Cheapest & Best Renters Insurance In Rochester 2025
If you’re in Rochester and looking for affordable renters insurance, Allstate has some of the lowest prices—plans start at around $8 a month. Still, in my opinion, Chubb stands out as the top choice overall.
We’ve saved shoppers an average of $200 per year on their renters insurance.
In Rochester, Allstate provides the most budget-friendly renters insurance, with rates averaging just $8 per month. But if you’re after stronger coverage and top-tier service, Chubb is the better pick. Although it costs more—around $26 a month—it delivers broader and more reliable protection.
Rochester sees more than 10,000 property crimes each year, meaning about 1 in every 20 residents is impacted. With stats like these, renters insurance isn’t just a good idea—it’s a smart way to protect your personal belongings and gain peace of mind.
Cheapest Renters Insurance Companies In Rochester
If you’re looking to save on renters insurance in Rochester, Allstate has the most affordable rates, with an average monthly cost of about $8. To make your decision easier, here’s a comparison of the five cheapest providers in the area.
| Company | Average Monthly Cost |
| State Farm | $10 |
| Allstate | $8 |
| NYCM | $11 |
| Travelers | $12 |
| Utica National | $9 |
Best Renters Insurance Companies In Rochester
Allstate is a solid pick for renters who want to keep costs low, but the most affordable plan isn’t always the most reliable when it comes to coverage. Personally, I think Chubb is the top renters insurance provider in Rochester. It not only offers strong coverage and plenty of add-on options to tailor your policy but also stands out for its exceptional customer service. In fact, Chubb receives fewer customer complaints than any other insurer in the area.
| Company | Average Monthly Cost |
| NYCM | $11 |
| Chubb | $26 |
| Naitonwide | $19 |
| USAA | $20 |
| American Family | $23 |
Average Cost Of Renters Insurance In Rochester
On average, renters in Rochester spend about $22 a month—or $264 annually—on renters insurance. However, your individual rate can vary based on things like your coverage amount, where you live, your chosen deductible, and how each insurer calculates pricing. Below is a comparison of average rates from five top providers in the region.
| Company | Average Monthly Cost |
| Naitonwide | $22 |
| USAA | $23 |
| NYCM | $14 |
| Chubb | $28 |
| American Family | $25 |
Average Cost Of Renters Insurance In Rochester By Deductible
A deductible is the portion of a claim you’re responsible for paying before your renters insurance kicks in. Choosing a higher deductible can lower your monthly premium, while a lower deductible usually means you’ll pay more each month. The table below outlines average renters insurance costs in Rochester at various deductible amounts.
| Deductible Amount | Average Monthly Cost |
| $250 | $22 |
| $500 | $21 |
| $1,000 | $19 |
| $1,500 | $18 |
| $2,000 | $16 |
Factors That Impact Renters Insurance Costs In Rochester
Several key factors affect how much you’ll pay for renters insurance in Rochester:
Deductible Choice: Opting for a higher deductible can lower your monthly premium, while a lower deductible usually results in higher monthly costs since the insurer takes on more risk.
Home Safety Features: Installing devices like smoke detectors, security systems, or sprinklers can reduce risk, which may lead to discounted insurance rates.
Credit Score: Insurers often consider your credit score when setting premiums. Generally, a lower score can mean higher insurance costs.
Coverage Amounts: Choosing higher limits for personal property and liability coverage—especially with add-ons like replacement cost or identity theft protection—can increase your premium.
Claim History: A record of multiple past claims can make you appear riskier to insurers, potentially raising your rates.
Location: Living in areas prone to property crime or natural disasters like flooding and severe storms can drive up your insurance costs.
Common Causes Of Loss In New York
Renters in New York face various risks, such as theft, fires, storms, floods, and water damage. Understanding these risks helps tenants choose the right insurance policy to protect their belongings and finances.
Flood Risks
Flooding is a frequent issue in Rochester, especially after heavy rains or severe storms. The city’s proximity to Lake Ontario contributes to frequent flooding. Since standard renters insurance doesn’t cover flood damage, consider purchasing a separate flood insurance policy for complete protection.
Property Crime & Theft
With over 10,000 property crimes reported annually in Rochester, burglary is a significant concern. Renters insurance can help replace stolen items and may also offer liability coverage if someone is injured during a break-in.
Fire Hazards
Fires can spread quickly in multi-unit buildings, causing significant damage. Renters insurance helps cover the replacement of personal belongings damaged by fire. Considering the frequency of fire incidents in Rochester, having this coverage is a smart decision.
Severe Storms
New York is vulnerable to powerful storms, including thunderstorms that can cause property damage. Most standard renters insurance policies cover losses from high winds and storms, providing important protection for renters.
Water Damage
Leaks from plumbing, burst pipes, or roof damage can lead to costly repairs. Renters insurance typically covers water damage inside the unit, but flood-related issues require separate coverage.
Additional Protection
Renters insurance also covers losses due to vandalism, accidental damage, and certain natural disasters, offering extra security and peace of mind.
Being aware of these potential risks allows renters to select an insurance policy that best suits their needs and offers the necessary financial protection.
Our Methodology
To assess renters insurance providers, we focused on key factors such as cost, coverage options, claims handling, and customer service. Our research involved obtaining quotes from several insurers in Rochester, specifically looking at standard policies offering $20,000 in personal property coverage and $100,000 in liability protection.
We also took into account deductible choices, additional coverage for risks like floods and earthquakes, and potential savings from bundling renters and auto insurance. Customer feedback was a vital part of the evaluation, with ratings from organizations like J.D. Power and Consumer Reports helping us highlight insurers known for excellent service and efficient claims processing.
Furthermore, we considered risks unique to Rochester, such as theft and water damage, to better understand how these factors affect coverage needs. By reviewing all these aspects, our guide offers a comprehensive comparison of renters insurance options in New York.
Quotes Analyzed
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Research Hours
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About Bob Phillips
