Gavop's guide to buying homeowners insurance in Albany 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $67,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $216,000 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $155,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $399,000 | $340,000 | $350,000-$400,000 |
| 5 Bedroom | $509,500 | $480,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $666 |
| Superior Protection Discount | -$71 | $721 |
| Fire & Security Discount | -$79 | $713 |
| Hail Resistant Roof Discount | -$24 | $769 |
| Newly Constructed Home Discount | -$174 | $618 |
| 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 | $2,500 | $783 | $3,283 | $569 | $3,069 | $214 |
| Albany County, NY | $2,500 | $783 | $3,283 | $569 | $3,069 | $214 |
| Coeymans, NY | $400 | $627 | $1,027 | $455 | $855 | $171 |
| Menands, NY | $1,500 | $773 | $2,273 | $561 | $2,061 | $211 |
| Esperance, NY | $500 | $590 | $1,090 | $429 | $929 | $161 |
| Stillwater, NY | $1,000 | $759 | $1,759 | $552 | $1,552 | $208 |
| Richmond, MA | $100 | $1,871 | $1,971 | $1,360 | $1,460 | $511 |
| Tivoli, NY | $700 | $815 | $1,515 | $592 | $1,292 | $223 |
| Glasco, NY | $300 | $834 | $1,134 | $606 | $906 | $228 |
| Pownal, VT | $1,000 | $681 | $1,681 | $495 | $1,495 | $186 |
| Middlefield, NY | $300 | $945 | $1,245 | $686 | $986 | $258 |
| Peru, MA | $2,000 | $909 | $2,909 | $661 | $2,661 | $248 |
| Home Insurance Company Albany County, NY | Homeowners Insurance Agency Albany County, NY | Address | Popularity Score | Distance from Albany County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ten Eyck Group | 1924 Western Ave, Albany, NY, 12203 | 8.8 | |
| State Farm | Diane Williams | 790 Ulster Ave, Kingston, NY, 12401-1710 | 43.9 | |
| State Farm | Jane Bonavita | 210 Delaware Ave, Delmar, NY, 12054-1221 | 8.5 | |
| Allstate | Edward Brys | 1737 Union St Ste 2, Schenectady, NY, 12309 | 15.3 | |
| Liberty Mutual Independent | Ryan & Ryan Insurance Brokers | 400 Stockade Dr, Kingston, NY, 12401 | 45.1 | |
| Travelers | Sierra Insurance Agency | 123 Boices Ln, Kingston, NY, 12401 | 43.0 | |
| State Farm | Becky Ianniello | 4 Executive Park Dr Ste 2, Albany, NY, 12203-3717 | 9.6 | |
| Allstate | Eric C. Woods | 636 Delaware Ave, Delmar, NY, 12054 | 6.5 | |
| Erie | Bradley Agency Llc | 2022 Western Avenue, Albany, NY, 12203 | 8.8 | |
| Allstate | Robert Meyer | 701 Albany Ave, Kingston, NY, 12401 | 45.1 |
| 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 | $780 | $1,590 | $810 |
| Albany County, NY | $214,400 | $792 | $570 | $1,130 | $560 |
| Albany County, NY | $214,400 | $792 | $560 | $1,130 | $570 |
| Coeymans, NY | $168,600 | $634 | $450 | $890 | $440 |
| Menands, NY | $204,100 | $782 | $540 | $1,070 | $530 |
| Esperance, NY | $113,000 | $597 | $430 | $820 | $390 |
| Stillwater, NY | $240,000 | $769 | $560 | $1,100 | $540 |
| Richmond, MA | $445,900 | $1,894 | $1,290 | $2,610 | $1,320 |
| Tivoli, NY | $216,700 | $825 | $560 | $1,180 | $620 |
| Glasco, NY | $221,800 | $844 | $570 | $1,160 | $590 |
| Pownal, VT | $166,200 | $689 | $460 | $960 | $500 |
| Middlefield, NY | $249,700 | $956 | $640 | $1,310 | $670 |
| Peru, MA | $185,800 | $920 | $650 | $1,260 | $610 |