How much is homeowners insurance in Stafford,NY

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The average cost of homeowners insurance in Stafford is $1,404 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,100 less than the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Stafford depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Stafford, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Stafford.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Stafford.

Key takeaways

The cost of your homeowners insurance policy in Stafford can vary based on factors such as your location, the value of your home, and the coverage options you select.
American Family is the cheapest homeowners insurance company in Stafford with an average annual premium of $707.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $360 more, annually for home insurance.

How much is homeowners insurance in Stafford per month

According to Insure.com’s rate analysis, residents of Stafford pay an average of $117 per month for homeowners insurance. This is $31 less than the state average of $148 and $92 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Stafford can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Stafford

In Stafford, NY, homeowners pay an average of $1,044 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in Stafford

As per rate analysis by Insure.com, homeowners residing in Stafford typically pay an average of $1,404 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $360 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Stafford by company

Among the carriers analyzed, American Family is the cheapest homeowners insurance company in Stafford. It’s average annual rate for Stafford homeowners is $707. NYCM Insurance ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $1,051.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Stafford and prepared a list of the cheapest home insurance providers. You can find below the Stafford home insurance companies and their average annual premium.

Home insurance company	Annual rate
American Family	$707
NYCM Insurance	$814
State Farm	$1,051
Nationwide	$1,090
Travelers	$1,151
AIG	$1,399
Allstate	$1,439
Heritage Insurance Holdings	$1,520
Chubb Ltd	$1,533
Farmers	$2,495

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Stafford for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.