Gavop's guide to buying homeowners insurance in Scotchtown, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $102,000 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $280,500 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $305,500 | $260,000 | $300,000-$350,000 |
| 4 Bedroom | $464,500 | $410,000 | $400,000-$500,000 |
| 5 Bedroom | $651,500 | $580,000 | $700,000-$800,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $733 |
| Home and Two Car | -$137 | $669 |
| Home and Three Car | -$201 | $604 |
| 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 |
| Orange County | $700 | $952 | $1,652 | $692 | $1,392 | $260 |
| Scotchtown, NY | $1,000 | $796 | $1,796 | $578 | $1,578 | $218 |
| Hardyston, NJ | $100 | $798 | $898 | $580 | $680 | $218 |
| Montrose, NY | $2,500 | $1,531 | $4,031 | $1,113 | $3,613 | $419 |
| Branchville, NJ | $400 | $964 | $1,364 | $701 | $1,101 | $264 |
| Allendale, NJ | $1,500 | $1,078 | $2,578 | $784 | $2,284 | $295 |
| Heritage Hills, NY | $400 | $1,938 | $2,338 | $1,409 | $1,809 | $530 |
| Brewster Hill, NY | $2,500 | $1,370 | $3,870 | $996 | $3,496 | $374 |
| Woodstock, NY | $500 | $945 | $1,445 | $687 | $1,187 | $258 |
| Maywood, NJ | $700 | $849 | $1,549 | $617 | $1,317 | $232 |
| White Mills, PA | $400 | $622 | $1,022 | $452 | $852 | $170 |
| Honesdale, PA | $2,500 | $636 | $3,136 | $462 | $2,962 | $174 |
| Home Insurance Company Scotchtown, NY | Homeowners Insurance Agency Scotchtown, NY | Address | Popularity Score | Distance from Scotchtown (miles) |
|---|---|---|---|---|
| Travelers | Scavone Insurance Center | 470 Mamaroneck Ave Ste 205, White Plains, NY, 10605 | 44.4 | |
| Travelers | The Rey Insurance Agency Inc | 219 N Broadway, Sleepy Hollow, NY, 10591 | 37.8 | |
| State Farm | De Anne Gleeson | 809 Route 211 E, Middletown, NY, 10941-1443 | 1.0 | |
| Travelers | Bnc Insurance Agency Inc | 111 S Ridge St Ste Flr3 , Rye Brook, NY, 10573 | 47.5 | |
| Allstate | Ryan Cosgrove | 402 Mamaroneck Ave, White Plains, NY, 10605 | 44.3 | |
| State Farm | Juan Rosario | 563 E Tremont Ave Ste A, Bronx, NY, 10457-4655 | 49.9 | |
| State Farm | Julio Tejada | 1206 St Nicholas Ave, New York, NY, 10032-1907 | 49.1 | |
| State Farm | Jim Hockemeyer | 265 W 231st St, Bronx, NY, 10463-3903 | 47.6 | |
| Travelers | Parsons-Di Salvo Agency | 121 Yonkers Ave, Yonkers, NY, 10701 | 45.0 | |
| State Farm | Bill Gaffney | 24 State Route 17k, Newburgh, NY, 12550-3911 | 16.3 |
| 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 |
| Orange County, NY | $260,300 | $964 | $650 | $1,330 | $680 |
| Scotchtown, NY | $250,400 | $806 | $590 | $1,140 | $550 |
| Hardyston, NJ | $257,600 | $807 | $570 | $1,140 | $570 |
| Montrose, NY | $359,700 | $1,550 | $1,050 | $2,150 | $1,100 |
| Branchville, NJ | $265,700 | $976 | $710 | $1,360 | $650 |
| Allendale, NJ | $682,100 | $1,091 | $770 | $1,510 | $740 |
| Heritage Hills, NY | $421,100 | $1,962 | $1,410 | $2,730 | $1,320 |
| Brewster Hill, NY | $333,000 | $1,387 | $940 | $1,970 | $1,030 |
| Woodstock, NY | $325,800 | $956 | $640 | $1,310 | $670 |
| Maywood, NJ | $373,200 | $859 | $610 | $1,180 | $570 |
| White Mills, PA | $114,900 | $630 | $450 | $900 | $450 |
| Honesdale, PA | $121,000 | $644 | $440 | $910 | $470 |