Gavop shows you how to buy homeowners insurance in Westmere, 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 | $74,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $125,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $273,000 | $250,000 | $250,000-$300,000 |
| 4 Bedroom | $397,500 | $340,000 | $400,000-$500,000 |
| 5 Bedroom | $401,000 | $350,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $619 |
| Superior Protection Discount | -$68 | $686 |
| Fire & Security Discount | -$53 | $702 |
| Hail Resistant Roof Discount | -$23 | $732 |
| Newly Constructed Home Discount | -$151 | $603 |
| 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 |
| Albany County | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Westmere, NY | $2,000 | $745 | $2,745 | $542 | $2,542 | $204 |
| Stuyvesant, NY | $400 | $811 | $1,211 | $589 | $989 | $222 |
| Hagaman, NY | $700 | $622 | $1,322 | $452 | $1,152 | $170 |
| Saratoga, NY | $200 | $678 | $878 | $493 | $693 | $185 |
| Leeds, NY | $1,500 | $696 | $2,196 | $505 | $2,005 | $190 |
| Wilton, NY | $200 | $876 | $1,076 | $637 | $837 | $240 |
| Canajoharie, NY | $2,500 | $584 | $3,084 | $424 | $2,924 | $160 |
| Lexington, NY | $400 | $788 | $1,188 | $573 | $973 | $215 |
| Tivoli, NY | $2,000 | $815 | $2,815 | $592 | $2,592 | $223 |
| Searsburg, VT | $300 | $646 | $946 | $470 | $770 | $177 |
| Schenevus, NY | $1,000 | $585 | $1,585 | $425 | $1,425 | $160 |
| Home Insurance Company Westmere, NY | Homeowners Insurance Agency Westmere, NY | Address | Popularity Score | Distance from Westmere (miles) |
|---|---|---|---|---|
| Travelers | Twin Bridges Insurance Agency Inc | 1873 Western Ave Ste 204, Albany, NY, 12203 | 0.3 | |
| State Farm | Amy Aldrich | 123 Saratoga Rd, Glenville, NY, 12302-4237 | 12.3 | |
| Travelers | Dinsmore Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 7.1 | |
| Erie | Empire Region Insurance Agency | 4 Avis Drive Suite 108, Latham, NY, 12110 | 6.6 | |
| Travelers | Helsmoortel Insurance Agency Inc | 148 Burt Street, Saugerties, NY, 12477 | 43.2 | |
| Travelers | Fragomeni Insurance & Financial Inc. | 3257 Route 9, Saratoga Springs, NY, 12866 | 24.6 | |
| Farmers | James Obrien] | 601 Watervliet Shaker Rd, Latham, NY, 12110 | 6.5 | |
| Allstate | Coyne Insurance Agency | 146 Columbia Tpke, Rensselaer, NY, 12144 | 8.4 | |
| Nationwide | The Scarantino Agency Inc | 1761 State St, Schenectady, NY, 12304-1829 | 6.6 | |
| Travelers | Anatriello Agency Inc | 79 Woodlawn Dr, Ravena, NY, 12143 | 15.8 |
| 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 | $850 | $1,610 | $760 |
| Albany County, NY | $214,400 | $792 | $530 | $1,100 | $570 |
| Westmere, NY | $235,800 | $754 | $540 | $1,070 | $530 |
| Stuyvesant, NY | $215,500 | $821 | $590 | $1,120 | $530 |
| Hagaman, NY | $141,700 | $630 | $460 | $900 | $440 |
| Saratoga, NY | $214,300 | $686 | $470 | $970 | $500 |
| Leeds, NY | $177,500 | $704 | $500 | $1,000 | $500 |
| Wilton, NY | $271,500 | $887 | $640 | $1,230 | $590 |
| Canajoharie, NY | $99,300 | $591 | $400 | $820 | $420 |
| Lexington, NY | $208,800 | $798 | $540 | $1,090 | $550 |
| Tivoli, NY | $216,700 | $825 | $560 | $1,140 | $580 |
| Searsburg, VT | $150,000 | $654 | $440 | $900 | $460 |
| Schenevus, NY | $102,300 | $592 | $430 | $820 | $390 |