Gavop tells you how to get the best homeowners insurance in Otsego 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 | $59,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $122,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $144,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $185,000 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $343,000 | $280,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $501 |
| Superior Protection Discount | -$61 | $550 |
| Fire & Security Discount | -$43 | $568 |
| Hail Resistant Roof Discount | -$12 | $599 |
| Newly Constructed Home Discount | -$159 | $452 |
| 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 |
| Otsego County | $1,000 | $604 | $1,604 | $439 | $1,439 | $165 |
| Otsego County, NY | $2,000 | $604 | $2,604 | $439 | $2,439 | $165 |
| Hartwick, NY | $300 | $680 | $980 | $494 | $794 | $186 |
| Decatur, NY | $2,000 | $645 | $2,645 | $469 | $2,469 | $176 |
| Sharon, NY | $300 | $638 | $938 | $464 | $764 | $174 |
| Canajoharie, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| McDonough, NY | $200 | $584 | $784 | $424 | $624 | $160 |
| Georgetown, NY | $1,000 | $586 | $1,586 | $426 | $1,426 | $160 |
| Norway, NY | $300 | $585 | $885 | $425 | $725 | $160 |
| Johnstown, NY | $2,500 | $940 | $3,440 | $683 | $3,183 | $257 |
| Lexington, NY | $500 | $788 | $1,288 | $573 | $1,073 | $215 |
| Wampsville, NY | $700 | $617 | $1,317 | $448 | $1,148 | $168 |
| Home Insurance Company Otsego County, NY | Homeowners Insurance Agency Otsego County, NY | Address | Popularity Score | Distance from Otsego County (miles) |
|---|---|---|---|---|
| Allstate | Bieritz Agency | 209 Main St, Cooperstown, NY, 13326 | 7.0 | |
| Travelers | The Rowan Group Inc | 131 Oriskany Blvd, Whitesboro, NY, 13492 | 36.4 | |
| Travelers | Donna M Lavigne Agency | 552 Main Street, Cobleskill, NY, 12043 | 27.9 | |
| State Farm | Melissa Manikas | 29 Pioneer St Ste 201, Cooperstown, NY, 13326-1050 | 7.3 | |
| Liberty Mutual Independent | Paul Chapman Insurance Agency Inc. | 1758 Burrstone Rd, New Hartford, NY, 13413 | 34.6 | |
| Allstate | Brabazon Agency | 5327 State Route 23, Windham, NY, 12496 | 45.6 | |
| Liberty Mutual Independent | Neighbors Insurance | 5375 State Highway 7 Ste 2 , Sidney, NY, 13838 | 28.4 | |
| Allstate | Miles B. Marshall | 11 Maple Ave, Hamilton, NY, 13346 | 29.6 | |
| Travelers | Sluiter Agency Inc | 761 Main St, Margaretville, NY, 12455 | 38.5 | |
| Travelers | Jacksland Associates Inc | 343 N Comrie Ave Johnstown, City Of Johnstown, NY, 12095 | 43.5 |
| 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 | $1,610 | $780 |
| Otsego County, NY | $141,900 | $611 | $430 | $870 | $440 |
| Otsego County, NY | $141,900 | $611 | $430 | $870 | $440 |
| Hartwick, NY | $171,100 | $688 | $500 | $980 | $480 |
| Decatur, NY | $154,800 | $653 | $450 | $900 | $450 |
| Sharon, NY | $151,000 | $646 | $470 | $920 | $450 |
| Canajoharie, NY | $99,300 | $591 | $400 | $840 | $440 |
| McDonough, NY | $85,700 | $591 | $400 | $810 | $410 |
| Georgetown, NY | $79,400 | $593 | $420 | $820 | $400 |
| Norway, NY | $103,000 | $592 | $400 | $810 | $410 |
| Johnstown, NY | $88,600 | $952 | $650 | $1,300 | $650 |
| Lexington, NY | $208,800 | $798 | $570 | $1,090 | $520 |
| Wampsville, NY | $137,500 | $624 | $430 | $870 | $440 |