In Syracuse, Chubb provides the best overall home insurance value, while Travelers offers the most affordable coverage. Travelers has the lowest premium at $1,093 per year.
Cheap Home Insurance in Syracuse
Updated: June 8, 2025
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Key Takeaways
For homeowners in Syracuse, Chubb provides the best overall value, while Travelers delivers the most affordable coverage at $1,093 annually.
On average, home insurance in Syracuse costs $102 per month or $1,227 per year.
Decide how much coverage you need, research insurers, and get multiple quotes to find the right home insurance in the area.
Best Cheap Home Insurance Companies in Syracuse
| Chubb | 94 | $109 | $1,312 |
| State Farm | 90 | $91 | $1,095 |
| Travelers | 83 | $91 | $1,093 |
| Nationwide | 83 | $95 | $1,144 |
| Main Street America | 69 | $124 | $1,490 |
*Rates are for a 2,500-square-foot home built in 2000, with $250,000 of dwelling coverage and a $1,000 deductible.
How Much Does Syracuse Home Insurance Cost?
Home insurance costs in Syracuse vary based on your personal profile, chosen coverage and home details. The companies we analyzed have annual premiums ranging from $1,093 to $1,490. Compare personalized rates below, taking into account your home's age and preferred coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $50 | $598 |
How to Get the Best Cheap Home Insurance in Syracuse
Finding affordable home insurance in Syracuse can be tough, so here's a step-by-step guide to help you find the best and most affordable homeowners insurance for your needs.
- 1
Decide on coverage beforehand
Determine your home insurance coverage needs so you can compare quotes easily and avoid being oversold by agents.
- 2
Research cost and discounts
Researching average home insurance costs in New York for your city and profile can help you gauge how much you save with any provider. Understanding what discounts you may qualify for will help you find companies that offer them.
- 3
Compare company offerings and reputations
Beyond cost research, you need to understand what add-on coverages companies offer and their reputations for processing claims, agent service, policy management and buying processes. Helpful resources include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4
Compare many quotes through multiple means
Comparing multiple quotes side by side will help you understand who offers the best option for you. Pricing varies depending on where you get your quote, so use online tools, independent agents and captive agents to ensure you get the lowest price.
Best Home Insurance in Syracuse: Bottom Line
Chubb, State Farm and Travelers are Syracuse's best and cheapest home insurance providers. While these are our recommendations, research and compare multiple quotes to secure the best deal.
Syracuse Home Insurance: FAQ
Below, you'll find answers to common questions about home insurance in Syracuse.
Who offers the best home insurance in Syracuse?
Our top pick for home insurance in Syracuse is Chubb, known for strong customer service, competitive rates and diverse coverage options. Also consider State Farm, Travelers, Nationwide and Main Street America.
Who has the cheapest home insurance in Syracuse?
Travelers provides the most affordable home insurance for the average homeowner, costing about $91 per month or $1,093 per year. Rates can vary widely, though, depending on coverage level and home characteristics.
What does home insurance cost in Syracuse?
The companies we analyzed offer home insurance in Syracuse for $1,093 to $1,490 annually, a range influenced by property age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Syracuse
MoneyGeek analyzed home insurance premiums from 10 companies in Syracuse. Quadrant provided the data in partnership with us. J.D. Power surveys provided the customer satisfaction scores we used in this study. We collected quotes for a home with varying coverage levels to calculate affordability scores.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000 and liability coverage of $100,000. All policies had the same deductible of $1,000.
We also collected other quotes for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.