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Best Buffalo Homeowners Insurance Quotes (2025)

Ocean Harbor Casualty, State Farm, and Nationwide offer the best homeowners insurance policies in Buffalo, New York.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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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.[1] 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

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$109/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$196/mo

State Farm ranks as the largest insurance company in the U.S., according to the National Association of Insurance Commissioners (NAIC). Buffalo homeowners can take advantage of a wide range of coverage options and can save with multiple discounts, including home security, roofing, and bundling discounts. 

State Farm also has an above-average customer satisfaction rating in the J.D. Power 2024 U.S. Home Insurance Study, so you should get good customer service despite this insurer’s size.

Pros

  • Above-average J.D. Power rating for customer satisfaction

  • AM Best financial strength rating of A++ (Superior)

Cons

  • Below-average J.D. Power rating for claims satisfaction

  • No live-chat feature for customer service

Best company for claims satisfaction: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$134/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$220/mo

If you want to set yourself up for a smooth claims process, consider Nationwide. The company ranks above average for claims satisfaction in the J.D. Power 2025 U.S. Property Claims Satisfaction Study. It also ranks above average for customer satisfaction. Nationwide also has a highly rated mobile app from which you can easily handle claims and billing.

Pros

  • Above-average J.D. Power claims satisfaction rating

  • Highly rated mobile app

Cons

  • Online quotes not available in all areas

  • Above-average number of complaints with the NAIC

  • 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
sort ascsort desc
Average Annual Premium
sort ascsort desc
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.[2]

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
sort ascsort desc
Average Annual Premium
sort ascsort desc
$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
sort ascsort desc
Average Annual Premium
sort ascsort desc
$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
sort ascsort desc
Average Annual Premium
sort ascsort desc
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.[3]

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.[4]

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.

Sources

  1. Be in Buffalo. "How Buffalo's Weather Is Going From Punchline to Lifeline."
  2. Department of Financial Services. "Homeowners Insurance: Understanding What Affects the Cost of Insurance."
  3. Erie County Department of Health. "Lead Poisoning Prevention."
  4. New York Senate. "Senate Bill S133."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Learn More
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Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Read Editorial Guidelines

View Full Bio

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