 to $749 273 38.0% $1926
$750 to $999 190 26.0% $2676
$1,000 to $1,499 38 5.0% $3801

Sidney, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$3,700
Yearly Sidney Homeowner Insurance Premium Example $2,800$2,300
Out of Pocket Expense During Claim$700$3,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $23,100$22,100
Net Savings to Sidney Home Owner from High Deductible Plan $1,000

Sidney, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sidney, NY Home Replacement Value MORE than Home Value Sidney, NY Home Replacement Value LESS than Home Value
Replacement Value $96,000 $62,000
Insurance Premium based on Replacement Value $825 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $200/year

Example Sidney Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceErie InsuranceState Farm
Monthly Premium 6710690
Year Built 194719601950
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 2 Baths
Coverage Amount $75000-$100000$200000-$250000$100000-$125000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Sidney, 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 110,000 Asphalt Shingles Roof 1,920 3 $500- $1000 Deductible 780 9 Stone Siding No
1984 85,000 Membrane Roof 1,330 3 $500 Deductible 540 9 Fiber-Cement Siding yes
1996 70,000 Composition Roof 910 2 $500 Deductible 580 7 Wood siding yes
1989 270,000 Metal Roof 4,210 5 $1000-$2500 Deductible 830 6 Vinyl siding yes
1949 100,000 Composition Roof 1,690 4 $500 Deductible 520 5 Stone Siding No
1990 130,000 Composition Roof 1,970 5 $500 Deductible 420 4 Wood siding yes
1981 110,000 Wood Shake Roof 1,530 2 $2500-$5000 Deductible 360 7 Wood siding No
1945 135,000 Wood Shake Roof 2,310 4 $500- $1000 Deductible 270 3 Brick siding No
1999 100,000 Membrane Roof 1,850 4 $500 Deductible 160 2 Stucco siding No
1986 100,000 Slate Shingles Roof 1,350 2 $500- $1000 Deductible 250 3 Wood siding No
1990 105,000 Metal Roof 1,910 4 $2500-$5000 Deductible 730 12 Stone Siding No
1960 85,000 Tile Roof 1,520 2 $2500-$5000 Deductible 90 2 Wood siding No
1985 160,000 Tile Roof 2,270 3 $2500-$5000 Deductible 690 7 Fiber-Cement Siding No
1969 190,000 Slate Shingles Roof 2,480 4 $5000 to $10,000 Deductible 590 7 Stone Siding No
1999 105,000 Metal Roof 1,650 4 $500- $1000 Deductible 230 4 Vinyl siding No
1951 65,000 Composition Roof 1,240 3 $500 Deductible 250 3 Stucco siding No
1996 105,000 Tile Roof 1,580 5 $1000-$2500 Deductible 250 4 Brick siding No
1948 125,000 Tile Roof 1,780 2 $500- $1000 Deductible 100 1 Wood siding yes
1995 65,000 Tile Roof 1,200 3 $500 Deductible 620 12 Stucco siding No
1998 160,000 Slate Shingles Roof 2,200 4 $500 Deductible 1270 8 Brick siding yes
1944 120,000 Metal Roof 1,790 3 $1000-$2500 Deductible 550 9 Fiber-Cement Siding No
1996 140,000 Asphalt Shingles Roof 2,390 3 $2500-$5000 Deductible 70 1 Vinyl siding yes
1949 165,000 Wood Shake Roof 2,320 3 $500 Deductible 190 1 Stucco siding yes
1990 145,000 Tile Roof 2,690 5 $1000-$2500 Deductible 1560 12 Stucco siding yes
1952 170,000 Membrane Roof 2,290 3 $2500-$5000 Deductible 1130 10 Stone Siding No
1961 155,000 Membrane Roof 2,180 4 $2500-$5000 Deductible 1050 9 Vinyl siding No
1952 55,000 Metal Roof 1,000 2 $500 Deductible 320 6 Stucco siding yes
1956 80,000 Wood Shake Roof 1,350 2 $500- $1000 Deductible 300 8 Brick siding No
1989 105,000 Metal Roof 1,650 3 $2500-$5000 Deductible 500 7 Fiber-Cement Siding No
1999 65,000 Composition Roof 1,000 2 $500 Deductible 50 1 Stucco siding No
1982 145,000 Shingles Roof 2,200 4 $500- $1000 Deductible 440 5 Fiber-Cement Siding yes
1940 135,000 Composition Roof 1,840 4 $1000-$2500 Deductible 1260 12 Stone Siding No
1958 115,000 Tile Roof 1,530 2 $500 Deductible 1000 12 Vinyl siding yes
1989 115,000 Wood Shake Roof 2,240 4 $2500-$5000 Deductible 1000 12 Vinyl siding No