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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

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


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

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

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

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