How Much Does Homeowners Insurance Cost in Syracuse, NY?
Syracuse pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Syracuse's diversified economy.See our methodology
Homeowners Insurance Pricing in Syracuse, NY
Syracuse is one of the more affordable markets for homeowners insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 145K-population metro area is straightforward.
Local climate plays a direct role in homeowners insurance costs here. Cold winters and mild summers create seasonal pricing patterns for outdoor work.
Market-specific factors matter in Syracuse: established contractor market with competitive pricing.
Syracuse has moderate permitting requirements. Depending on the scope of your homeowners insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Syracuse vs National Average
What Affects Homeowners Insurance Cost in Syracuse?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
Syracuse Market Conditions
established contractor market with competitive pricing
Local Climate Impact
cold winters and mild summers create seasonal pricing patterns for outdoor work
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Top-Rated Homeowners Insurance Pros in Syracuse, NY
4 providersHeritage HVAC Solutions
⭐ PREMIUMServing Syracuse and surrounding areas since 2010. Licensed, insured, and committed to quality workmanship at fair prices.
Premier Home Services
Apex Electrical
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Tips to Save on Homeowners Insurance in Syracuse
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Syracuse Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $134 | — |
| 2021 | $140 | +4.5% |
| 2022 | $149 | +6.4% |
| 2023 | $153 | +2.7% |
| 2024 | $158 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Syracuse
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Why does homeowners insurance cost different in Syracuse than other cities?
Syracuse's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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