Gavop's guide to buying homeowners insurance in Schoharie 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 | $50,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $100,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $144,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $212,500 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $345,000 | $280,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $521 |
| Superior Protection Discount | -$55 | $558 |
| Fire & Security Discount | -$67 | $546 |
| Hail Resistant Roof Discount | -$18 | $595 |
| Newly Constructed Home Discount | -$172 | $441 |
| 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 |
| Schoharie County | $1,500 | $606 | $2,106 | $440 | $1,940 | $166 |
| Schoharie County, NY | $1,000 | $606 | $1,606 | $440 | $1,440 | $166 |
| Esperance, NY | $400 | $590 | $990 | $429 | $829 | $161 |
| Palatine, NY | $700 | $583 | $1,283 | $424 | $1,124 | $159 |
| Schenectady, NY | $100 | $1,180 | $1,280 | $857 | $957 | $322 |
| Broadalbin, NY | $700 | $605 | $1,305 | $439 | $1,139 | $165 |
| Ballston, NY | $100 | $906 | $1,006 | $659 | $759 | $248 |
| Delaware County, NY | $2,000 | $598 | $2,598 | $435 | $2,435 | $163 |
| Stratford, NY | $200 | $583 | $783 | $424 | $624 | $159 |
| Brunswick, NY | $1,000 | $681 | $1,681 | $495 | $1,495 | $186 |
| Stillwater, NY | $500 | $759 | $1,259 | $552 | $1,052 | $208 |
| Saratoga County, NY | $1,500 | $882 | $2,382 | $641 | $2,141 | $241 |
| Home Insurance Company Schoharie County, NY | Homeowners Insurance Agency Schoharie County, NY | Address | Popularity Score | Distance from Schoharie County (miles) |
|---|---|---|---|---|
| State Farm | Diane Williams | 790 Ulster Ave, Kingston, NY, 12401-1710 | 49.7 | |
| Travelers | Putman Insurance Agency Inc | 164 Guy Park Ave, Amsterdam, NY, 12010 | 27.3 | |
| Travelers | Fragomeni Insurance & Financial Inc. | 3257 Route 9, Saratoga Springs, NY, 12866 | 45.2 | |
| Travelers | Commercial Coverage Inc | 220 Church Ave, Ballston Spa, NY, 12020 | 40.6 | |
| Farmers | James Obrien] | 601 Watervliet Shaker Rd, Latham, NY, 12110 | 35.8 | |
| Travelers | The Valley Group Inc | 407 Hurley Ave Ext, Kingston, NY, 12401 | 49.6 | |
| Travelers | Stanley H Calkins Inc | 35 E Saratoga Ave, Waterford, NY, 12188 | 40.0 | |
| Nationwide | The Scarantino Agency Inc | 1761 State St, Schenectady, NY, 12304-1829 | 30.2 | |
| Erie | Bradley Agency Llc | 2022 Western Avenue, Albany, NY, 12203 | 29.1 | |
| State Farm | Nicolas Morales | 142 Central Ave, Albany, NY, 12206-2901 | 34.5 |
| 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 | $800 | $1,640 | $840 |
| Schoharie County, NY | $143,300 | $613 | $440 | $860 | $420 |
| Schoharie County, NY | $143,300 | $613 | $420 | $840 | $420 |
| Esperance, NY | $113,000 | $597 | $420 | $830 | $410 |
| Palatine, NY | $93,700 | $590 | $420 | $830 | $410 |
| Schenectady, NY | $110,800 | $1,194 | $820 | $1,710 | $890 |
| Broadalbin, NY | $157,300 | $612 | $420 | $850 | $430 |
| Ballston, NY | $278,800 | $917 | $610 | $1,300 | $690 |
| Delaware County, NY | $138,000 | $605 | $440 | $840 | $400 |
| Stratford, NY | $96,300 | $590 | $420 | $820 | $400 |
| Brunswick, NY | $215,100 | $689 | $500 | $940 | $440 |
| Stillwater, NY | $240,000 | $769 | $520 | $1,070 | $550 |
| Saratoga County, NY | $243,600 | $893 | $630 | $1,230 | $600 |