Best Buffalo Homeowners Insurance Quotes (2025)
Ocean Harbor Casualty, State Farm, and Nationwide offer the best homeowners insurance policies in Buffalo, New York.
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The average annual cost of insurance for homeowners in Buffalo, New York, is $1,285 for $300,000 in dwelling coverage with a $1,000 deductible — much lower than the national average of $2,584.
Unlike many areas with a high risk of extreme weather events, Buffalo has been recognized as a potential climate “haven” due to its relative lack of natural hazards.[?] This may help explain why its average cost of home insurance is lower than the state average of $2,124.
Here’s what you need to know about finding home insurance in Buffalo, New York.
Quick Facts
Home insurance in New York State costs an annual average of $2,124.
Buffalo home insurance costs $1,323 annually for a $300,000 policy with a $500 deductible.
If you own a home in Buffalo built before 1978, you should assume it has lead paint. Removal can add an additional expense.
Best home insurance companies in Buffalo
Homeowners in Buffalo have a variety of quality insurance companies to choose from. The best home insurance company for you will depend on your specific needs and budget. Here are the three top home insurance companies in Buffalo to help get your search started.
Best company for cheap rates: Ocean Harbor Casualty
Ocean Harbor Casualty
If you’re looking for the cheapest home insurance in Buffalo, check out Ocean Harbor Casualty. The insurer is headquartered in New York and offers auto and home insurance with New Yorkers in mind. To help you save even more, this insurer offers a variety of discounts, including new home, security system, and multi-tier rating discounts.
Pros
Cheapest rates in Buffalo
Specializes in coastal coverage
Cons
Quotes not available online
AM Best financial strength rating of B (Fair)
Best company for customer satisfaction: State Farm
Best company for claims satisfaction: Nationwide
Our editorial team analyzed regional and national home insurance companies that sell policies in Buffalo to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in Buffalo
Ocean Harbor Casualty offers the cheapest rates in Buffalo, with an annual average cost of $526 for $300,000 in dwelling coverage with a $1,000 deductible. The following table highlights the home insurance companies in Buffalo with the cheapest premiums.
Insurance Company  | Average Annual Premium |
|---|---|
| Ocean Harbor Casualty | $526 |
| Kingstone Insurance Company | $679 |
| State Farm | $711 |
| New York Central Mutual Fire | $828 |
| Security Mutual | $903 |
| Nationwide | $920 |
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How much is home insurance in Buffalo?
The average annual cost of home insurance in Buffalo, New York, is $1,285 for $300,000 in dwelling coverage with a $1,000 deductible. If you choose a $500 deductible, the average rate increases to $1,323 per year.
Rates can vary based on factors including your ZIP code, age of your home, the building materials used for your home, your credit information, the type of homeowners coverage you choose, and your deductible.[?]
Cost of home insurance by dwelling coverage in New York
How much dwelling coverage you need also affects the cost of your home insurance premiums. Generally, a higher coverage will result in a higher premium. Lower amounts of coverage will result in lower premiums.
The following table highlights the average annual premium for different coverage limits in New York.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $986 |
| $200,000 | $1,540 |
| $300,000 | $2,124 |
| $400,000 | $2,732 |
| $500,000 | $3,352 |
Cost of homeowners insurance by deductible amount
Your deductible is the amount you have to pay out of pocket before your insurance takes over after filing a claim. Having a higher deductible generally results in lower premiums. A lower deductible results in higher premiums, as you can see in the table below.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $1,323 |
| $1,000 | $1,285 |
Average cost of home insurance in other cities in New York
Different cities and even different ZIP codes within a city can yield varying home insurance quotes. This occurs because of different crime rates, proximity to emergency services, or because certain areas are exposed to risky weather events.
For instance, New York City homeowners tend to pay higher premiums than Buffalo homeowners due to higher property values, hurricane risk, and crime rates.
The following table highlights the average annual premiums for different cities in New York.
City | Average Annual Premium |
|---|---|
| Albany | $1,474 |
| Bronx | $2,602 |
| Brooklyn | $2,581 |
| Buffalo | $1,285 |
| Corona | $2,314 |
| Ithaca | $1,224 |
| New York City | $3,088 |
| Patchogue | $2,840 |
| Rochester | $1,190 |
| Staten Island | $2,118 |
| Yonkers | $1,813 |
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What to know about owning a home in Buffalo
If you own a home in Buffalo, it’s important to consider the risks in your area and get the proper coverage. Fortunately, due to its lack of natural disasters, Buffalo has been labeled as a potential climate “haven.” This means homeowners don’t have to worry about as many weather-related risks as some other states. But lead poisoning is a known issue for many Buffalo homeowners.
Every year, hundreds of kids younger than 6 years old are diagnosed with high levels of lead in their blood in Erie County. If your home was built before 1978, you should assume it has lead in its paint. Until 1978, lead was used to paint many of the homes in Buffalo. Chipping or peeling of lead paint can lead to unsafe levels in the house.[?]
Unfortunately, most home insurance policies exclude coverage for lead poisoning, so it’s up to homeowners to remove lead. But lawmakers have put forward legislation to try to change this.[?]
Buffalo home insurance FAQs
If you’re still looking for more information about home coverage in Buffalo, check out the following answers to some frequently asked questions.
The average cost of home insurance in Buffalo is $107 per month for a $300,000 policy with a $1,000 deductible. How much you pay for home insurance will vary based on factors including your ZIP code, credit history, the age of your home, the type of insurance, and your deductible.
Ocean Harbor Casualty offers the cheapest homeowners insurance in Buffalo, with an average annual premium of $526 for $300,000 in dwelling coverage.
The 80% rule in homeowners insurance states that you should insure your home for at least 80% of its replacement cost if you want your insurance company to fully pay out your claim.
The cost of homeowners insurance on a $350,000 house in New York is $2,428 per year. But your rate will vary based on factors like your home’s location, the type of insurance you purchase, the age of the home, your credit information, and the deductible you choose.
It depends. A standard home insurance policy covers some plumbing issues, including damage from a burst pipe or faulty water heater. Home insurance typically doesn’t cover plumbing problems due to normal wear and tear or unresolved issues, such as a leaking faucet.
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