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

Place Name/Near by place	Typical Insured Amount ($)	High Deductible($) ($2500)	Low Deductible($) ($500)
Schenectady, NY	$110800	$857	$1,180
Scotia, NY	$138600	$417	$574
Green Island, NY	$120800	$434	$597
Schenectady County, NY	$164100	$468	$644
Clifton Park, NY	$280700	$735	$1,012
Schaghticoke, NY	$177800	$471	$648
Berne, NY	$195400	$542	$746
Princetown, NY	$206000	$566	$779
Rotterdam, NY	$166700	$453	$623
Brunswick, NY	$215100	$495	$681

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

Coverage Amount	Home Insurance Cost ($)
$100,000	$1,033
$200,000	$3,394
$300,000	$4,392
$400,000	$5,190
$500,000	$6,643
$750,000 to $1000,000	$7,681
Above $1000,000	$9,083

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

	Average Home Insurance Cost($) National Average $1224
Schenectady, NY Average Home Insurance Cost	$1,194.264
State Average Home Insurance Cost	$1,164
Difference Vs national Average	-29.736

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Top Homeowners Insurance Companies in Schenectady, NY

Insurance Provider	Average Homeowners Insurance Cost($)
The Hanover	$1,229
Nationwide	$1,108
Preferred Insurance	$900
NYCM Insurance	$812

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Schenectady, NY Home Insurance Discounts For Different Number of Claims

Type	Discount/Extra Cost in ($)	Premium After Claim Payout ($)
Claim Free	-155	1039
One Claim	+107	1302
Two Claims	+155	1350

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