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

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($5000 to $10,000 Deductible)
Low Deductible($)
($500- $1000 Deductible)
Troy $145,000 $717 $1,189
Watervliet $135,000 $760 $1,105
Averill Park $190,000 $1,037 $1,356
Round Lake $200,000 $1,148 $1,531
Westmere $230,000 $1,324 $1,831
Waterford $205,000 $1,087 $1,479
Schodack $225,000 $1,217 $1,861
Altamont $255,000 $1,379 $2,071
Clifton Park $280,000 $1,567 $2,320
Scotia $140,000 $652 $1,009

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

Coverage Amount Home Insurance Cost ($)
$100000 $937
$250000 $1,125
$500000 $1,799
$750000 $2,339
$1000000 $2,994
More than $1000000 $3,462


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

Average Home Insurance Cost($)
National Average $1224
Troy, NY Average Home Insurance Cost$852
State Average Home Insurance Cost$1,248
Difference Vs national Average-372

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

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$500- $1000 Deductible $130,000 $450 Christie St, Grand St
$1000-$2500 Deductible $159,500 $670 W Sunnyside
$1000-$2500 Deductible $70,500 $270 Massachusetts Ave
$500 Deductible $181,000 $780 Vandenburgh Pl
$1000-$2500 Deductible $169,500 $580 Balsam Ave
$500- $1000 Deductible $75,000 $350 Colvin Cir, Jacob St
$5000 to $10,000 Deductible $222,500 $440 New Schaghticoke Rd
$500- $1000 Deductible $368,000 $1050 Franklin St
$500 Deductible $164,000 $700 Christie St, Grand St

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 ($) Premium After Claim Payout ($)
Claims Free -77 775
One Claim +77 929
Two Claims +94 946