West Henrietta, NY Homeowners Insurance Rate Quotes!

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Are you looking for affordable home insurance rates in West Henrietta, NY? Although price is a common factor for West Henrietta homeowners when it comes to looking for a new homeowners policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your homeowners insurance provides the protection you need for home related damages due to home fires, theft, loss or weather damage. Not a bad deal for only around $83 a month! Better coverage options doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may not realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local West Henrietta home insurance agent help you today!

LocationPremiumPer MonthShop Rates
West Henrietta$994 /yr.$83 /mo.

Facts About West Henrietta, NY

There are 20,512 people that happily call the great city of West Henrietta home. Did you know, there are 3,740 housing units in town, making the average owner occupied household size roughly 3?

The average household income in West Henrietta is around $80,300. One more great fact about West Henrietta is the average cost of a house, which is $181,200 so housing is very affordable.

Average West Henrietta Home Insurance Rates

West Henrietta homeowners have the advantage of finding very affordable home insurance rates when you compare quotes from different companies. For a basis HO-3 homeowners insurance policy, you can find rates as low as $744 per year, this would cover a home around 1,500 square feet. Higher-end homes with much larger square footage size will cost more around $1,294 per year. Most of the time, your home insurance cost is due to the replacement cost value or dwelling coverage needed to rebuild your home.

You may not know that home insurance in West Henrietta comes in a variety of types. The following types are just a few of the specific homeowners insurance types that are available:

West Henrietta, NY Home Insurance Average Premiums

Local West Henrietta, NY home insurance quotes comparison

$744 /yr.

Shows West Henrietta's lowest average rates with discounts applied.

For the city of West Henrietta, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$744 /yr.
Average Coverage:$994 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1294 /yr.

What is the average home insurance cost for a home in West Henrietta, NY?

  • • The average homeowners insurance premium paid annually for a home in West Henrietta is around $994 per year.

What does it cost on average per month for home insurance in West Henrietta, NY?

  • • Homeowners in West Henrietta pay an average cost per month around $83.00 for insurance coverage.

West Henrietta, NY Coastal Wind, Hail & Flood Information

West Henrietta is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of West Henrietta is know for it's beautiful beaches and waterways. Because Monroe County (FIPS: 36055) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in West Henrietta, NY.

West Henrietta, NY - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $0 $0
February $0 $0
March $0 $0
April $298,771 $0

Homeowners insurance will help cover the cost to repair or replace your West Henrietta home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in West Henrietta
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive West Henrietta, NY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive West Henrietta, NY rates all in one place!

Saving Money Tips on West Henrietta Home Insurance

A great way to save money on West Henrietta homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the West Henrietta area? Check out what homeowners are paying on average for New York homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
552 ft. This is the average home elevation in West Henrietta, NY

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as West Henrietta, New York.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in West Henrietta, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Monroe County.

New York Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]

West Henrietta, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in West Henrietta so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in West Henrietta, NY?

- The average square footage in West Henrietta is around 884 Sq. Ft. which would cost you around $181,200 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $181,200

Location: West Henrietta, New York (Monroe County)

Average Building Cost Per Square Foot in West Henrietta: $205 (low end)

Average Square Footage in West Henrietta: 884 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$205$181,200
Some Additional Upgrades$256$226,500
Major Home Updates or Advancements$308$271,800

The dwelling coverage is calculated by the average cost per square foot ($205) in West Henrietta, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.