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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($5000 to $10,000 Deductible)
Low Deductible($)
($2500-$5000 Deductible)
Albany $175,000 $944 $1,062
Round Lake $200,000 $1,148 $1,378
Cohoes $150,000 $768 $843
Castleton-on-Hudson $165,000 $944 $1,098
Schenectady $115,000 $603 $660
Menands $260,000 $1,471 $1,492
Troy $145,000 $717 $844
Chatham $265,000 $1,370 $1,701
Schaghticoke $175,000 $919 $1,153
Coeymans $175,000 $900 $1,035

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

Coverage Amount Home Insurance Cost ($)
$100000 $943
$250000 $1,131
$500000 $1,810
$750000 $2,353
$1000000 $3,012
More than $1000000 $3,482


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

Average Home Insurance Cost($)
National Average $1224
Albany, NY Average Home Insurance Cost$857
State Average Home Insurance Cost$1,248
Difference Vs national Average-367

Best Home Insurance Quotes & Estimates for Properties Near Albany, NY

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$2500-$5000 Deductible $212,000 $730 Locust St
$5000 to $10,000 Deductible $163,000 $410 Norton St, Philip St
$5000 to $10,000 Deductible $157,000 $330 Carpenter Ave
$500- $1000 Deductible $278,000 $860 Hemlock Ln, Milner Ave
$500 Deductible $133,000 $530 Greenwich Dr
$2500-$5000 Deductible $95,000 $330 Monroe St, N Manning Blvd
$500- $1000 Deductible $181,500 $780 Beverly Ave
$5000 to $10,000 Deductible $315,000 $710 Locust St

Top Homeowners Insurance Companies in Albany, NY

Insurance Provider Average Homeowners Insurance Cost($)
Liberty Mutual $1,324
The Hanover $1,229
USAA $1,038
Chubb $782

Albany, NY Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claims Free -60 797
One Claim +60 917
Two Claims +111 968