How Can I Make My Schenectady, NY Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Schenectady, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Schenectady, NY Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $71,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $130,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $105,500 | $80,000 | $100,000-$125,000 |
| 5 Bedroom | $261,500 | $220,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Schenectady, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$191 | $1,003 |
| Superior Protection Discount | -$107 | $1,087 |
| Fire & Security Discount | -$84 | $1,111 |
| Hail Resistant Roof Discount | -$24 | $1,170 |
| Newly Constructed Home Discount | -$263 | $932 |
Choose the Right Deductible for your Schenectady, NY Home | Back to Top
| 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 | $2,000 | $644 | $2,644 | $468 | $2,468 | $176 |
| Schenectady, NY | $2,000 | $1,180 | $3,180 | $857 | $2,857 | $322 |
| Guilderland, NY | $300 | $914 | $1,214 | $664 | $964 | $250 |
| Voorheesville, NY | $700 | $865 | $1,565 | $628 | $1,328 | $236 |
| Albany, NY | $400 | $661 | $1,061 | $481 | $881 | $181 |
| New Scotland, NY | $1,500 | $784 | $2,284 | $570 | $2,070 | $214 |
| Tribes Hill, NY | $100 | $591 | $691 | $429 | $529 | $161 |
| Charleston, NY | $1,000 | $634 | $1,634 | $461 | $1,461 | $173 |
| Ravena, NY | $400 | $660 | $1,060 | $480 | $880 | $180 |
| Greenfield, NY | $2,000 | $754 | $2,754 | $548 | $2,548 | $206 |
| Old Bennington, VT | $400 | $980 | $1,380 | $712 | $1,112 | $268 |
| Hudson, NY | $2,000 | $677 | $2,677 | $492 | $2,492 | $185 |
Identify Top Home Insurance Agents near Schenectady, NY | Back to Top
| Home Insurance Company Schenectady, NY | Homeowners Insurance Agency Schenectady, NY | Address | Popularity Score | Distance from Schenectady (miles) |
|---|---|---|---|---|
| State Farm | Amy Aldrich | 123 Saratoga Rd, Glenville, NY, 12302-4237 | 4.0 | |
| Liberty Mutual Independent | Hms Agency Inc | 454 Sand Creek Rd, Albany, NY, 12205 | 8.5 | |
| Allstate | Tim Berryhill | 1789 Western Ave, Albany, NY, 12203 | 8.3 | |
| Travelers | Beltzer-Dimura Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 9.4 | |
| State Farm | Tom Roessner | 438 Route 212, Saugerties, NY, 12477-4612 | 49.7 | |
| State Farm | Becky Ianniello | 4 Executive Park Dr Ste 2, Albany, NY, 12203-3717 | 9.2 | |
| State Farm | Charlie Palmer | 119 Mohawk Ave, Scotia, NY, 12302-2247 | 2.4 | |
| Erie | Empire Region Insurance Agency | 4 Avis Drive Suite 108, Latham, NY, 12110 | 8.3 | |
| State Farm | John Craig | 481 Saratoga Rd, Scotia, NY, 12302-5451 | 6.0 | |
| State Farm | Stephanie Mahoney | 3770 Carman Road, Schenectady, NY, 12303-5670 | 5.4 |
Compare Rates for Schenectady, NY Home Insurance Providers | Back to Top
| 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 | $850 | $1,660 | $810 |
| Schenectady County, NY | $164,100 | $652 | $440 | $930 | $490 |
| Schenectady, NY | $110,800 | $1,194 | $820 | $1,650 | $830 |
| Guilderland, NY | $251,500 | $925 | $620 | $1,280 | $660 |
| Voorheesville, NY | $230,100 | $875 | $590 | $1,220 | $630 |
| Albany, NY | $171,900 | $669 | $490 | $960 | $470 |
| New Scotland, NY | $247,000 | $794 | $530 | $1,090 | $560 |
| Tribes Hill, NY | $114,500 | $598 | $420 | $840 | $420 |
| Charleston, NY | $148,900 | $642 | $430 | $910 | $480 |
| Ravena, NY | $162,200 | $668 | $460 | $940 | $480 |
| Greenfield, NY | $238,200 | $763 | $530 | $1,040 | $510 |
| Old Bennington, VT | $347,100 | $992 | $710 | $1,360 | $650 |
| Hudson, NY | $189,400 | $685 | $470 | $970 | $500 |
Research Home Insurance Companies Reviews in Schenectady, NY Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: September 07, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
Liberty Mutual's premium and deductible are cost effective. I saved a lot of money by switching to them from my previous company which I had for over ten years.
Allstate Home Insurance Reviews
Date: July 26, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I haven't had any problems with my insurance. I would give them a 4 because they haven't done something that would classify my customer service experience as "extremely satisfied."
Erie Insurance Home Insurance Reviews
Date: May 29, 2019 Age: 30 to 39 Gender: Married Marital Status: Female
Customer Service
They have always been. Erie responsive to my questions and concerns and they always call me back or get right back to me within a day
GEICO Home Insurance Reviews
Date: August 11, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
With Geico, they completely cover my home insurance for just $20 a month. I have great coverage and it covers everything from theft, and fire, to flooding. I got a great deal.