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

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

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


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

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 ($) Premium After Claim Payout ($)
Claim Free -155 1039
One Claim +107 1302
Two Claims +155 1350