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

Place Name/Near by place	Typical Insured Amount ($)	High Deductible($) (> $10,000 Deductible)	Low Deductible($) ($1000-$2500 Deductible)
Schenectady	$115,000	$437	$791
Scotia	$140,000	$626	$887
Green Island	$120,000	$529	$919
Schenectady County	$170,000	$808	$1,259
Clifton Park	$280,000	$1,098	$2,014
Schaghticoke	$175,000	$735	$1,129
Berne	$190,000	$826	$1,270
Princetown	$220,000	$1,035	$1,472
Rotterdam	$170,000	$736	$1,186
Brunswick	$200,000	$899	$1,378

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

Coverage Amount	Home Insurance Cost ($)
$100000	$1,018
$250000	$1,221
$500000	$1,954
$750000	$2,540
$1000000	$3,251
More than $1000000	$3,759

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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	$925
State Average Home Insurance Cost	$1,248
Difference Vs national Average	-299

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

Deductible ($)	Home Value ($)	Homeowners Insurance Cost ($)	Location
$5000 to $10,000 Deductible	$157,000	$440	John St
$2500-$5000 Deductible	$114,500	$440	Olean St
$2500-$5000 Deductible	$128,000	$270	Londonderry Ct, Wright Ave
$2500-$5000 Deductible	$115,500	$330	N Ferry St
$500 Deductible	$125,500	$450	Nassau Ave, Sir Benjamin Way, Manchester Rd, S Amherst Ave
$500 Deductible	$55,500	$200	Harlem St
$5000 to $10,000 Deductible	$173,000	$370	John St
$1000-$2500 Deductible	$355,500	$1410	Olean St

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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 ($)	Premium After Claim Payout ($)
Claims Free	-93	833
One Claim	+83	1008
Two Claims	+93	1018

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