Gavop's guide to buying homeowners insurance in Scotia, NY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Scotia, 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 | |
| James St, Robin St, Cambridge Manor Dr, Cartwheel Dr, Wren St, Washington Rd, Schonowee Ave, Market St, N Holmes St, Pleasantview Ave | $111,000 | $90,000 | $100,000-$125,000 | $143,000 | $130,000 | $125,000-$150,000 |
| Sunnyside Rd, Larkin St, S Ten Broeck St, S Ballston Ave, Craigie Ave, Halcyon St, Commerce St, Vley Rd, Jay St, Elliott St | $176,500 | $160,000 | $125,000-$150,000 | $125,500 | $120,000 | $100,000-$125,000 |
| Slate Stone Dr, Boulder Bend, Lyric St, Knickerbocker Rd, John St, 4th St, Albion St, Root Ave, Irving Rd, Washington Ave | $138,500 | $130,000 | $150,000-$175,000 | $134,000 | $130,000 | $125,000-$150,000 |
| Collins St, Zoar Ct, N Ballston Ave, 3rd St, Division St, 5th St, N Reynolds St, Hawk St, Catherine St, Lincoln St | $157,500 | $140,000 | $150,000-$175,000 | $138,500 | $120,000 | $100,000-$125,000 |
| Pershing Dr, Parkland Ave, S Reynolds St, Neal St, Meriline Ave, Oakhurst Dr, 1st St, Cuthbert St, Culligan Dr, S Holmes St | $143,000 | $130,000 | $150,000-$175,000 | $126,500 | $110,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $529 |
| Home and Two Car | -$99 | $482 |
| Home and Three Car | -$140 | $442 |
| 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 |
| Schenectady County | $1,500 | $644 | $2,144 | $468 | $1,968 | $176 |
| Scotia, NY | $2,000 | $574 | $2,574 | $417 | $2,417 | $157 |
| Schenectady, NY | $400 | $1,180 | $1,580 | $857 | $1,257 | $322 |
| Delanson, NY | $1,500 | $703 | $2,203 | $511 | $2,011 | $192 |
| Glen, NY | $300 | $586 | $886 | $426 | $726 | $160 |
| Schoharie, NY | $1,000 | $658 | $1,658 | $478 | $1,478 | $180 |
| Root, NY | $200 | $587 | $787 | $426 | $626 | $160 |
| Stuyvesant, NY | $1,000 | $811 | $1,811 | $589 | $1,589 | $222 |
| Nelliston, NY | $200 | $584 | $784 | $424 | $624 | $160 |
| Cheshire, MA | $700 | $924 | $1,624 | $671 | $1,371 | $252 |
| Harpersfield, NY | $400 | $630 | $1,030 | $458 | $858 | $172 |
| Alford, MA | $1,500 | $2,517 | $4,017 | $1,829 | $3,329 | $688 |
| Home Insurance Company Scotia, NY | Homeowners Insurance Agency Scotia, NY | Address | Popularity Score | Distance from Scotia (miles) |
|---|---|---|---|---|
| Nationwide | William J. Freyer | 1650 State Street, Schenectady, NY, 12304-3573 | 4.2 | |
| Nationwide | Michael O. Murphy | 195 Washington St., Saratoga Springs, NY, 12866-4226 | 19.1 | |
| Liberty Mutual Independent | Marshall & Sterling Insurance | 300 Route 23b, Leeds, NY, 12451 | 41.0 | |
| Travelers | Donna M Lavigne Agency | 552 Main Street, Cobleskill, NY, 12043 | 28.7 | |
| Allstate | Florence A. Shaw | 1667 Central Ave, Albany, NY, 12205 | 9.9 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Avenue, Schenectady, NY, 12304 | 6.8 | |
| Allstate | Tim Berryhill | 1789 Western Ave, Albany, NY, 12203 | 10.9 | |
| Allstate | Julie Baldes | 165 Freemans Bridge Rd, Scotia, NY, 12302 | 1.3 | |
| State Farm | Keith Stewart | 820 Saratoga Road, Burnt Hills, NY, 12027-0594 | 6.5 | |
| State Farm | Bob Bailey | 3357 Carman Rd, Schenectady, NY, 12303-5319 | 5.6 |
| 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 | $780 | $1,660 | $880 |
| Schenectady County, NY | $164,100 | $652 | $480 | $930 | $450 |
| Scotia, NY | $138,600 | $581 | $390 | $800 | $410 |
| Schenectady, NY | $110,800 | $1,194 | $850 | $1,640 | $790 |
| Delanson, NY | $180,600 | $712 | $480 | $990 | $510 |
| Glen, NY | $103,900 | $593 | $430 | $840 | $410 |
| Schoharie, NY | $161,200 | $666 | $470 | $940 | $470 |
| Root, NY | $106,700 | $594 | $400 | $840 | $440 |
| Stuyvesant, NY | $215,500 | $821 | $580 | $1,170 | $590 |
| Nelliston, NY | $86,300 | $591 | $420 | $810 | $390 |
| Cheshire, MA | $192,600 | $935 | $630 | $1,280 | $650 |
| Harpersfield, NY | $146,900 | $638 | $430 | $900 | $470 |
| Alford, MA | $630,500 | $2,548 | $1,730 | $3,540 | $1,810 |