How Can I Make My Saratoga Springs, NY Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Saratoga Springs, 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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Estimate Appropriate Saratoga Springs, NY Home Insurance Coverage Levels | Back to Top

Saratoga Springs, 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
Diamond St, E Harrison St, Campion Ln, Union Ave, Rock St, James St, Duplainville Rd, Crommelin Pl, State St, Tommy Luther Dr $389,000 $320,000 $400,000-$500,000 $280,000 $250,000 $200,000-$250,000
Ave D, Orenda Spring Dr, Pearl St, Turner Dr, Leaward Way, Peppers Aly, Karen Dr, Federal St, Madison Ave, Martin Ave $210,000 $170,000 $200,000-$250,000 $164,000 $150,000 $150,000-$175,000
Granite St, Marvin Pl, Whitney Pl, S Broadway, Oak St, P D Harris Rd, Jackson St, Conver Dr, Stonequist Apartment, Cottage Pl $315,000 $280,000 $300,000-$350,000 $164,000 $150,000 $175,000-$200,000
Crescent St, Hutchins Rd, Eastman Ln, Avery St, Lakeview Rd, Clubhouse Dr, Adams St, Tamarack Trl, Thoroughbred Dr, Brackett Ln $407,000 $360,000 $300,000-$350,000 $200,000 $180,000 $200,000-$250,000
Plington Ln, Rolling Brook Dr, Santana Ct, Walter Dr, Summerfield Ln, Tipton Ln, Mohegan Ct, Vermont St, Winding Brook Dr, Dunham Rd $424,500 $400,000 $350,000-$400,000 $310,000 $250,000 $250,000-$300,000

Estimate your Savings with Home Insurance Discounts in Saratoga Springs, NY | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$175 $854
Superior Protection Discount -$103 $927
Fire & Security Discount -$72 $957
Hail Resistant Roof Discount -$21 $1,009
Newly Constructed Home Discount -$226 $803

Choose the Right Deductible for your Saratoga Springs, 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
Saratoga County $700 $882 $1,582 $641 $1,341 $241
Saratoga Springs, NY $1,000 $1,017 $2,017 $739 $1,739 $278
Wilton, NY $500 $876 $1,376 $637 $1,137 $240
Round Lake, NY $2,500 $778 $3,278 $565 $3,065 $212
Lake Luzerne, NY $500 $667 $1,167 $485 $985 $182
Colonie, NY $700 $826 $1,526 $600 $1,300 $226
Westmere, NY $400 $745 $1,145 $542 $942 $204
Tribes Hill, NY $2,000 $591 $2,591 $429 $2,429 $161
Fonda, NY $100 $586 $686 $426 $526 $160
Oppenheim, NY $1,500 $583 $2,083 $424 $1,924 $159
Cheshire, MA $200 $924 $1,124 $671 $871 $252
Wilmington, VT $2,000 $802 $2,802 $583 $2,583 $219

Identify Top Home Insurance Agents near Saratoga Springs, NY | Back to Top

Home Insurance Company Saratoga Springs, NY Homeowners Insurance Agency Saratoga Springs, NY Address Popularity Score Distance from Saratoga Springs (miles)
Erie Lighthouse Insurance Agency Llc 4 Main Street, Ballston Lake, NY, 12019
11.9
State Farm Sherry Hoffman 418 Geyser Road, Ballston Spa, NY, 12020-6002
3.7
State Farm Rob Field 431 New Scotland Ave, Albany, NY, 12208-2726
28.6
Allstate Edward Brys 1737 Union St Ste 2, Schenectady, NY, 12309
19.3
Travelers Walenta & Co Agency Inc 10734 Rt 32, Greenville, NY, 12083
47.8
Travelers Debra Lamay 2537 Route 9 Ste 200, Malta, NY, 12020
6.5
Travelers Streever Agency Inc 84 Milton Ave, Ballston Spa, NY, 12020
5.7
Travelers Fragomeni Insurance & Financial Inc. 3257 Route 9, Saratoga Springs, NY, 12866
2.1
Travelers Fragomeni Insurance & Financial Inc. 3257 Rte 9, Saratoga Springs, NY, 12866
2.1
Travelers Commercial Coverage Inc 220 Church Ave, Ballston Spa, NY, 12020
6.5

Compare Rates for Saratoga Springs, NY Home Insurance Providers | Back to Top

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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
Saratoga County, NY $243,600 $893 $610 $1,280 $670
Saratoga Springs, NY $343,200 $1,029 $690 $1,430 $740
Wilton, NY $271,500 $887 $600 $1,260 $660
Round Lake, NY $205,700 $787 $560 $1,130 $570
Lake Luzerne, NY $165,400 $675 $480 $920 $440
Colonie, NY $226,600 $836 $600 $1,160 $560
Westmere, NY $235,800 $754 $510 $1,030 $520
Tribes Hill, NY $114,500 $598 $430 $840 $410
Fonda, NY $78,500 $593 $430 $840 $410
Oppenheim, NY $88,900 $590 $430 $810 $380
Cheshire, MA $192,600 $935 $650 $1,320 $670
Wilmington, VT $240,900 $812 $540 $1,140 $600