How Can I Make My Troy, NY Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Troy, 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.
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Estimate Appropriate Troy, NY Home Insurance Coverage Levels | Back to Top
| Troy, NY - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Thurles Ct, 108th St, Franklin St, Plum Ave, Park Dr, Seymour Ct, 119th St, Bouton Rd, Division St, Snyder Ave | $175,500 | $150,000 | $175,000-$200,000 | $234,000 | $210,000 | $200,000-$250,000 |
| Livingston St, 9th Ave, State Rte 142, Congress St, Cedar Ave, McLeod Rd, Vista Ave, Chelton Ave, Row D Way, Ford Ave | $114,000 | $100,000 | $125,000-$150,000 | $92,000 | $80,000 | $75,000-$100,000 |
| 117th St, 120th St, Burrett Ln, 25th St, 9th St, Massachusetts Ave, Joseph St, Trenton St, Florence Pl, Sullivan St | $123,000 | $110,000 | $100,000-$125,000 | $151,500 | $140,000 | $125,000-$150,000 |
| Taylor Ct, Rankin Ave, Middleburgh St, 112th St, Bank St, Warren Ave, Alma Ct, N 1st St, Sterling Ave, 14th St | $134,500 | $120,000 | $150,000-$175,000 | $203,500 | $170,000 | $175,000-$200,000 |
| Carlyle Ave, 118th St, Ashland Pl, Pompano Ct, 140, Erie St, Hill St, Mill St, Main Ave, Museum Pl | $74,500 | $60,000 | $50,000-$75,000 | $158,000 | $130,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Troy, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $523 |
| Superior Protection Discount | -$61 | $553 |
| Fire & Security Discount | -$43 | $572 |
| Hail Resistant Roof Discount | -$18 | $597 |
| Newly Constructed Home Discount | -$123 | $492 |
Choose the Right Deductible for your Troy, 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 |
| Rensselaer County | $2,500 | $690 | $3,190 | $501 | $3,001 | $189 |
| Troy, NY | $700 | $608 | $1,308 | $442 | $1,142 | $166 |
| Rensselaer, NY | $300 | $932 | $1,232 | $677 | $977 | $255 |
| Rensselaer County, NY | $1,500 | $690 | $2,190 | $501 | $2,001 | $189 |
| Mechanicville, NY | $300 | $608 | $908 | $442 | $742 | $166 |
| Stephentown, NY | $2,000 | $640 | $2,640 | $465 | $2,465 | $175 |
| Ballston Spa, NY | $200 | $689 | $889 | $501 | $701 | $188 |
| Greenwich, NY | $2,000 | $681 | $2,681 | $495 | $2,495 | $186 |
| Fultonville, NY | $400 | $584 | $984 | $424 | $824 | $160 |
| Peru, MA | $2,500 | $909 | $3,409 | $661 | $3,161 | $248 |
| Washington County, NY | $500 | $609 | $1,109 | $442 | $942 | $166 |
| Chesterfield, MA | $1,000 | $1,028 | $2,028 | $747 | $1,747 | $281 |
Identify Top Home Insurance Agents near Troy, NY | Back to Top
| Home Insurance Company Troy, NY | Homeowners Insurance Agency Troy, NY | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| Travelers | Beltzer-Dimura Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 4.3 | |
| Allstate | Julie Baldes | 931 Altamont Ave, Schenectady, NY, 12303 | 13.8 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Ave Ste 2 , Schenectady, NY, 12304 | 10.3 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Avenue, Schenectady, NY, 12304 | 10.3 | |
| Travelers | Helsmoortel Insurance Agency Inc | 148 Burt Street, Saugerties, NY, 12477 | 48.4 | |
| State Farm | John Craig | 481 Saratoga Rd, Scotia, NY, 12302-5451 | 16.5 | |
| Travelers | Fingar Insurance | 464 Main St, Catskill, NY, 12414 | 36.8 | |
| Allstate | Brian Bussey | 269 New Scotland Ave, Albany, NY, 12208 | 8.1 | |
| Allstate | Grapeville Agency | 16 Boulevard Avenue, Catskill, NY, 12414 | 37.6 | |
| State Farm | John Loughlin | 160 Oakwood Avenue, Troy, NY, 12180-1446 | 0.8 |
Compare Rates for Troy, NY Home Insurance Providers | Back to Top
| 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 | $790 | $1,620 | $830 |
| Rensselaer County, NY | $183,400 | $698 | $500 | $990 | $490 |
| Troy, NY | $144,400 | $615 | $420 | $870 | $450 |
| Rensselaer, NY | $126,800 | $943 | $680 | $1,310 | $630 |
| Rensselaer County, NY | $183,400 | $698 | $500 | $960 | $460 |
| Mechanicville, NY | $159,200 | $616 | $420 | $840 | $420 |
| Stephentown, NY | $152,100 | $648 | $450 | $900 | $450 |
| Ballston Spa, NY | $217,900 | $697 | $480 | $990 | $510 |
| Greenwich, NY | $171,500 | $689 | $500 | $950 | $450 |
| Fultonville, NY | $85,000 | $591 | $430 | $850 | $420 |
| Peru, MA | $185,800 | $920 | $620 | $1,320 | $700 |
| Washington County, NY | $144,900 | $616 | $410 | $850 | $440 |
| Chesterfield, MA | $237,500 | $1,040 | $700 | $1,420 | $720 |
Research Home Insurance Companies Reviews in Troy, NY Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have had state farm for car insurance so when we moved, I decided that they would probably be a great home insurance company and they are.
Date: June 17, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Customer Service
I am extremely satisfied with my insurance company.The agents are always very understanding and patient when I call in regards to her account.
Nationwide Home Insurance Reviews
Date: September 07, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I would rate my current companies customer service at a 5. I have had only good experiences with them.
AAA Home Insurance Reviews
Date: August 14, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
It is easy to access to the insurance company and communicate with customer service. They follow up very constantly and asked us about better options for house insurance.
Ameriprise Home Insurance Reviews
Date: July 07, 2019 Age: 50 to 59 Gender: Unmarried Marital Status: Male
Premium
When I compare my premium with what my deductible is I find them very affordable for today's rates. The premium is very comparable and the deductible doable.
GEICO Home Insurance Reviews
Date: September 11, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The premium was a little high, not completely out of the question. It was made up for by the fact that the deductible was better than others.
Farmer's Insurance Home Insurance Reviews
Date: October 13, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
We were happy with the price for what we had bundled with the company which is a good amount of products. We felt we got a good deal based on our experience.