Gavop shows you how to buy homeowners insurance in Montgomery County, 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $72,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $74,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $194,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $113,500 | $100,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$181 | $1,024 |
| Superior Protection Discount | -$108 | $1,096 |
| Fire & Security Discount | -$120 | $1,084 |
| Hail Resistant Roof Discount | -$24 | $1,181 |
| Newly Constructed Home Discount | -$253 | $952 |
| 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 |
| Montgomery County | $2,500 | $1,190 | $3,690 | $865 | $3,365 | $325 |
| Montgomery County, NY | $2,500 | $1,190 | $3,690 | $865 | $3,365 | $325 |
| Galway, NY | $200 | $934 | $1,134 | $679 | $879 | $255 |
| Summit, NY | $1,000 | $640 | $1,640 | $465 | $1,465 | $175 |
| Providence, NY | $400 | $691 | $1,091 | $502 | $902 | $189 |
| Saratoga County, NY | $1,000 | $882 | $1,882 | $641 | $1,641 | $241 |
| Waterford, NY | $500 | $661 | $1,161 | $480 | $980 | $181 |
| Menands, NY | $2,500 | $773 | $3,273 | $561 | $3,061 | $211 |
| Oneonta, NY | $500 | $587 | $1,087 | $427 | $927 | $160 |
| Yorkville, NY | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| Remsen, NY | $100 | $592 | $692 | $430 | $530 | $162 |
| Stuyvesant, NY | $2,000 | $811 | $2,811 | $589 | $2,589 | $222 |
| Home Insurance Company Montgomery County, NY | Homeowners Insurance Agency Montgomery County, NY | Address | Popularity Score | Distance from Montgomery County (miles) |
|---|---|---|---|---|
| Allstate | Cheryl Friello | 146 N Comrie Ave, Johnstown, NY, 12095 | 8.6 | |
| Liberty Mutual Independent | Hms Agency Inc | 454 Sand Creek Rd, Albany, NY, 12205 | 34.3 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Ave Ste 2 , Schenectady, NY, 12304 | 30.2 | |
| Travelers | Henke Warren Insurance Agency Inc | 26 Hope Plaza, West Coxsackie, NY, 12192 | 48.2 | |
| Liberty Mutual Independent | Hearn Agency | 209 Erie Blvd, Canajoharie, NY, 13317 | 7.4 | |
| State Farm | Stephanie Mahoney | 3770 Carman Road, Schenectady, NY, 12303-5670 | 28.2 | |
| Travelers | Sefcu Insurance Agency | 569 Main St Ste 1, Cobleskill, NY, 12043 | 15.6 | |
| Travelers | Kevlin Insurance Agency | 152 W Main St, Johnstown, NY, 12095 | 7.9 | |
| State Farm | Nancy Persse Langdon | 2628 State Highway 30a, Fonda, NY, 12068-5954 | 4.8 | |
| Travelers | Amtech Insurance Brokers Inc | 8 Stanley Circle, Latham, NY, 12110 | 35.0 |
| 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 | $800 | $1,620 | $820 |
| Montgomery County, NY | $99,900 | $1,205 | $830 | $1,700 | $870 |
| Montgomery County, NY | $99,900 | $1,205 | $880 | $1,650 | $770 |
| Galway, NY | $247,100 | $945 | $680 | $1,350 | $670 |
| Summit, NY | $152,100 | $648 | $470 | $900 | $430 |
| Providence, NY | $175,600 | $699 | $470 | $990 | $520 |
| Saratoga County, NY | $243,600 | $893 | $600 | $1,260 | $660 |
| Waterford, NY | $208,400 | $669 | $490 | $930 | $440 |
| Menands, NY | $204,100 | $782 | $540 | $1,100 | $560 |
| Oneonta, NY | $147,000 | $594 | $430 | $830 | $400 |
| Yorkville, NY | $92,500 | $590 | $400 | $810 | $410 |
| Remsen, NY | $115,000 | $599 | $400 | $830 | $430 |
| Stuyvesant, NY | $215,500 | $821 | $560 | $1,170 | $610 |