Gavop shows you how to buy homeowners insurance in German Flatts, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| German Flatts, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Robellard Rd, Cary Ave, Co Rd 15, William St, Bellinger St, Kanzog Rd, Co Rd 15, Shoemaker Rd, Daves Way, Armory St | $96,500 | $80,000 | $75,000-$100,000 | $96,000 | $90,000 | $75,000-$100,000 |
| Shull St, Grant St, Co Rd 14, State Rte 168, S Richfield St, Johnson Ave, E River Dr, Garden St, Shaunessy Ct, Pennsylvania Ave | $144,500 | $130,000 | $125,000-$150,000 | $83,000 | $80,000 | $50,000-$75,000 |
| Spring St, N 3rd Ave, Lock St, Fulton St, 6th Ave, Sunset Ave, Charles St, S 3rd Ave, Co Rd 125, Arlington Ave | $80,500 | $80,000 | $75,000-$100,000 | $92,000 | $70,000 | $75,000-$100,000 |
| N Richfield St, N 5th Ave, Elizabeth St, Green St, Ann St, Hakes Rd, N 4th Ave, Miller Rd, Hinman Rd, Orchard St | $97,500 | $80,000 | $100,000-$125,000 | $101,000 | $90,000 | $75,000-$100,000 |
| Mc Cann St, Casey Rd, Co Rd 135, S Otsego St, Harriet Ave, Central Plz, Applewood Dr, 1st Ave, Co Rd 125, W Center St | $114,500 | $90,000 | $100,000-$125,000 | $91,000 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $823 |
| Superior Protection Discount | -$87 | $881 |
| Fire & Security Discount | -$97 | $871 |
| Hail Resistant Roof Discount | -$29 | $939 |
| Newly Constructed Home Discount | -$261 | $707 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Herkimer County | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| German Flatts, NY | $2,500 | $957 | $3,457 | $695 | $3,195 | $261 |
| Warren, NY | $400 | $587 | $987 | $426 | $826 | $160 |
| Newport, NY | $2,000 | $589 | $2,589 | $428 | $2,428 | $161 |
| Whitesboro, NY | $100 | $583 | $683 | $424 | $524 | $159 |
| Trenton, NY | $1,500 | $639 | $2,139 | $465 | $1,965 | $175 |
| Smithfield, NY | $300 | $589 | $889 | $428 | $728 | $161 |
| Lincoln, NY | $1,500 | $613 | $2,113 | $445 | $1,945 | $167 |
| Blenheim, NY | $500 | $607 | $1,107 | $441 | $941 | $166 |
| Otselic, NY | $1,000 | $587 | $1,587 | $426 | $1,426 | $160 |
| Franklin, NY | $300 | $631 | $931 | $459 | $759 | $173 |
| Sidney, NY | $700 | $957 | $1,657 | $695 | $1,395 | $261 |
| Home Insurance Company German Flatts, NY | Homeowners Insurance Agency German Flatts, NY | Address | Popularity Score | Distance from German Flatts (miles) |
|---|---|---|---|---|
| State Farm | Scott Grates | 205 W Main St, Ilion, NY, 13357-1509 | 3.7 | |
| Allstate | Shults Agency | 3 Canal St, Fort Plain, NY, 13339 | 18.7 | |
| Allstate | Costanza Agency Inc | 115 S Litchfield St, Frankfort, NY, 13340 | 5.7 | |
| State Farm | Melissa Manikas | 29 Pioneer St Ste 201, Cooperstown, NY, 13326-1050 | 20.0 | |
| Allstate | Frederick Northup | 105 W Main St, Ilion, NY, 13357 | 3.5 | |
| Travelers | Taylor Agency | 70 West Clark St, Ilion, NY, 13357 | 3.5 | |
| Liberty Mutual Independent | Hearn Agency | 209 Erie Blvd, Canajoharie, NY, 13317 | 21.2 | |
| Travelers | Sefcu Insurance Agency | 396 E State St, Herkimer, NY, 13350 | 2.8 | |
| Allstate | Hbe Group Inc | 410 Folts St, Herkimer, NY, 13350 | 3.0 | |
| Allstate | Hbe Group Inc | 410 Folts St, Herkimer, NY, 13350 | 3.0 |
| 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 | $840 | $1,640 | $800 |
| Herkimer County, NY | $95,800 | $1,205 | $810 | $1,670 | $860 |
| German Flatts, NY | $82,500 | $968 | $660 | $1,380 | $720 |
| Warren, NY | $107,200 | $594 | $430 | $850 | $420 |
| Newport, NY | $110,000 | $596 | $430 | $840 | $410 |
| Whitesboro, NY | $94,100 | $590 | $400 | $810 | $410 |
| Trenton, NY | $151,700 | $647 | $470 | $930 | $460 |
| Smithfield, NY | $110,800 | $596 | $400 | $840 | $440 |
| Lincoln, NY | $135,000 | $620 | $430 | $890 | $460 |
| Blenheim, NY | $130,000 | $614 | $440 | $870 | $430 |
| Otselic, NY | $76,800 | $594 | $420 | $820 | $400 |
| Franklin, NY | $147,300 | $639 | $450 | $910 | $460 |
| Sidney, NY | $85,200 | $968 | $650 | $1,330 | $680 |