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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($2500)
Low Deductible($)
($500)
Troy, NY $144400 $442 $608
Watervliet, NY $142800 $422 $581
Averill Park, NY $212900 $583 $802
Round Lake, NY $205700 $565 $778
Westmere, NY $235800 $542 $745
Waterford, NY $208400 $480 $661
Schodack, NY $216200 $497 $684
Altamont, NY $255500 $705 $970
Clifton Park, NY $280700 $735 $1,012
Scotia, NY $138600 $417 $574

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

Coverage Amount Home Insurance Cost ($)
$100,000 $405
$200,000 $1,343
$300,000 $1,679
$400,000 $2,167
$500,000 $2,774
$750,000 to $1000,000 $3,207
Above $1000,000 $3,792


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

Average Home Insurance Cost($)
National Average $1224
Troy, NY Average Home Insurance Cost$614.98
State Average Home Insurance Cost$1,164
Difference Vs national Average-609.02

Top Homeowners Insurance Companies in Troy, NY

Insurance Provider Average Homeowners Insurance Cost($)
Allstate $1,192
Nationwide $1,108
NYCM Insurance $812
Narragansett Bay $786

Troy, NY Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claim Free -80 535
One Claim +49 664
Two Claims +74 689