Gavop's guide to buying homeowners insurance in Schenectady County, 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.
| Schenectady County, 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 | |
| Marilyn Dr, Park St, Salina St, Market St, Edison Ave, Wren St, County 1Rp, Fiddler Rd, Co Rd 143, 14th St | $144,500 | $140,000 | $100,000-$125,000 | $100,000 | $90,000 | $100,000-$125,000 |
| Rockwood Ln, Romano Dr, Old Troy Rd, Inner Dr, Peter Rd, Riverdale Rd, Booth Ave, Outer Dr, Greens Farms Rd, Pershing Dr | $244,000 | $210,000 | $200,000-$250,000 | $132,000 | $120,000 | $125,000-$150,000 |
| Mohawk Rd, Hudson St, Eagle St, Oregon Ave, Bryan Ave, Breanna Dr, Cornell St, Wendell Ave, Lancaster Dr, Dewitt St | $400,000 | $330,000 | $300,000-$350,000 | $193,000 | $180,000 | $200,000-$250,000 |
| Englewood Ave, Clinton St, Glenmeadow Ct, Parker St, Horizon Blvd, Halcyon St, May Ave, 2nd Ave, Center St, Pangburn Rd | $147,500 | $120,000 | $100,000-$125,000 | $80,000 | $70,000 | $75,000-$100,000 |
| Cliff St, N Kelley Rd, Via Maestra Dr, Van Rensselaer Dr, Phoenix Ave, Muselbeck Rd, Salem Rd, Meadow Ln, Paradowski Rd, Marshall Ave | $151,500 | $130,000 | $100,000-$125,000 | $96,000 | $90,000 | $75,000-$100,000 |
| Pearse Rd, Chiswell St, Robin St, Dartmouth St, Harlem St, Lindberg Ct, N Knight Rd, Milton Keynes Dr, E Hardin Rd, Birchwood Dr | $186,000 | $170,000 | $150,000-$175,000 | $137,000 | $120,000 | $125,000-$150,000 |
| Lancashire Pl, Pinelawn Ave, 12th St, Birchwood Spr, Via Lino, Ardmore Ct, Bradley Blvd, Co Rd 153, N Ravine Rd, Stuyvesant Dr | $238,500 | $220,000 | $200,000-$250,000 | $257,500 | $240,000 | $250,000-$300,000 |
| Pashley Rd, Quackenbush Rd, S Brandywine Ave, Sheridan Ave, Seward Pl, Sussex Way, Platterkill Trl, Glenridge Rd, Co Rd 149, Rockland Rd | $214,000 | $180,000 | $250,000-$300,000 | $181,500 | $160,000 | $200,000-$250,000 |
| Plum St, Fordham Ave, W Campbell Rd, Van Dyke St, Rosewood Ave, Co Rd 10P, Village Rd, Consaul Rd, Colvair Ave, Nelson St | $194,000 | $180,000 | $175,000-$200,000 | $100,000 | $90,000 | $100,000-$125,000 |
| Doris Dr, Cooley Hts, N Elm St, Lake Ave, Rice Rd, Stacie Ln, Gordinier Rd, Giffords Church Rd, Co Rd 59, N Country Club Dr | $241,500 | $220,000 | $250,000-$300,000 | $160,500 | $150,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $528 |
| Superior Protection Discount | -$59 | $593 |
| Fire & Security Discount | -$46 | $606 |
| Hail Resistant Roof Discount | -$13 | $639 |
| Newly Constructed Home Discount | -$163 | $489 |
| 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 |
| Schenectady County | $2,500 | $644 | $3,144 | $468 | $2,968 | $176 |
| Schenectady County, NY | $700 | $644 | $1,344 | $468 | $1,168 | $176 |
| Schoharie, NY | $300 | $658 | $958 | $478 | $778 | $180 |
| Grafton, NY | $2,000 | $684 | $2,684 | $497 | $2,497 | $187 |
| Stuyvesant, NY | $500 | $811 | $1,311 | $589 | $1,089 | $222 |
| Cairo, NY | $2,000 | $631 | $2,631 | $459 | $2,459 | $173 |
| Benson, NY | $100 | $666 | $766 | $484 | $584 | $182 |
| New Lebanon, NY | $1,000 | $767 | $1,767 | $557 | $1,557 | $210 |
| Hudson, NY | $500 | $677 | $1,177 | $492 | $992 | $185 |
| Wells, NY | $700 | $653 | $1,353 | $475 | $1,175 | $178 |
| Woodford, VT | $300 | $682 | $982 | $495 | $795 | $186 |
| Bennington County, VT | $1,500 | $733 | $2,233 | $533 | $2,033 | $200 |
| Home Insurance Company Schenectady County, NY | Homeowners Insurance Agency Schenectady County, NY | Address | Popularity Score | Distance from Schenectady County (miles) |
|---|---|---|---|---|
| Travelers | Twin Bridges Insurance Agency Inc | 1873 Western Ave Ste 204, Albany, NY, 12203 | 12.2 | |
| Nationwide | William J. Freyer | 1650 State Street, Schenectady, NY, 12304-3573 | 7.2 | |
| Allstate | John Deutsch | 621 Columbia St, Cohoes, NY, 12047 | 15.5 | |
| State Farm | Amy Aldrich | 123 Saratoga Rd, Glenville, NY, 12302-4237 | 6.2 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Ave Ste 2 , Schenectady, NY, 12304 | 9.6 | |
| State Farm | Steve Becker | 4017 State St # C, Schenectady, NY, 12304-4278 | 8.6 | |
| State Farm | Mick Butler | 694 5th Ave, Troy, NY, 12182-2331 | 19.1 | |
| State Farm | Karla Foxvog | 1143 State Route 40, Schaghticoke, NY, 12154 | 21.9 | |
| Nationwide | The Scarantino Agency Inc | 1761 State St, Schenectady, NY, 12304-1829 | 7.5 | |
| Allstate | Brian Bussey | 269 New Scotland Ave, Albany, NY, 12208 | 17.3 |
| 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 | $840 | $1,660 | $820 |
| Schenectady County, NY | $164,100 | $652 | $440 | $890 | $450 |
| Schenectady County, NY | $164,100 | $652 | $480 | $930 | $450 |
| Schoharie, NY | $161,200 | $666 | $450 | $910 | $460 |
| Grafton, NY | $172,800 | $692 | $500 | $950 | $450 |
| Stuyvesant, NY | $215,500 | $821 | $580 | $1,120 | $540 |
| Cairo, NY | $170,500 | $639 | $460 | $900 | $440 |
| Benson, NY | $164,800 | $674 | $470 | $940 | $470 |
| New Lebanon, NY | $202,200 | $776 | $560 | $1,090 | $530 |
| Hudson, NY | $189,400 | $685 | $490 | $970 | $480 |
| Wells, NY | $158,700 | $661 | $440 | $950 | $510 |
| Woodford, VT | $166,300 | $690 | $460 | $980 | $520 |
| Bennington County, VT | $208,600 | $742 | $530 | $1,050 | $520 |