Gavop's guide to buying homeowners insurance in Halfmoon, 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.
| Halfmoon, NY - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Fellows Rd, Timberwick Dr, Old Plant Rd, Brookwood Rd, Crescent Visher Ferry Rd, W Lawn Dr, Morris Ln, Lower Newtown Rd, Farmview Ln, Oakleaf Dr | $155,000 | $140,000 | $125,000-$150,000 | $156,000 | $130,000 | $125,000-$150,000 |
| Schoolhouse Ln, Belleard Ln, Oregon Trl, Mari Nol Dr, Lower Newtown Rd, Brigantine Dr, Algonquin Rd, Ashton Dr, Brookwood Rd, S Main St | $136,000 | $120,000 | $125,000-$150,000 | $235,000 | $220,000 | $175,000-$200,000 |
| Pineview Ln, Margaret Ct, Middletown Rd, Co Rd 95, Squire Ln, Lakeview Dr, Newcastle Rd, Mates Way, River Rd, Forest Ln | $98,500 | $90,000 | $100,000-$125,000 | $194,500 | $160,000 | $200,000-$250,000 |
| Raleigh Dr, Woodin Rd, Sheldon Dr, Washington Ln, Allen Dr, Towpath Rd, Grenadier Ct, Camden Ct, Circle Ln, Bennington Way | $133,500 | $120,000 | $100,000-$125,000 | $259,500 | $240,000 | $250,000-$300,000 |
| Fellows Rd, Mari Nol Cir, E Lawn Ct, Yankee Ct, Forest Grove, Dubois Ln, Nadeau Ct, Co Rd 86, Bedford Cir, Clamsteam Rd | $176,500 | $160,000 | $150,000-$175,000 | $148,500 | $140,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$71 | $720 |
| Home and Two Car | -$135 | $657 |
| Home and Three Car | -$198 | $593 |
| 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 |
| Saratoga County | $1,500 | $882 | $2,382 | $641 | $2,141 | $241 |
| Halfmoon, NY | $700 | $782 | $1,482 | $568 | $1,268 | $214 |
| Scotia, NY | $200 | $574 | $774 | $417 | $617 | $157 |
| Galway, NY | $1,000 | $934 | $1,934 | $679 | $1,679 | $255 |
| Arlington, VT | $400 | $826 | $1,226 | $600 | $1,000 | $226 |
| Stuyvesant, NY | $700 | $811 | $1,511 | $589 | $1,289 | $222 |
| Mohawk, NY | $200 | $604 | $804 | $439 | $639 | $165 |
| Richmond, MA | $1,000 | $1,871 | $2,871 | $1,360 | $2,360 | $511 |
| Claverack-Red Mills, NY | $100 | $817 | $917 | $594 | $694 | $223 |
| Greenport, NY | $2,000 | $652 | $2,652 | $474 | $2,474 | $178 |
| Middlefield, MA | $400 | $1,012 | $1,412 | $735 | $1,135 | $276 |
| Home Insurance Company Halfmoon, NY | Homeowners Insurance Agency Halfmoon, NY | Address | Popularity Score | Distance from Halfmoon (miles) |
|---|---|---|---|---|
| Travelers | Porto Agency | 332 Main St, Catskill, NY, 12414 | 44.9 | |
| Allstate | John Deutsch | 621 Columbia St, Cohoes, NY, 12047 | 6.7 | |
| Travelers | Beltzer-Dimura Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 8.0 | |
| State Farm | Dan Wagner | 323 Ushers Rd, Ballston Lake, NY, 12019-1519 | 4.4 | |
| State Farm | Mick Butler | 694 5th Ave, Troy, NY, 12182-2331 | 6.4 | |
| Allstate | Debra Lamay | 2537 Route 9 Ste 200, Malta, NY, 12020 | 8.4 | |
| Liberty Mutual Independent | Associates Of Glens Falls | 228 Glen St Glens Falls, Glens Falls, NY, 12801 | 31.3 | |
| State Farm | Karla Foxvog | 1143 State Route 40, Schaghticoke, NY, 12154 | 5.8 | |
| Nationwide | Victor F De Vito | 486 Troy Schenectady Rd, Latham, NY, 12110 | 8.0 | |
| Farmers | James Obrien] | 601 Watervliet Shaker Rd, Latham, NY, 12110 | 8.7 |
| 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 |
| Saratoga County, NY | $243,600 | $893 | $620 | $1,280 | $660 |
| Halfmoon, NY | $246,400 | $791 | $550 | $1,080 | $530 |
| Scotia, NY | $138,600 | $581 | $390 | $830 | $440 |
| Galway, NY | $247,100 | $945 | $670 | $1,290 | $620 |
| Arlington, VT | $257,500 | $836 | $560 | $1,150 | $590 |
| Stuyvesant, NY | $215,500 | $821 | $580 | $1,170 | $590 |
| Mohawk, NY | $128,200 | $611 | $410 | $850 | $440 |
| Richmond, MA | $445,900 | $1,894 | $1,310 | $2,590 | $1,280 |
| Claverack-Red Mills, NY | $217,300 | $827 | $560 | $1,180 | $620 |
| Greenport, NY | $158,400 | $660 | $460 | $930 | $470 |
| Middlefield, MA | $231,100 | $1,024 | $730 | $1,450 | $720 |