Gavop's guide to buying homeowners insurance in Malta, 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 | $107,000 | $100,000 | $100,000-$125,000 |
| 2 Bedroom | $256,000 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $334,500 | $300,000 | $350,000-$400,000 |
| 4 Bedroom | $311,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $623,500 | $520,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $681 |
| Superior Protection Discount | -$80 | $721 |
| Fire & Security Discount | -$80 | $721 |
| Hail Resistant Roof Discount | -$16 | $785 |
| Newly Constructed Home Discount | -$208 | $593 |
| 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 |
| Saratoga County | $1,000 | $882 | $1,882 | $641 | $1,641 | $241 |
| Malta, NY | $2,000 | $792 | $2,792 | $575 | $2,575 | $216 |
| Princetown, NY | $500 | $779 | $1,279 | $566 | $1,066 | $213 |
| Rensselaer County, NY | $1,500 | $690 | $2,190 | $501 | $2,001 | $189 |
| Washington County, NY | $200 | $609 | $809 | $442 | $642 | $166 |
| South Shaftsbury, VT | $700 | $689 | $1,389 | $500 | $1,200 | $188 |
| Mohawk, NY | $400 | $604 | $1,004 | $439 | $839 | $165 |
| Woodford, VT | $1,000 | $682 | $1,682 | $495 | $1,495 | $186 |
| Palatine, NY | $300 | $583 | $883 | $424 | $724 | $159 |
| New Lebanon, NY | $700 | $767 | $1,467 | $557 | $1,257 | $210 |
| Sharon Springs, NY | $400 | $588 | $988 | $427 | $827 | $161 |
| Cairo, NY | $1,000 | $631 | $1,631 | $459 | $1,459 | $173 |
| Home Insurance Company Malta, NY | Homeowners Insurance Agency Malta, NY | Address | Popularity Score | Distance from Malta (miles) |
|---|---|---|---|---|
| Erie | Knapp Insurance Agency Llc | 238 S Central Avenue, Mechanicville, NY, 12118 | 7.9 | |
| Farmers | Mary Ann Obrien] | 635 Plank Rd, Clifton Park, NY, 12065 | 8.0 | |
| Travelers | Fragomeni Insurance & Financial Inc. | 3257 Rte 9, Saratoga Springs, NY, 12866 | 3.9 | |
| Travelers | Personal Coverage Inc | 220 Church Street, Ballston Spa, NY, 12020 | 3.2 | |
| Travelers | The Winfield Group Inc | 3 Corporate Dr Ste 200, Clifton Park, NY, 12065 | 9.4 | |
| State Farm | Nancy Lefebvre | 2031 Doubleday Ave, Ballston Spa, NY, 12020-1249 | 3.6 | |
| State Farm | Dione Ramsdill | 3076-3 Route 50, Saratoga Springs, NY, 12866-2906 | 6.4 | |
| State Farm | Thomas Rupert | 308 Grooms Rd, Clifton Park, NY, 12065-6211 | 10.0 | |
| State Farm | Ralph Serino | 868 Route 146, Clifton Park, NY, 12065-3818 | 8.1 | |
| State Farm | Laura Squillante | 269 Fairview Ave, Hudson, NY, 12534-1210 | 49.6 |
| 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 | $1,620 | $820 |
| Saratoga County, NY | $243,600 | $893 | $620 | $1,270 | $650 |
| Malta, NY | $249,200 | $801 | $570 | $1,140 | $570 |
| Princetown, NY | $206,000 | $788 | $580 | $1,130 | $550 |
| Rensselaer County, NY | $183,400 | $698 | $500 | $970 | $470 |
| Washington County, NY | $144,900 | $616 | $440 | $850 | $410 |
| South Shaftsbury, VT | $170,000 | $697 | $470 | $950 | $480 |
| Mohawk, NY | $128,200 | $611 | $450 | $840 | $390 |
| Woodford, VT | $166,300 | $690 | $500 | $980 | $480 |
| Palatine, NY | $93,700 | $590 | $420 | $810 | $390 |
| New Lebanon, NY | $202,200 | $776 | $540 | $1,080 | $540 |
| Sharon Springs, NY | $108,900 | $595 | $410 | $820 | $410 |
| Cairo, NY | $170,500 | $639 | $430 | $910 | $480 |