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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($2500)
Low Deductible($)
($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

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


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

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 ($) Premium After Claim Payout ($)
Claim Free -78 574
One Claim +59 711
Two Claims +78 730