Saratoga Springs, NY Homeowners Insurance - How To Buy Guide

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

Choose the Best Saratoga Springs, NY Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 500-549 Credit Score No Income 2 Pets, Non-Smoker $3,790
Freelancer Up to 499 Credit Score $100 to $150,000 1 Pet, Smoker $690
Unemployed 700-749 Credit Score <$25,000 More than 3 Pets at home, Smoker $2,450

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
New York $100 $1,360 $1,460 $1,180 $1,280 $180
Saratoga County, NY $700 $910 $1,410 $740 $1,440 $-30
Saratoga Springs, NY $1,000 $1,580 $2,080 $1,290 $2,290 $-210
Wilton, NY $500 $1,090 $1,590 $920 $1,420 $170
Round Lake, NY $2,500 $740 $1,240 $630 $3,130 $-1,890
Lake Luzerne, NY $500 $690 $1,190 $590 $1,090 $100
Colonie, NY $700 $1,070 $1,570 $900 $1,600 $-30
Westmere, NY $400 $1,120 $1,520 $920 $1,320 $200
Tribes Hill, NY $2,000 $650 $1,150 $560 $2,560 $-1,410
Fonda, NY $100 $440 $540 $380 $480 $60
Oppenheim, NY $1,500 $400 $900 $350 $1,850 $-950
Cheshire, MA $200 $860 $1,060 $720 $920 $140
Wilmington, VT $2,000 $930 $1,430 $780 $2,780 $-1,350

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 $295,300 $1,270 $910 $1,800 $890
Saratoga County, NY $227,700 $1,120 $810 $1,550 $740
Saratoga Springs, NY $290,800 $1,720 $1,240 $2,460 $1,220
Wilton, NY $242,100 $1,090 $780 $1,550 $770
Round Lake, NY $191,600 $770 $560 $1,090 $530
Lake Luzerne, NY $174,500 $910 $620 $1,250 $630
Colonie, NY $221,400 $970 $700 $1,390 $690
Westmere, NY $219,200 $1,010 $700 $1,400 $700
Tribes Hill, NY $127,000 $750 $540 $1,030 $490
Fonda, NY $83,400 $380 $260 $540 $280
Oppenheim, NY $81,800 $380 $280 $540 $260
Cheshire, MA $197,300 $950 $640 $1,350 $710
Wilmington, VT $232,300 $1,300 $900 $1,830 $930