Gavop shows you how to buy homeowners insurance in Niskayuna, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Niskayuna, NY - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hillcrest Ave, Coniston Rd, Rosendale Rd, Saint Davids Ln, Windsor Ct, Kimberly Ct, Nimitz Rd, Northumberland Dr, Lee Ave, Hillcrest Ln | $308,500 | $250,000 | $350,000-$400,000 | $234,000 | $190,000 | $200,000-$250,000 |
| Consaul Rd, Putnam St, Plum St, Heather Ct, Stuyvesant St, Highland Park Rd, Kensington Ct, Hoover Rd, Harris Dr, Clifton Park Rd | $496,000 | $450,000 | $500,000-$600,000 | $315,500 | $280,000 | $300,000-$350,000 |
| Dorwaldt Blvd, Philomena Dr, Breanna Dr, Climax Ave, Hillcrest Village E, Vrooman Ave, Cambridge Dr, Robins Nest, Millington Rd, Durham Path | $282,000 | $240,000 | $200,000-$250,000 | $219,500 | $200,000 | $200,000-$250,000 |
| Marriott Ave, Bentley Rd, Benjamin Ln, Salem Rd, Starling Ave, Consaul Rd, Grand Blvd, Hereford Way, Hexam Rd, Steers Ave | $243,500 | $230,000 | $250,000-$300,000 | $153,000 | $140,000 | $125,000-$150,000 |
| Somerset St, S Amherst Ave, Dynamo Dr, Poersch Ct, Hempstead Rd, Clayton St, Brookshire Dr, Stoneridge Dr, Inman Rd, Morrow Ave | $370,000 | $330,000 | $250,000-$300,000 | $295,500 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$144 | $704 |
| Superior Protection Discount | -$85 | $764 |
| Fire & Security Discount | -$85 | $764 |
| Hail Resistant Roof Discount | -$25 | $823 |
| Newly Constructed Home Discount | -$204 | $645 |
| 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 |
| Schenectady County | $1,000 | $644 | $1,644 | $468 | $1,468 | $176 |
| Niskayuna, NY | $2,000 | $838 | $2,838 | $609 | $2,609 | $229 |
| New Scotland, NY | $500 | $784 | $1,284 | $570 | $1,070 | $214 |
| North Ballston Spa, NY | $1,000 | $710 | $1,710 | $516 | $1,516 | $194 |
| Rensselaer County, NY | $500 | $690 | $1,190 | $501 | $1,001 | $189 |
| Sand Lake, NY | $1,500 | $731 | $2,231 | $531 | $2,031 | $200 |
| Central Bridge, NY | $400 | $586 | $986 | $426 | $826 | $160 |
| Rensselaerville, NY | $1,000 | $702 | $1,702 | $510 | $1,510 | $192 |
| Cheshire, MA | $400 | $924 | $1,324 | $671 | $1,071 | $252 |
| Hebron, NY | $1,000 | $628 | $1,628 | $457 | $1,457 | $172 |
| Roseboom, NY | $400 | $596 | $996 | $433 | $833 | $163 |
| Home Insurance Company Niskayuna, NY | Homeowners Insurance Agency Niskayuna, NY | Address | Popularity Score | Distance from Niskayuna (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ten Eyck Group | 1924 Western Ave, Albany, NY, 12203 | 7.5 | |
| Nationwide | Douglas A Schulz Llc | 163 Delaware Ave, Delmar, NY, 12054-1313 | 12.4 | |
| State Farm | Jane Hans Wasserbach | 513 Albany Shaker Rd, Loudonville, NY, 12211-1550 | 7.8 | |
| State Farm | Becky Ianniello | 4 Executive Park Dr Ste 2, Albany, NY, 12203-3717 | 8.3 | |
| Erie | Empire Region Insurance Agency | 4 Avis Drive Suite 108, Latham, NY, 12110 | 6.0 | |
| Travelers | Fingar Insurance | 464 Main St, Catskill, NY, 12414 | 40.1 | |
| Erie | The Lyden Group Llc | 282 Ushers Road, Clifton Park, NY, 12065 | 8.3 | |
| Travelers | The Winfield Group Inc | 3 Corporate Dr Ste 200, Clifton Park, NY, 12065 | 6.7 | |
| Allstate | Grapeville Agency | 16 Boulevard Avenue, Catskill, NY, 12414 | 40.7 | |
| Travelers | Kevlin Insurance Agency | 152 W Main St, Johnstown, NY, 12095 | 29.0 |
| 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 | $790 | $1,650 | $860 |
| Schenectady County, NY | $164,100 | $652 | $470 | $910 | $440 |
| Niskayuna, NY | $261,700 | $848 | $590 | $1,200 | $610 |
| New Scotland, NY | $247,000 | $794 | $570 | $1,140 | $570 |
| North Ballston Spa, NY | $182,900 | $719 | $490 | $990 | $500 |
| Rensselaer County, NY | $183,400 | $698 | $480 | $990 | $510 |
| Sand Lake, NY | $231,500 | $740 | $540 | $1,030 | $490 |
| Central Bridge, NY | $79,000 | $593 | $400 | $840 | $440 |
| Rensselaerville, NY | $180,000 | $711 | $480 | $990 | $510 |
| Cheshire, MA | $192,600 | $935 | $670 | $1,320 | $650 |
| Hebron, NY | $145,700 | $636 | $450 | $880 | $430 |
| Roseboom, NY | $119,700 | $603 | $440 | $840 | $400 |