Gavop shows you how to buy homeowners insurance in Sand Lake, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $162,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $143,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $269,500 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $164,500 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $622 |
| Superior Protection Discount | -$67 | $673 |
| Fire & Security Discount | -$81 | $659 |
| Hail Resistant Roof Discount | -$22 | $718 |
| Newly Constructed Home Discount | -$148 | $592 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,513 |
| Hail Damage | $4,524 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $17,054 |
| Home Insurance Company Sand Lake, NY | Homeowners Insurance Agency Sand Lake, NY | Address | Popularity Score | Distance from Sand Lake (miles) |
|---|---|---|---|---|
| Travelers | 2001 Central Insurance Agency | 2129 Central Ave Ste 2 , Schenectady, NY, 12304 | 19.0 | |
| Allstate | Julie Baldes | 931 Altamont Ave, Schenectady, NY, 12303 | 22.9 | |
| Travelers | Warner & Foley Inc | 43 Mall, West Sand Lake, NY, 12196 | 3.4 | |
| Allstate | Coyne Insurance Agency | 146 Columbia Tpke, Rensselaer, NY, 12144 | 9.9 | |
| Travelers | De Mattos Insurance Agency Inc | 158 Ridge Street, Glens Falls, NY, 12801 | 47.6 | |
| Travelers | Taylor & Leonard | 553 Glen Street, Glens Falls, NY, 12801 | 47.9 | |
| Erie | The Lyden Group Llc | 282 Ushers Road, Clifton Park, NY, 12065 | 22.5 | |
| Travelers | William J Cole Agency Inc | 1 John St, Millerton, NY, 12546 | 46.7 | |
| State Farm | Maureen Larose | 980 E Main St Ste 3, Cobleskill, NY, 12043-5742 | 47.1 | |
| State Farm | Pete Sleasman | 108 Main Ave, Wynantskill, NY, 12198-7512 | 6.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New York | $293,000 | $1,164 | $850 | $1,590 | $740 |
| Rensselaer County, NY | $183,400 | $698 | $470 | $980 | $510 |
| Sand Lake, NY | $231,500 | $740 | $500 | $1,010 | $510 |
| North Greenbush, NY | $214,400 | $686 | $460 | $970 | $510 |
| Pittsfield, MA | $173,100 | $866 | $620 | $1,190 | $570 |
| Lenox, MA | $350,000 | $995 | $710 | $1,380 | $670 |
| Leeds, NY | $177,500 | $704 | $490 | $990 | $500 |
| Germantown, NY | $238,400 | $909 | $620 | $1,260 | $640 |
| Palenville, NY | $186,500 | $729 | $520 | $1,010 | $490 |
| Fort Edward, NY | $111,400 | $943 | $690 | $1,300 | $610 |
| Newfane, VT | $231,100 | $798 | $530 | $1,130 | $600 |
| Colebrook, CT | $262,100 | $1,231 | $890 | $1,740 | $850 |