Vernon Insurance Rates:

Vernon, NY homeowners insurance is about $502 to $685, about $41-$57/month. Our extensive research reveals consumers can save upto $237 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Vernon, NY Homeowners Insurance By Home Value

Vernon, NY Home Value Total Homes % of Total Average Vernon, NY Homeowners Insurance
Less than $50,000 135 8.0% $106
$60,000 to $69,999 69 4.0% $290
$70,000 to $79,999 98 5.0% $332
$80,000 to $89,999 110 6.0% $379
$90,000 to $99,999 127 7.0% $421
$100,000 to $124,999 242 14.0% $492
$125,000 to $149,999 202 12.0% $610
$150,000 to $174,999 154 9.0% $723
$175,000 to $199,999 188 11.0% $836
$200,000 to $249,999 258 15.0% $1008
$250,000 to $299,999 39 2.0% $1233
$300,000 to $399,999 21 1.0% $1565

Top Home Insurance Agents Near Vernon, NY

Home Insurance Company Near Vernon, NY Homeowners Insurance Agency Near Vernon, NY Address
NA Ioa Northeast Inc. 126 N Salina St, Syracuse, NY, 13202
Travelers Eastern Shore Associates 401 S MAIN ST, NORTH SYRACUSE, NY, 13212
Erie Hill Insurance Agency 95 Mexico Street, Camden, NY, 13316
Travelers Parsons & Associates GALLERIES OF SYR-SUITE 704 440 SOUTH WARREN ST, SYRACUSE, NY, 13202
Travelers The Leatherstocking Group Llc 5170 WEST SENECA ST, VERNON, NY, 13479

Cost Of Homeowners Insurance By Street Near Vernon, NY

Streets in Vernon Area Homeowners Insurance Cost
E 5th St, Front St, Burke Rd, Fancett Rd, Marble Hill Rd, Wells Gifford Rd, The Trail, Filley St, E 2nd St, Hawthorne Dr$591
Circle Dr, Wentworth Dr, E 6th St, Williams St, Norton Rd, W 5th St, Peterboro Rd, E Seneca St, Stoneybrook Rd, Judson Dr$591
Potash Hill Rd, Waters Ave, Sconondoa St, Burns Rd, Van Epps St, Co Rd 10A, Marble Rd, Seneca Ave, 3rd St W, Rome Rd$590
Carrick Rd, Co Rd 12A, Co Rd 25, W 11th St, Pratt Dr, College Hill Rd, Ward St, Barrington Hill, Arquint Rd, S Sconondoa St$591
Lampman Rd, Youngs Rd, Bleeker Rd, E 8th St, Hogan Rd, State Rte 31, Houck Rd, Ottman Rd, Tannery Ln, N Sconondoa St$595

Vernon, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Vernon$88 to $91
Sherrill$88
Augusta$87
Kirkland$89

Vernon, 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
Sherrill city, New York $74 $99 $148
Oneida Castle village, New York $74 $98 $147
Westmoreland town, Oneida County, New York $74 $98 $147

Vernon, 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
Vernon, NY3.4%11.2%
Sherrill3.85%10.41%
Oneida Castle3.96%13.11%
Westmoreland4.02%9.21%

Vernon Renters Insurance as a Percentage of Rent

Vernon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 15 3.0% $797
$300 to $499 22 4.0% $1247
$500 to $749 256 58.0% $1922
$750 to $999 130 29.0% $2672
$1,000 to $1,499 15 3.0% $3797

Vernon, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Vernon Homeowner Insurance Premium Example $3,000$2,500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $15,900$14,400
Net Savings to Vernon Home Owner from High Deductible Plan $1,500

Vernon, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Vernon, NY Home Replacement Value MORE than Home Value Vernon, NY Home Replacement Value LESS than Home Value
Replacement Value $151,000 $94,000
Insurance Premium based on Replacement Value $1,375 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $18,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $350/year

Example Vernon Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyFarmers InsuranceLiberty Mutual
Monthly Premium 147140312
Year Built 196320071983
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$175000-$200000$350000-$400000
Deductible $500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 230,000 Tile Roof 2,310 4 $1000-$2500 Deductible 970 9 Wood siding No
1982 185,000 Tile Roof 2,060 4 $1000-$2500 Deductible 280 3 Vinyl siding No
2002 115,000 Composition Roof 1,260 3 $500 Deductible 520 6 Brick siding yes
2009 255,000 Composition Roof 3,370 4 $5000 to $10,000 Deductible 1800 12 Stucco siding yes
2003 330,000 Composition Roof 4,080 5 $500 Deductible 260 1 Stone Siding yes
2004 130,000 Metal Roof 1,410 3 $1000-$2500 Deductible 840 12 Stucco siding No
1987 240,000 Membrane Roof 2,900 4 $5000 to $10,000 Deductible 500 4 Stone Siding No
1968 160,000 Tile Roof 2,290 5 $500- $1000 Deductible 160 1 Brick siding yes
2001 100,000 Composition Roof 1,220 3 $500 Deductible 60 1 Stucco siding yes
1980 405,000 Membrane Roof 4,130 5 > $10,000 Deductible 560 3 Vinyl siding No
2000 215,000 Wood Shake Roof 2,410 5 > $10,000 Deductible 220 2 Vinyl siding No
1989 135,000 Tile Roof 1,990 5 $1000-$2500 Deductible 500 4 Fiber-Cement Siding yes
1946 180,000 Composition Roof 2,640 4 $5000 to $10,000 Deductible 610 5 Brick siding No
2006 235,000 Composition Roof 2,300 5 $500- $1000 Deductible 200 1 Wood siding yes
1945 415,000 Membrane Roof 4,170 5 $5000 to $10,000 Deductible 2320 10 Wood siding yes
1964 165,000 Composition Roof 2,170 4 $1000-$2500 Deductible 950 7 Vinyl siding No
1985 95,000 Shingles Roof 1,300 3 $1000-$2500 Deductible 600 8 Stucco siding yes
1989 355,000 Shingles Roof 4,410 5 $500 Deductible 2820 8 Stucco siding yes
1948 185,000 Membrane Roof 2,340 3 $5000 to $10,000 Deductible 490 5 Brick siding yes
1949 200,000 Membrane Roof 2,660 4 $1000-$2500 Deductible 1360 10 Stucco siding No
1947 150,000 Membrane Roof 1,900 4 $500 Deductible 120 1 Wood siding No
1941 270,000 Asphalt Shingles Roof 3,230 4 $5000 to $10,000 Deductible 850 7 Vinyl siding No
2008 155,000 Asphalt Shingles Roof 2,020 4 $2500-$5000 Deductible 630 7 Fiber-Cement Siding yes
1944 200,000 Shingles Roof 2,060 3 $500- $1000 Deductible 1030 6 Vinyl siding No
1966 185,000 Asphalt Shingles Roof 2,290 3 $500 Deductible 1920 9 Stucco siding No
1944 155,000 Slate Shingles Roof 1,580 3 $2500-$5000 Deductible 880 10 Brick siding No
1943 225,000 Shingles Roof 2,270 5 $2500-$5000 Deductible 270 2 Brick siding No
1966 115,000 Membrane Roof 1,580 5 $500- $1000 Deductible 670 10 Vinyl siding yes
1981 125,000 Metal Roof 1,710 3 $500 Deductible 340 4 Brick siding yes
2004 115,000 Slate Shingles Roof 1,370 3 $500 Deductible 650 6 Stucco siding yes