Gavop tells you how to get the best homeowners insurance in Rensselaer County, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $70,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $114,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $243,500 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $191,500 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $520,000 | $440,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $587 |
| Superior Protection Discount | -$70 | $629 |
| Fire & Security Discount | -$77 | $622 |
| Hail Resistant Roof Discount | -$14 | $684 |
| Newly Constructed Home Discount | -$161 | $538 |
| 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 |
| Rensselaer County | $2,000 | $690 | $2,690 | $501 | $2,501 | $189 |
| Rensselaer County, NY | $700 | $690 | $1,390 | $501 | $1,201 | $189 |
| Nassau, NY | $400 | $712 | $1,112 | $518 | $918 | $195 |
| Lanesborough, MA | $700 | $980 | $1,680 | $712 | $1,412 | $268 |
| Clarksburg, MA | $500 | $893 | $1,393 | $649 | $1,149 | $244 |
| Cheshire, MA | $700 | $924 | $1,624 | $671 | $1,371 | $252 |
| Duanesburg, NY | $500 | $663 | $1,163 | $482 | $982 | $181 |
| Claverack, NY | $2,000 | $644 | $2,644 | $468 | $2,468 | $176 |
| Middleburgh, NY | $500 | $592 | $1,092 | $430 | $930 | $162 |
| Hudson Falls, NY | $1,500 | $957 | $2,457 | $695 | $2,195 | $261 |
| Shelburne, MA | $400 | $1,080 | $1,480 | $785 | $1,185 | $295 |
| Charleston, NY | $1,000 | $634 | $1,634 | $461 | $1,461 | $173 |
| Home Insurance Company Rensselaer County, NY | Homeowners Insurance Agency Rensselaer County, NY | Address | Popularity Score | Distance from Rensselaer County (miles) |
|---|---|---|---|---|
| Allstate | John Deutsch | 621 Columbia St, Cohoes, NY, 12047 | 12.4 | |
| State Farm | Mick Butler | 694 5th Ave, Troy, NY, 12182-2331 | 9.3 | |
| State Farm | Tom Roessner | 438 Route 212, Saugerties, NY, 12477-4612 | 49.4 | |
| Travelers | Warner & Foley Inc | 43 Mall, West Sand Lake, NY, 12196 | 6.5 | |
| Travelers | Fire Mark Insurance Agency Inc | 826 E Main St, Cobleskill, NY, 12043 | 48.8 | |
| Travelers | Brad Peck Inc | 1676 Church St, Copake, NY, 12516 | 42.2 | |
| State Farm | John Loughlin | 160 Oakwood Avenue, Troy, NY, 12180-1446 | 8.5 | |
| State Farm | Thomas Rupert | 308 Grooms Rd, Clifton Park, NY, 12065-6211 | 15.4 | |
| Travelers | Schuylerville Ins. | 144 Broad St Po Box 66, Schuylerville, NY, 12871 | 27.2 | |
| State Farm | Pete Sleasman | 108 Main Ave, Wynantskill, NY, 12198-7512 | 6.6 |
| 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 | $830 | $1,660 | $830 |
| Rensselaer County, NY | $183,400 | $698 | $500 | $970 | $470 |
| Rensselaer County, NY | $183,400 | $698 | $470 | $990 | $520 |
| Nassau, NY | $183,900 | $721 | $530 | $990 | $460 |
| Lanesborough, MA | $217,600 | $992 | $710 | $1,410 | $700 |
| Clarksburg, MA | $178,200 | $904 | $620 | $1,250 | $630 |
| Cheshire, MA | $192,600 | $935 | $670 | $1,340 | $670 |
| Duanesburg, NY | $209,200 | $671 | $460 | $930 | $470 |
| Claverack, NY | $202,200 | $652 | $440 | $930 | $490 |
| Middleburgh, NY | $114,800 | $599 | $400 | $830 | $430 |
| Hudson Falls, NY | $125,400 | $968 | $700 | $1,350 | $650 |
| Shelburne, MA | $257,700 | $1,093 | $730 | $1,550 | $820 |
| Charleston, NY | $148,900 | $642 | $470 | $880 | $410 |