How Much Does Renters Insurance Cost in Rochester, NY?
Rochester pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Rochester's diversified economy.See our methodology
Renters Insurance Pricing in Rochester, NY
Rochester offers near-average pricing for renters insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 210K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Cold winters and mild summers create seasonal pricing patterns for outdoor work.
Market-specific factors matter in Rochester: established contractor market with competitive pricing.
Rochester has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Rochester vs National Average
What Affects Renters Insurance Cost in Rochester?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Rochester 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 Renters Insurance Pros in Rochester, NY
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Tips to Save on Renters Insurance in Rochester
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Rochester Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
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 Renters Insurance in Rochester
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Rochester than other cities?
Rochester'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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