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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($2500)
Low Deductible($)
($500)
Albany, NY $171900 $481 $661
Round Lake, NY $205700 $565 $778
Cohoes, NY $158400 $441 $606
Castleton-on-Hudson, NY $165500 $485 $667
Schenectady, NY $110800 $857 $1,180
Menands, NY $204100 $561 $773
Troy, NY $144400 $442 $608
Chatham, NY $262900 $729 $1,004
Schaghticoke, NY $177800 $471 $648
Coeymans, NY $168600 $455 $627

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

Coverage Amount Home Insurance Cost ($)
$100,000 $327
$200,000 $1,133
$300,000 $1,487
$400,000 $1,962
$500,000 $2,511
$750,000 to $1000,000 $2,904
Above $1000,000 $3,434


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

Average Home Insurance Cost($)
National Average $1224
Albany, NY Average Home Insurance Cost$669.3
State Average Home Insurance Cost$1,164
Difference Vs national Average-554.7

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 ($) Premium After Claim Payout ($)
Claim Free -87 582
One Claim +40 709
Two Claims +80 750