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

Place Name/Near by place	Typical Insured Amount ($)	High Deductible($) ($2500)	Low Deductible($) ($500)
Schenectady County, NY	$164100	$468	$644
Central Bridge, NY	$79000	$426	$586
Schenectady County, NY	$164100	$468	$644
Guilderland, NY	$251500	$664	$914
Altamont, NY	$255500	$705	$970
Fultonville, NY	$85000	$424	$584
Niskayuna, NY	$261700	$609	$838
Ballston, NY	$278800	$659	$906
Westmere, NY	$235800	$542	$745
East Glenville, NY	$207000	$569	$782

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

Coverage Amount	Home Insurance Cost ($)
$100,000	$394
$200,000	$1,115
$300,000	$1,598
$400,000	$1,918
$500,000	$2,455
$750,000 to $1000,000	$2,839
Above $1000,000	$3,356

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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	$651.84
State Average Home Insurance Cost	$1,164
Difference Vs national Average	-572.16

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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

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

Type	Discount/Extra Cost in ($)	Premium After Claim Payout ($)
Claim Free	-78	574
One Claim	+59	711
Two Claims	+78	730

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