Cheektowaga Homeowners Insurance

If you're ready for the best coverage and price

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Cheektowaga New York homeowners insurance

Cheektowaga, NY is home to multiple colleges and is the second largest suburb in the county. This town is known for its education and galleries.

When you own a home in this city of 73,232 residents, you'll want adequate coverage. An independent insurance agent can help find the policy your property needs. You can connect with a local expert in minutes. 

What Does Homeowners Insurance Cost in Cheektowaga, NY?

Home insurance needs to be affordable. Your costs are tailored to your specifications and coverage selection. Let's look at the average homeowners premium:

  • National annual average: $1,211
  • New York annual average: $1,309

The state and national averages are an idea of where your premiums could fall. Your costs could be higher or lower, depending on your risk criteria. The leading price factors used by the carriers are below:

  • Your address
  • Your credit score
  • Your insurance score
  • The coverage you select
  • The square footage of your home
  • Your claims history
  • The value of your home

Like life insurance, home insurance costs are not a one-size-fits-all approach. You'll need to have an agent run quotes based on your specifications to determine exact rates. Contact a Cheektowaga independent agent about your coverage.

Property Crime in Cheektowaga, NY and Your Premiums

Property-related crimes occur everywhere. The frequency of this activity will determine how much the carriers surcharge your insurance policies. Check out the burglaries per 100,000 households below:

  • National average: 376.00
  • New York average: 159.30
  • Cheektowaga average: 333.60

Cheektowaga is lower than the national average but higher than the state's when it comes to burglaries. Your rates could be impacted. To save on costs, consider bundling. When you bundle your home and auto insurance with the same carrier, they reward you with a considerable discount. Speak with your independent agent about cost-saving options.


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Natural Disasters in Cheektowaga, NY and Your Home

Catastrophic events can occur at any time. Your home insurance needs to be ready when disaster strikes. Let's look at the most common occurrences in New York:

  1. Severe storms and lightning
  2. Flooding and water damage
  3. Heavy snow
  4. Hurricanes and tropical storms
  5. Burglary and other property crimes

The most common risk exposures should be accounted for on your home policy. One exception is flooding. Flood insurance is a separate policy that you'll need to discuss with your independent agent. 

Flood Insurance Explained:

Floods are the second most reported property loss in New York. Your homeowners policy excludes flood damage. If you want adequate protection, you'll need separate flood insurance. 

An independent agent can quote your flood insurance through FEMA-approved carriers based on your zoning. Discuss flood options with your Cheektowaga independent agent. 

 Liability Insurance Options in Cheektowaga, NY

Liability insurance is the primary coverage of your homeowners policy. It's also the most used when a claim occurs. It protects against a variety of losses that could happen to you or a member of your household.

Liability Coverage Explained:

Personal liability insurance will protect your finances from a lawsuit arising from:

  • A pet bite claim
  • Damage to another party's property
  • Slander or bullying caused by a household member 
  • Bodily injury to another party

Another form of liability coverage is umbrella insurance. This will provide additional limits above and beyond your underlying home and auto policies. If you're not clear about whether you have enough coverage in place, contact your Cheektowaga independent insurance agent.

Match with a Local Independent Agent in Cheektowaga, NY

Your home is your largest investment, and protecting it should be top of the list. An independent insurance agent works with multiple carriers. They can save you time and money by doing the shopping for you. 

To connect with a Cheektowaga independent agent, go to They have a find-an-agent tool that will match you with a local expert in minutes. 

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