Syracuse Insurance Rates:

Syracuse, NY homeowners insurance is roughly $497 to $672, about $41-$56/month. Our exhaustive guide indicates shoppers can save as much as $233 by comparing multiple 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 know for a fact that other companies do have a lower premium and similar coverage. I have shopped around and discovered this, however I don't have the time nor the desire to change companies.
Ameriprise Financial
I think since I bundle with my auto insurance that I am getting a reasonable rate. When I have checked with other companies they have been similar. I like the idea of keeping my insurance with one company for convenience.
State Farm
It is clean and easy to use - some more detailed information regarding my policy and account can be challenging to find - so I prefer the website
Geico
I have never had to use my home owner insurance. I like that the cost is bundled with my car insurance and that it is inexpensive. I only have to pay one bill a month instead of two
Aaa
Sometimes the wait to speak to a representative is very long. Overall, I am happy with the customer service from my insurance company.
Erie Insurance
I've been with Eerie for quite some time. I've not had to file a claim, and I get very competitive rates because of it. They are very responsive to all of my questions and in making updates to my policies as my life changes.
Allstate
They have been good at communicating with me, and have been available when we have a claim. friendly too so good service overall, I'm pretty happy with it
Usaa
I think between the price and customer service, it will be hard to leave USAA for insurance.
Ameriprise
MOSTLY I LIKE THE PREMIUM'S THEY HAVE AVAILABLE. I ASLO LIKE THAT ANYTIME I CALL THEY ARE VERY HELPFUL AND GO OUT OF THE WAY TO EXPLAIN THE SITUATION TO ME SO THAT I FULLY UNDERSTAND.
Nationwide
I honestly can't think of anything I don't like. My local agent is my go-to person and he has been fantastic. He makes Nationwide look like the best insurances company around, I have been with them for 24 years and plan to stay with them.
Upc Insurance
I wouldn't recommend someone seek out UPC's coverage but if they were given them by default, I wouldn't speak poorly of them. I would advise them, however, to go over their policy thoroughly and make sure certain things are covered (like hurricane damage).
Erie Insurance
I would ultimately recommend this company to other people because they have been easy to work with and I am able to take care of a lot of issues using their website.
Affinity Health Plan
I am happy with the insurance company that we use. The products are limited in our area and the costs are high. They have worked with me and assisted me with any problems that have arisen. The policies offered seem to be standard for our location.
Homesite Insurance
We had a significant payout on our claim. It was handled quickly and they were always there to answer any question. It was done right
Homesite Insurance
I don't like that home site doesn't have a mobile application that I could directly go and visit
Usaa
I love the communication and responsiveness, they really do treat me really well as a customer and I would recommend them to a friend any day.
Geico
There is not much to not like, Overall the rate was a little higher than others but the name is a good brand and they have good service.
Farmer's Insurance
Farmer's insurance has a positive and professional reputation which is important to us. it's key to having a trustworthy insurance company when it comes to your home insurance.
Geico
Occasionally, if i have to make a claim they are very slow to process it. i would like to see this done faster as this gets me stressed. it gets done, but slowly.
Allstate
My insurance company was open to comparing rates, and that they are always there if i have a question, comment, or any kind of concern about my home insurance.
State Farm
I would like our premiums to stop rising because of "surrounding" claims. It has never once gone down due to the same reason which makes me a bit suspicious on if that is truly the reason. I have asked our agent and that is the reason she says and can't provide much more info than that.
State Farm
It's a pretty good premium for my house, and I have the money to spend so it works out. I would give State Farm an A rating on premium coverage.

Syracuse, NY Homeowners Insurance By Home Value

Syracuse, NY Home Value Total Homes % of Total Average Syracuse, NY Homeowners Insurance
Less than $50,000 2,845 13.0% $169
$50,000 to $59,999 1,569 7.0% $356
$60,000 to $69,999 2,594 11.0% $438
$70,000 to $79,999 2,643 12.0% $508
$80,000 to $89,999 2,738 12.0% $572
$90,000 to $99,999 2,105 9.0% $642
$100,000 to $124,999 2,512 11.0% $747
$125,000 to $149,999 1,490 6.0% $934
$150,000 to $174,999 1,194 5.0% $1103
$175,000 to $199,999 593 2.0% $1273
$200,000 to $249,999 731 3.0% $1530
$250,000 to $299,999 566 2.0% $1868
$300,000 to $399,999 268 1.0% $2376

Top Home Insurance Agents Near Syracuse, NY

Home Insurance Company Near Syracuse, NY Homeowners Insurance Agency Near Syracuse, NY Address
NA Molly Headley Agency, Division Of Eastern Shore Associates 39 W Main St, Waterloo, NY, 13165
Travelers Graduate Tenant Program 231 SALINA MEADOW PARKWAY, SYRACUSE, NY, 13221
Allstate John Dermody 3654 The Park, Cortland, NY, 13045
Travelers Satellite Agency Network Of New York Inc 3215 Seneca Tpke , Canastota, NY, 13032
State Farm Tom Salzberg 179 W Seneca St, Manlius, NY, 13104-2438

Syracuse, 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
Lyncourt CDP, New York $88 $117 $176
Onondaga County, New York $89 $118 $177
Solvay village, New York $88 $117 $176

Syracuse, 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
Syracuse, NY4.5%10.0%
Lyncourt4.21%11.21%
Onondaga County3.6%9.08%
Solvay4.18%10.56%

Syracuse Renters Insurance as a Percentage of Rent

Syracuse Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 759 2.0% $351
$200 to $299 1,512 4.0% $801
$300 to $499 3,966 12.0% $1251
$500 to $749 12,451 38.0% $1926
$750 to $999 8,139 24.0% $2676
$1,000 to $1,499 4,921 15.0% $3801
$1,500 or more 945 2.0% $5451

Syracuse, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Syracuse Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,900$9,100
Net Savings to Syracuse Home Owner from High Deductible Plan $800

Syracuse, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Syracuse, NY Home Replacement Value MORE than Home Value Syracuse, NY Home Replacement Value LESS than Home Value
Replacement Value $62,500 $43,000
Insurance Premium based on Replacement Value $625 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $9,500 Risk Exposure from Under Insuring Coverage is $10,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Syracuse Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 6211187
Year Built 195319631946
Home Details 5 Beds, 1 Baths2 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $75000-$100000$125000-$150000$75000-$100000
Deductible $500- $1000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1951 85,000 Asphalt Shingles Roof 1,430 2 $2500-$5000 Deductible 40 1 Wood siding yes
1946 115,000 Tile Roof 1,910 3 $1000-$2500 Deductible 460 6 Brick siding yes
1944 90,000 Metal Roof 1,510 5 $500- $1000 Deductible 540 7 Stucco siding No
1953 75,000 Wood Shake Roof 1,000 2 $2500-$5000 Deductible 150 4 Fiber-Cement Siding yes
1949 70,000 Composition Roof 1,100 2 $500- $1000 Deductible 430 8 Fiber-Cement Siding yes
1965 115,000 Membrane Roof 1,610 4 $500 Deductible 990 10 Fiber-Cement Siding No
1962 185,000 Metal Roof 3,400 4 $1000-$2500 Deductible 1360 9 Stucco siding No
1952 115,000 Tile Roof 1,610 4 $2500-$5000 Deductible 470 6 Fiber-Cement Siding No
1949 95,000 Membrane Roof 1,430 3 $500 Deductible 1010 9 Stucco siding No
1969 75,000 Membrane Roof 1,050 2 $500- $1000 Deductible 230 6 Stucco siding yes
1947 175,000 Metal Roof 3,110 4 $2500-$5000 Deductible 1630 12 Stucco siding No
1941 115,000 Wood Shake Roof 1,770 4 $500 Deductible 440 4 Wood siding yes
1954 120,000 Slate Shingles Roof 1,530 3 $500- $1000 Deductible 90 1 Fiber-Cement Siding No
1944 90,000 Composition Roof 1,470 3 $500- $1000 Deductible 480 6 Fiber-Cement Siding yes
1957 275,000 Slate Shingles Roof 3,540 5 > $10,000 Deductible 1440 10 Wood siding yes
1961 255,000 Shingles Roof 3,330 5 $2500-$5000 Deductible 320 2 Brick siding No
1941 130,000 Shingles Roof 2,150 4 $500 Deductible 1030 9 Stone Siding No
1959 65,000 Tile Roof 940 2 $500 Deductible 100 2 Vinyl siding yes
1963 65,000 Tile Roof 960 2 $500 Deductible 120 2 Stucco siding No
1954 75,000 Slate Shingles Roof 970 2 $500 Deductible 460 9 Stone Siding No
1963 180,000 Wood Shake Roof 2,510 4 $5000 to $10,000 Deductible 470 5 Wood siding No
1952 210,000 Tile Roof 3,770 5 $500- $1000 Deductible 760 4 Stucco siding yes
1969 150,000 Asphalt Shingles Roof 2,930 4 $500 Deductible 640 7 Fiber-Cement Siding yes
1963 170,000 Wood Shake Roof 2,350 3 $2500-$5000 Deductible 290 3 Vinyl siding No
1951 110,000 Asphalt Shingles Roof 2,190 3 $1000-$2500 Deductible 870 10 Wood siding No
1937 105,000 Asphalt Shingles Roof 1,065 3 $5000 to $10,000 Deductible 1110 7 Stucco siding yes