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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($5000 to $10,000 Deductible)
Low Deductible($)
($500- $1000 Deductible)
Schenectady County $170,000 $862 $1,337
Central Bridge $80,000 $407 $571
Schenectady County $170,000 $862 $1,337
Guilderland $250,000 $1,171 $1,934
Altamont $255,000 $1,379 $2,071
Fultonville $85,000 $473 $637
Niskayuna $260,000 $1,302 $2,014
Ballston $265,000 $1,328 $1,870
Westmere $230,000 $1,324 $1,831
East Glenville $200,000 $966 $1,566

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

Coverage Amount Home Insurance Cost ($)
$100000 $942
$250000 $1,130
$500000 $1,808
$750000 $2,350
$1000000 $3,008
More than $1000000 $3,478


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

Average Home Insurance Cost($)
National Average $1224
Schenectady County, NY Average Home Insurance Cost$856
State Average Home Insurance Cost$1,248
Difference Vs national Average-368

Best Home Insurance Quotes & Estimates for Properties Near Schenectady County, NY

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$500 Deductible $229,000 $760 Hoffman's Hill Rd Exd
$1000-$2500 Deductible $125,000 $460 N Ballston Ave
$2500-$5000 Deductible $183,500 $770 Deforest Ave
$500- $1000 Deductible $204,500 $730 Floral Ave
$5000 to $10,000 Deductible $167,500 $440 Glenbrook Rd
> $10,000 Deductible $295,500 $510 Mayfair Dr
$1000-$2500 Deductible $95,000 $350 Co Rd 6p
> $10,000 Deductible $365,000 $840 Niskayuna Dr

Top Homeowners Insurance Companies in Schenectady County, NY

Insurance Provider Average Homeowners Insurance Cost($)
The Hanover $1,229
Allstate $1,192
Nationwide $1,108
Narragansett Bay $786

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

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claims Free -111 745
One Claim +43 899
Two Claims +120 976