Gavop shows you how to buy homeowners insurance in Montgomery, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Montgomery, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| St Andrews Rd, Crossing Ln, Emerson Ter, Grant St, Mills Pl, Whitney Ln, Coldenham Rd, Old Hemlock Dr, S Montgomery St, Lake Osiris Rd | $293,000 | $240,000 | $350,000-$400,000 | $205,500 | $180,000 | $175,000-$200,000 |
| Water Wheel Dr, Bradley Ln, Feistma Ln, Fawn Cir, Raz Ave, Wayland Way, Enterprise Dr, Thistle Dr, Heard Ave, Harmony St | $426,500 | $370,000 | $400,000-$500,000 | $191,500 | $180,000 | $200,000-$250,000 |
| Jessup St, Chris Ln, Meadow Lark Rd, Piper Dr, Q St, Robert Frost Ln, Wintergreen Ct, Saint Andrews Rd, Northern Ave, Harts Ln | $295,000 | $250,000 | $300,000-$350,000 | $234,000 | $200,000 | $175,000-$200,000 |
| Gateway Ct, F St, Sunnyside Ave, Kale Ln, Pleasant Ave, Shawangunk Rd, Orange Lake Rd, Sadlier Pl, Maclean Dr, Hillington Rd | $247,500 | $220,000 | $250,000-$300,000 | $185,500 | $160,000 | $200,000-$250,000 |
| Co Rd 52, Jackson Ave, Hammer Ln, Snowden Dr, Co Rd 54, Wagner Dr, Werner Ct, Larch Ave, Clark Pl, Windsor Ter | $307,500 | $270,000 | $350,000-$400,000 | $174,500 | $150,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $597 |
| Superior Protection Discount | -$66 | $670 |
| Fire & Security Discount | -$59 | $678 |
| Hail Resistant Roof Discount | -$22 | $715 |
| Newly Constructed Home Discount | -$192 | $545 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,368 |
| Hail Damage | $4,476 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,218 |
| Home Insurance Company Montgomery, NY | Homeowners Insurance Agency Montgomery, NY | Address | Popularity Score | Distance from Montgomery (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | William A Smith & Son Inc | 380 Broadway, Newburgh, NY, 12550 | 9.9 | |
| State Farm | John O'Brien | 2016 Central Park Ave, Yonkers, NY, 10710-2444 | 44.0 | |
| State Farm | De Anne Gleeson | 809 Route 211 E, Middletown, NY, 10941-1443 | 8.9 | |
| Liberty Mutual Independent | William A Smith & Son Inc | 380 Broadway, Newburgh, NY, 12550 | 9.9 | |
| Travelers | Coughlin Insurance Services | 178 Myrtle Blvd, Larchmont, NY, 10538 | 48.0 | |
| Travelers | John G Lambros Co Inc | 4 W Red Oak Ln Ste 305, White Plains, NY, 10604 | 44.1 | |
| Allstate | Joseph Giardina | 14 Mill Rd, Eastchester, NY, 10709 | 45.3 | |
| State Farm | Fred Hockemeyer | 726 E 233rd St, Bronx, NY, 10466-3202 | 48.3 | |
| Travelers | Dart Brokerage Corp | 578 E Fordham Road, Bronx, NY, 10458 | 49.9 | |
| Allstate | Lawrence Caufield | 96 State Route 302, Pine Bush, NY, 12566 | 6.7 |
| 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 | $780 | $1,640 | $860 |
| Orange County, NY | $260,300 | $964 | $650 | $1,320 | $670 |
| Montgomery, NY | $230,500 | $737 | $520 | $1,020 | $500 |
| Wawarsing, NY | $138,800 | $581 | $390 | $820 | $430 |
| Montrose, NY | $359,700 | $1,550 | $1,120 | $2,220 | $1,100 |
| Hamburg, NJ | $185,100 | $826 | $560 | $1,170 | $610 |
| Zena, NY | $255,800 | $983 | $700 | $1,350 | $650 |
| Emerson, NJ | $465,600 | $982 | $720 | $1,370 | $650 |
| Hawthorne, NJ | $377,700 | $868 | $620 | $1,240 | $620 |
| Jefferson, NJ | $327,300 | $919 | $630 | $1,260 | $630 |
| Birchwood Lakes, PA | $135,200 | $675 | $480 | $970 | $490 |
| Lake Mohawk, NJ | $341,600 | $801 | $540 | $1,140 | $600 |
| Bogota, NJ | $316,100 | $1,070 | $770 | $1,520 | $750 |