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Find the Best Homeowners Insurance in Buffalo, NY

Home insurance protects you from monetary loss after an unexpected property-related event. It’s important to find a policy that is affordable and has the coverage you need. We researched the best homeowners insurance in Buffalo so you choose a company with low rates, reliable support and financial stability.

Compare Buffalo Homeowners Insurance

Overall satisfaction rating
  • Covers dwelling, personal property, liability and loss of use
  • Discount for bundling homeowners and pet insurance
  • Instant claim approval and payout through the app
  • Available in Buffalo and select states
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  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Buffalo
Allstate Insurance
Overall satisfaction rating
  • Multipolicy, new homebuyer and welcome discounts
  • Find coverage for your needs and budget
  • Work with a dedicated agent
  • Customer tools and resources

Custom coverage with dwelling, property, liability and medical options. Discounts for multiple policies, on-time payments, customer loyalty and more. Policies for mobile homes, home-sharing, floods and umbrella coverage.

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Overall satisfaction rating
  • Compare rates with HomeQuote Explorer
  • Standard coverage with ability to add on
  • Online quotes
  • Available in Buffalo

Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support.

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State Farm
Overall satisfaction rating
  • Easy online quote
  • Combine policies to save
  • File claims with a mobile app
  • Available in Buffalo

Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management.

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Liberty Mutual
Overall satisfaction rating
  • Add-on protection and coverage available
  • Multiple discounts available
  • Quick, free custom quote
  • Home insurance coverage calculator

Specializes in dwelling coverage and liability protection. Add-ons for hurricane, personal property and water backup coverage available. Discounts for bundled policies, new home purchases and online customers.

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  • Personalized quotes online
  • Multiple discounts available
  • Convenient policy service and claims
  • Available in Buffalo
1102 Union Rd., 1st Floor
West Seneca, NY 14224
(716) 604-0345
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Travelers Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • travelers.com/home-insurance
37 Elmwood Ave.
Buffalo, NY 14201
(716) 883-1455
Chubb Insurance
  • M-F: 8am - 4:30 pm
  • Closed Sat and Sun
  • chubb.com/us-en
361 Delaware Ave.
Buffalo, NY 14202
(716) 849-8618
Nationwide Insurance
  • M-F: 9am - 4:30pm
  • Closed Sat and Sun
  • nationwide.com
1926 Clinton St.
Buffalo, NY 14206
(716) 822-6874

How to choose homeowners insurance in Buffalo

Buffalo Skyline Image

Basic homeowners insurance in Buffalo has several different types of coverage that kick in when certain events, or perils, occur:

  • Dwelling pays for damages to your house and attached structures.
  • Personal property compensates you for loss of belongings, like electronics, clothing or furniture.
  • Personal liability protects you financially if you are sued and found legally responsible for injuries or damages to someone.
  • Loss of use covers additional living expenses during repair of your home.
  • Other structures pays for damages to detached structures, like a shed, fence or garage.
  • Medical payments pays medical bills of people hurt on your property.

When buying home insurance in Buffalo, be sure to purchase dwelling coverage in the amount of the full replacement cost of your home. Other coverage amounts are ordinarily expressed as percentages of the dwelling coverage, except for personal liability and medical payments.

How much is home insurance in Buffalo?

Homeowners insurance in Buffalo is cheaper than many places across the U.S. Expect to pay between $800 and $1,000 for a policy with $200,000 in dwelling coverage, $100,000 in liability coverage and a $1,000 deductible.

Insurers base the exact cost on not just the coverages you choose, but also other factors:

  • Age and condition of the home
  • Whether the home is made of brick or wood
  • Distance from the home to a fire department or water source
  • The claims history of the home

Even the exact area of Buffalo where you live affects cost.

Average home insurance rates in Buffalo

Neighborhood Dwelling $200,000 Dwelling $300,000
Central Business District (14211) $878 $1,319
South Buffalo (14220) $878 $1,319
Williamsville (14221) $878 $1,319
Orchard Park (14127) $706 $1,044
North Tonawanda (14120) $722 $1,074
Upper West Side (14222) $878 $1,319
University Heights (14214) $878 $1,319

Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

Whether you purchase directly from an insurance company or go through an agent, shop around to get the best rates for the coverages you want. The most popular type of policy lists only excluded perils, but be aware of different forms. Flood damage is not covered, so ask about an additional policy.

Also, take advantage of all available discounts. Homeowners insurance companies in Buffalo typically offer savings for raising your deductible, insuring both your home and car, possessing good credit or having smoke detectors or a burglar alarm.

Homeowners Insurance Reviews


Lemonade homeowners insurance is 100% digital and costs as little as $25 per month. Standard coverages include dwelling, other structures, liability, personal property, loss of use and guest medical payments. Lemonade offers its Extra Coverage with a $0 deductible for high-value items like jewelry. Use the Lemonade app to apply for a policy, file claims and get claims paid. The company’s automated “Get Discounts” feature automatically applies savings when you have in-home safety features.

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Allstate Insurance

By insuring a home with Allstate, you get access to your own agent who helps explain your policy and answers any questions about coverage. Buffalo residents can get a quote online or visit one of the many local agents. Multiple savings opportunities, including a welcome discount, are available. Most Buffalo reviewers rate Allstate highly and enjoy the personal service from area representatives.

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Buffalo homeowners can get an insurance quote with all standard coverages from Progressive, with options for add-on protection. The HomeQuote Explorer tool lets you compare rates and policies from multiple companies. Save when you bundle home insurance with car insurance, ask for a quote in advance, have home safety devices or move into a new house. Most Buffalo reviewers give good marks to Progressive for its claims handling.

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State Farm

State Farm is a leading U.S. home insurer. Visitors to the company’s website can take advantage of plenty of educational resources and tools to set up coverage. Get a quote online or speak with an agent over the phone for help with questions. State Farm offers discounts if you purchase multiple lines, install home security or use impact-resistant roofing products. Policyholders include many satisfied customers who have been with the company for years.

State Farm

Liberty Mutual

Liberty Mutual home insurance comes with coverages for dwelling, personal possessions, liability and additional living expenses, with add-ons available for valuables and water backup. Get a quote online or by calling the company directly and find out about discounts for protective devices, being a new homeowner or bundling policies. Customers say Liberty Mutual has fair prices and strong customer service.

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GEICO has affordable home insurance with the coverage you need. The company makes it easy to set up and service a policy. Get a quote online and learn about discounts for having smoke alarms and home security systems or for insuring a car as well. GEICO gets positive reviews for saving customers money and providing fast claims processing.