Gavop's guide to buying homeowners insurance in Johnstown, 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.
| Johnstown, 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 | |
| Tryon Pl, Steele Ave, Co Rd 146, Walnut Ave, West St, Matthew St, Glebe St, Jeffers St, Pennsylvania Ave, West St Exd | $147,000 | $140,000 | $125,000-$150,000 | $95,500 | $90,000 | $100,000-$125,000 |
| W Canal St, Soule Rd, Kaufman Rd, Stanton Ter, Eastland Ave, Phelps St, Wells St, Belzano Rd, Grove St, Union Pl | $85,500 | $70,000 | $75,000-$100,000 | $80,500 | $70,000 | $50,000-$75,000 |
| N Comrie Ave, S Melcher St Exd, Irving St, Breckinridge Dr, Mason St, Whitmore Ave, Reese St, Echo Hill Rd, Leto Ln, Co Rd 142 | $116,000 | $110,000 | $125,000-$150,000 | $101,500 | $90,000 | $100,000-$125,000 |
| Lagrange Rd, Noroboro Rd, Charles St, Finch Rd, Co Rd 107, Maplewood Ave, State Rte 30A, Clovercrest Dr, Co Rd 131A, Oakwood Ave | $147,500 | $120,000 | $150,000-$175,000 | $69,500 | $60,000 | $75,000-$100,000 |
| Blanchard Rd, W 1st Ave, Strawberry Hill Rd, Steele Rd, N Bush Rd, S Shore Road Peck Lake, Bush Rd N, Peck Lake Rd, Hulbert Rd, Woodlawn Dr | $109,000 | $90,000 | $100,000-$125,000 | $96,000 | $80,000 | $75,000-$100,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$76 | $876 |
| Home and Two Car | -$152 | $799 |
| Home and Three Car | -$238 | $714 |
| 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 |
| Fulton County | $700 | $1,201 | $1,901 | $873 | $1,573 | $328 |
| Johnstown, NY | $2,000 | $940 | $2,940 | $683 | $2,683 | $257 |
| Fulton County, NY | $200 | $1,201 | $1,401 | $873 | $1,073 | $328 |
| Perth, NY | $700 | $656 | $1,356 | $477 | $1,177 | $179 |
| Central Bridge, NY | $200 | $586 | $786 | $426 | $626 | $160 |
| Niskayuna, NY | $700 | $838 | $1,538 | $609 | $1,309 | $229 |
| Worcester, NY | $400 | $587 | $987 | $426 | $826 | $160 |
| Cooperstown, NY | $1,000 | $1,044 | $2,044 | $759 | $1,759 | $285 |
| North Greenbush, NY | $500 | $678 | $1,178 | $493 | $993 | $185 |
| Coeymans, NY | $700 | $627 | $1,327 | $455 | $1,155 | $171 |
| Remsen, NY | $200 | $592 | $792 | $430 | $630 | $162 |
| Prattsville, NY | $2,500 | $619 | $3,119 | $450 | $2,950 | $169 |
| Home Insurance Company Johnstown, NY | Homeowners Insurance Agency Johnstown, NY | Address | Popularity Score | Distance from Johnstown (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ten Eyck Group | 1924 Western Ave, Albany, NY, 12203 | 33.3 | |
| Erie | Adams Station Insurance Inc. | 423 Kenwood Avenue, Delmar, NY, 12054 | 38.2 | |
| Nationwide | Douglas A Schulz Llc | 163 Delaware Ave, Delmar, NY, 12054-1313 | 38.7 | |
| State Farm | Rob Field | 431 New Scotland Ave, Albany, NY, 12208-2726 | 38.2 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Ave Ste 2 , Schenectady, NY, 12304 | 30.8 | |
| Allstate | Robert J Hoy Agency | 14 Center St, Broadalbin, NY, 12025 | 9.7 | |
| State Farm | Jenny Rulison-Fisch | 3717 State Highway 30 Ste 2, Amsterdam, NY, 12010 | 8.5 | |
| Liberty Mutual Independent | Associates Of Glens Falls | 228 Glen St Glens Falls, Glens Falls, NY, 12801 | 42.4 | |
| Allstate | Florence A. Shaw | 1667 Central Ave, Albany, NY, 12205 | 33.7 | |
| Erie | Empire Region Insurance Agency | 4 Avis Drive Suite 108, Latham, NY, 12110 | 35.0 |
| 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 | $800 | $1,590 | $790 |
| Fulton County, NY | $107,600 | $1,215 | $890 | $1,660 | $770 |
| Johnstown, NY | $88,600 | $952 | $680 | $1,350 | $670 |
| Fulton County, NY | $107,600 | $1,215 | $870 | $1,710 | $840 |
| Perth, NY | $160,300 | $664 | $450 | $920 | $470 |
| Central Bridge, NY | $79,000 | $593 | $410 | $840 | $430 |
| Niskayuna, NY | $261,700 | $848 | $590 | $1,180 | $590 |
| Worcester, NY | $106,300 | $594 | $400 | $830 | $430 |
| Cooperstown, NY | $271,600 | $1,057 | $750 | $1,460 | $710 |
| North Greenbush, NY | $214,400 | $686 | $490 | $980 | $490 |
| Coeymans, NY | $168,600 | $634 | $460 | $890 | $430 |
| Remsen, NY | $115,000 | $599 | $400 | $830 | $430 |
| Prattsville, NY | $139,900 | $627 | $460 | $890 | $430 |