Gavop's guide to buying homeowners insurance in Mechanicstown, NY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $64,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $180,500 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $285,500 | $240,000 | $300,000-$350,000 |
| 4 Bedroom | $319,500 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $355,000 | $320,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $565 |
| Superior Protection Discount | -$59 | $598 |
| Fire & Security Discount | -$72 | $585 |
| Hail Resistant Roof Discount | -$20 | $637 |
| Newly Constructed Home Discount | -$138 | $519 |
| 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 |
| Orange County | $1,500 | $952 | $2,452 | $692 | $2,192 | $260 |
| Mechanicstown, NY | $2,000 | $649 | $2,649 | $472 | $2,472 | $177 |
| Chester, NY | $200 | $904 | $1,104 | $657 | $857 | $247 |
| Hillburn, NY | $1,500 | $1,181 | $2,681 | $858 | $2,358 | $323 |
| Ogdensburg, NJ | $400 | $885 | $1,285 | $643 | $1,043 | $242 |
| New Square, NY | $1,500 | $1,401 | $2,901 | $1,018 | $2,518 | $383 |
| Bethel, NY | $100 | $681 | $781 | $495 | $595 | $186 |
| Narrowsburg, NY | $2,500 | $663 | $3,163 | $482 | $2,982 | $181 |
| White Meadow Lake, NJ | $500 | $796 | $1,296 | $578 | $1,078 | $217 |
| Brookdale, NJ | $2,000 | $822 | $2,822 | $597 | $2,597 | $225 |
| Mountainhome, PA | $300 | $695 | $995 | $505 | $805 | $190 |
| Maplewood, NJ | $1,500 | $943 | $2,443 | $685 | $2,185 | $258 |
| Home Insurance Company Mechanicstown, NY | Homeowners Insurance Agency Mechanicstown, NY | Address | Popularity Score | Distance from Mechanicstown (miles) |
|---|---|---|---|---|
| State Farm | Jim Demaio | 246 Main St Ste 12, New Paltz, NY, 12561-1621 | 26.1 | |
| Nationwide | Paul A. Morais | 156 Main Street, Chester, NY, 10918-0128 | 8.9 | |
| Allstate | Esther Jordan | 46 Tiemann Pl Near Broadway, New York, NY, 10027 | 49.2 | |
| Allstate | Victor Varela | 280 N Bedford Rd Ste 103, Mount Kisco, NY, 10549 | 38.4 | |
| Travelers | Lhb Insurance Brokerage Inc | 176 N Main St Rte 45, Spring Valley, NY, 10977 | 29.1 | |
| Allstate | Gary Trabucco | 234 Main St, New Paltz, NY, 12561 | 26.1 | |
| Travelers | Clifton Patrick | 119 Brookside Ave, Chester, NY, 10918 | 8.2 | |
| Allstate | Albert Gargiulo | 1 Wolfs Ln Ste 5and6, Pelham, NY, 10803 | 48.0 | |
| State Farm | James Payoute | 19 Mill St, Port Chester, NY, 10573-3326 | 48.9 | |
| Allstate | Lynda Chervil | 1071 Yonkers Ave, Yonkers, NY, 10704 | 46.3 |
| 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 | $1,620 | $770 |
| Orange County, NY | $260,300 | $964 | $700 | $1,340 | $640 |
| Mechanicstown, NY | $204,100 | $657 | $450 | $930 | $480 |
| Chester, NY | $278,300 | $915 | $620 | $1,300 | $680 |
| Hillburn, NY | $298,800 | $1,195 | $800 | $1,710 | $910 |
| Ogdensburg, NJ | $221,300 | $896 | $650 | $1,260 | $610 |
| New Square, NY | $338,200 | $1,418 | $1,040 | $1,940 | $900 |
| Bethel, NY | $171,500 | $689 | $480 | $950 | $470 |
| Narrowsburg, NY | $163,400 | $671 | $490 | $930 | $440 |
| White Meadow Lake, NJ | $344,500 | $806 | $570 | $1,140 | $570 |
| Brookdale, NJ | $359,000 | $832 | $590 | $1,190 | $600 |
| Mountainhome, PA | $148,700 | $703 | $480 | $1,010 | $530 |
| Maplewood, NJ | $484,800 | $955 | $700 | $1,350 | $650 |