Gavop shows you how to buy homeowners insurance in Fulton County, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $81,000 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $142,000 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $184,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $134,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$231 | $984 |
| Superior Protection Discount | -$122 | $1,094 |
| Fire & Security Discount | -$85 | $1,130 |
| Hail Resistant Roof Discount | -$36 | $1,179 |
| Newly Constructed Home Discount | -$316 | $899 |
| 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 | $2,000 | $1,201 | $3,201 | $873 | $2,873 | $328 |
| Fulton County, NY | $2,000 | $1,201 | $3,201 | $873 | $2,873 | $328 |
| Northampton, NY | $300 | $658 | $958 | $478 | $778 | $180 |
| Broadalbin, NY | $2,500 | $605 | $3,105 | $439 | $2,939 | $165 |
| St. Johnsville, NY | $200 | $585 | $785 | $425 | $625 | $160 |
| Middleburgh, NY | $2,500 | $592 | $3,092 | $430 | $2,930 | $162 |
| Middlefield, NY | $400 | $945 | $1,345 | $686 | $1,086 | $258 |
| Hamilton County, NY | $1,000 | $617 | $1,617 | $449 | $1,449 | $169 |
| Exeter, NY | $200 | $590 | $790 | $429 | $629 | $161 |
| Washington Mills, NY | $700 | $672 | $1,372 | $488 | $1,188 | $184 |
| North Greenbush, NY | $100 | $678 | $778 | $493 | $593 | $185 |
| Boonville, NY | $700 | $589 | $1,289 | $428 | $1,128 | $161 |
| Home Insurance Company Fulton County, NY | Homeowners Insurance Agency Fulton County, NY | Address | Popularity Score | Distance from Fulton County (miles) |
|---|---|---|---|---|
| Travelers | Ten Eyck Group | 1924 Western Ave, Albany, NY, 12203 | 40.2 | |
| Allstate | John Deutsch | 621 Columbia St, Cohoes, NY, 12047 | 42.1 | |
| Allstate | Cheryl Friello | 146 N Comrie Ave, Johnstown, NY, 12095 | 7.8 | |
| Allstate | Cote Agency | 94 Main St, Corinth, NY, 12822 | 31.2 | |
| Erie | Knapp Insurance Agency Llc | 238 S Central Avenue, Mechanicville, NY, 12118 | 40.2 | |
| Allstate | Kinowski Agency Inc | 108 N Perry St, Johnstown, NY, 12095 | 7.9 | |
| Allstate | Salvatore Graziano | 368 Northern Blvd, Albany, NY, 12204 | 45.8 | |
| Allstate | Kinowski Agency Inc | 108 N Perry St, Johnstown, NY, 12095 | 7.9 | |
| State Farm | Charlie Palmer | 119 Mohawk Ave, Scotia, NY, 12302-2247 | 30.8 | |
| State Farm | Elaine Vandecarr | 848 Kenwood Avenue, Slingerlands, NY, 12159-9668 | 44.0 |
| 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 | $850 | $1,620 | $770 |
| Fulton County, NY | $107,600 | $1,215 | $810 | $1,740 | $930 |
| Fulton County, NY | $107,600 | $1,215 | $870 | $1,730 | $860 |
| Northampton, NY | $161,500 | $666 | $450 | $940 | $490 |
| Broadalbin, NY | $157,300 | $612 | $440 | $860 | $420 |
| St. Johnsville, NY | $80,600 | $592 | $400 | $830 | $430 |
| Middleburgh, NY | $114,800 | $599 | $430 | $860 | $430 |
| Middlefield, NY | $249,700 | $956 | $640 | $1,370 | $730 |
| Hamilton County, NY | $164,000 | $625 | $450 | $860 | $410 |
| Exeter, NY | $112,500 | $597 | $410 | $840 | $430 |
| Washington Mills, NY | $167,500 | $680 | $480 | $940 | $460 |
| North Greenbush, NY | $214,400 | $686 | $470 | $950 | $480 |
| Boonville, NY | $110,300 | $596 | $400 | $820 | $420 |