Gavop's guide to buying homeowners insurance in Dutchess County, 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.
| Dutchess County, 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 | |
| Balsam Sq, Verbank Club Rd, Burnham Ct, Sharon Station Rd, Knollwood Ln, Pappas Ln, Little Market St, Grove Way, Canterberry Ct, Old Bulls Head Rd | $320,000 | $260,000 | $300,000-$350,000 | $230,500 | $200,000 | $250,000-$300,000 |
| Broadview Ln, E Fallkill Rd, Delbalso Blvd, Sawkill Ave, Clapp Ave, Caligiuri Ct, Co Rd 16, Bertha Blvd, Pershing Ave, W Meadow Ln | $280,500 | $240,000 | $300,000-$350,000 | $246,000 | $230,000 | $250,000-$300,000 |
| Kaatsbaan Rd, Hoose Blvd, Leather Hill Rd, Eleanor Dr, Grady Hill Ct, Royal Crest Rd, Amber Ct, Richard Rd, Duncan St, Pond Dr E | $170,500 | $160,000 | $125,000-$150,000 | $174,000 | $140,000 | $125,000-$150,000 |
| Bryant Ct, Beaver Brook Rd, Grant St, Quarry Dr, Healey Ln, Graves St, Hudson Ave, Depot Hill Rd, Whalen Dr, Seaman Rd | $237,500 | $200,000 | $200,000-$250,000 | $287,500 | $260,000 | $250,000-$300,000 |
| Mountain Dr, Grace Ln, Thompson St, Summersweet Dr, Brady Brook Farm Rd, Saint Andrews Ln, W End Ave, Evergreen Ln, Clove Valley Rd, Judith Dr | $345,500 | $330,000 | $400,000-$500,000 | $203,000 | $180,000 | $150,000-$175,000 |
| Blueberry Ln, I- 84, E Dorsey Ln, Gifford Ave, Morgan Cir, Brother Rd, Meadow Brook Ln, St Josephs Ter, Tallardy Pl, Gary Dr | $239,000 | $230,000 | $250,000-$300,000 | $190,000 | $180,000 | $175,000-$200,000 |
| Willow Ln, Pin Oak Dr, Shekomeko Rd, Raymond Ave, Oak Summit Rd, Leila Ct, Madison Ave, Wendover Dr, Firehouse Rd, Slate Dock Rd | $365,000 | $310,000 | $400,000-$500,000 | $262,000 | $220,000 | $250,000-$300,000 |
| Kathy Ct, Lewis Rd, Griffin Ln, Pinebrook Dr, Mayapple Rd, Patricia Ln, Story Book Ln, Harmony Farms Dr, Ray Blvd, Rende Dr | $252,000 | $220,000 | $250,000-$300,000 | $176,500 | $160,000 | $175,000-$200,000 |
| Gina Dr, Musselman Dr, Stonykill Rd, Grove St, Joan Ln, Roman Rd, Spencer Ln, Russell Knolls, Ashby Rd, Elks Ln | $204,000 | $190,000 | $200,000-$250,000 | $179,000 | $160,000 | $175,000-$200,000 |
| Oak Hill Rd, Elbern Dr, Fairway Dr, Charles Colman Blvd, Ackert Hook Rd, Eddy Rd, Locust Ln, Hawkins St, Tiger Rd, Red Oaks Mill Rd | $323,000 | $290,000 | $350,000-$400,000 | $237,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $859 |
| Superior Protection Discount | -$90 | $909 |
| Fire & Security Discount | -$70 | $929 |
| Hail Resistant Roof Discount | -$30 | $969 |
| Newly Constructed Home Discount | -$210 | $789 |
| 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 |
| Dutchess County | $2,000 | $987 | $2,987 | $717 | $2,717 | $270 |
| Dutchess County, NY | $2,000 | $987 | $2,987 | $717 | $2,717 | $270 |
| La Grange, NY | $300 | $832 | $1,132 | $605 | $905 | $227 |
| Dover, NY | $1,000 | $788 | $1,788 | $573 | $1,573 | $215 |
| Cornwall, CT | $300 | $1,771 | $2,071 | $1,287 | $1,587 | $484 |
| Bridgewater, CT | $2,000 | $2,052 | $4,052 | $1,491 | $3,491 | $561 |
| Mount Washington, MA | $400 | $1,774 | $2,174 | $1,290 | $1,690 | $485 |
| Lewisboro, NY | $2,500 | $835 | $3,335 | $607 | $3,107 | $228 |
| Crugers, NY | $200 | $1,897 | $2,097 | $1,379 | $1,579 | $518 |
| Goshen, NY | $2,500 | $866 | $3,366 | $629 | $3,129 | $237 |
| Tuxedo, NY | $500 | $2,055 | $2,555 | $1,493 | $1,993 | $562 |
| Neversink, NY | $1,500 | $791 | $2,291 | $575 | $2,075 | $216 |
| Home Insurance Company Dutchess County, NY | Homeowners Insurance Agency Dutchess County, NY | Address | Popularity Score | Distance from Dutchess County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Masterson Insurance Agency Inc | 3107 Route 22, Patterson, NY, 12563 | 18.2 | |
| Travelers | Miscedra & Associates Inc | 84 Patrick Lane Ste 107, Poughkeepsie, NY, 12603 | 8.2 | |
| Liberty Mutual Independent | Clg | 172 Main St, Nanuet, NY, 10954 | 48.0 | |
| State Farm | Eric Jaslow | 41 Route 59, Nyack, NY, 10960-2933 | 46.7 | |
| Liberty Mutual Independent | Kraus-Ritter Insurance | 1081 Main St Suite J, Fishkill, NY, 12524 | 17.4 | |
| Liberty Mutual Independent | Bluestone Brokerage Llc | 84 Business Park Dr Ste 111, Armonk, NY, 10504 | 43.8 | |
| Travelers | Carter-Mgm Insurance Agency Llc | 4 Commerce St, Poughkeepsie, NY, 12603 | 7.9 | |
| Allstate | Frank Perri | 131 N Middletown Rd, Pearl River, NY, 10965 | 49.7 | |
| Allstate | David Cohen | 251 Underhill Ave Ste B, Yorktown Heights, NY, 10598 | 33.5 | |
| Allstate | Tyrone Taylor | 175 Main St Ste 1, Ossining, NY, 10562 | 41.5 |
| 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 | $1,650 | $820 |
| Dutchess County, NY | $275,200 | $999 | $710 | $1,390 | $680 |
| Dutchess County, NY | $275,200 | $999 | $670 | $1,390 | $720 |
| La Grange, NY | $297,100 | $843 | $580 | $1,160 | $580 |
| Dover, NY | $248,300 | $798 | $570 | $1,130 | $560 |
| Cornwall, CT | $439,600 | $1,793 | $1,270 | $2,470 | $1,200 |
| Bridgewater, CT | $495,000 | $2,077 | $1,500 | $2,850 | $1,350 |
| Mount Washington, MA | $430,000 | $1,796 | $1,280 | $2,530 | $1,250 |
| Lewisboro, NY | $648,100 | $845 | $570 | $1,210 | $640 |
| Crugers, NY | $415,100 | $1,920 | $1,320 | $2,630 | $1,310 |
| Goshen, NY | $306,000 | $877 | $630 | $1,210 | $580 |
| Tuxedo, NY | $437,800 | $2,080 | $1,410 | $2,850 | $1,440 |
| Neversink, NY | $209,700 | $801 | $580 | $1,150 | $570 |