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Home Insurance Costs with Deductible Scenarios in Albany County, NY & Nearby Areas

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($2500)
Low Deductible($)
($500)
Albany County, NY $214400 $569 $783
New Baltimore, NY $183000 $516 $710
Mariaville Lake, NY $187500 $525 $722
Guilderland, NY $251500 $664 $914
Schenectady, NY $110800 $857 $1,180
Altamont, NY $255500 $705 $970
Niskayuna, NY $261700 $609 $838
Westmere, NY $235800 $542 $745
Wynantskill, NY $191800 $534 $735
Stuyvesant, NY $215500 $589 $811

Impact of Coverage Amount on Home Insurance Cost In Albany County, NY

Coverage Amount Home Insurance Cost ($)
$100,000 $426
$200,000 $1,084
$300,000 $1,425
$400,000 $1,780
$500,000 $2,278
$750,000 to $1000,000 $2,634
Above $1000,000 $3,115


Albany County, NY Homeowners Insurance Rates Compared to State & National Average Rates

Average Home Insurance Cost($)
National Average $1224
Albany County, NY Average Home Insurance Cost$792.49
State Average Home Insurance Cost$1,164
Difference Vs national Average-431.51

Top Homeowners Insurance Companies in Albany County, NY

Insurance Provider Average Homeowners Insurance Cost($)
The Hanover $1,229
Nationwide $1,108
Preferred Insurance $900
Narragansett Bay $786

Albany County, NY Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claim Free -103 689
One Claim +71 864
Two Claims +95 888