How Can I Make My Albany, NY Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Albany, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Albany, NY Home Insurance Coverage Levels | Back to Top
| Albany, 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 | |
| Whitehall Rd, Dudley Hts, Glynn St, Boenau St, Elk St, Brevator St, Little Ln, Ichabod Ln, Summit Ave, Prospect Ave Exd | $162,500 | $150,000 | $175,000-$200,000 | $87,500 | $70,000 | $75,000-$100,000 |
| Dean St, Sycamore St, Hawthorne Ave, N Main Ave, Jennings Dr, Quackenbush St, Locust St, Corporate Woods Blvd, Beacon Ave, Silverberry Pl | $175,000 | $150,000 | $175,000-$200,000 | $161,000 | $130,000 | $175,000-$200,000 |
| Bingham St, Davis Ave, Holmes Dl, Grandview Ter, Carpenter Ave, Burdick Dr, Industrial Park Rd, Slingerland St, Wilkins Ave, Pinehurst Ave | $132,500 | $110,000 | $150,000-$175,000 | $85,500 | $70,000 | $50,000-$75,000 |
| Freeman Rd, Cross St, Prospect Ter, Enterprise Dr, S Pearl St, Knollwood Ter, Pennsylvania Ave, Berncliff Ave, Albany St, Mill St | $129,000 | $120,000 | $125,000-$150,000 | $72,000 | $60,000 | $50,000-$75,000 |
| Frisbee Ave, Clayton Pl, Lincoln Sq, Manning Blvd N, Rosemary Cir, Winnie St, Bluebell Ln, St Agnes Ln, Woodside Dr, Tampa Ave | $126,500 | $110,000 | $125,000-$150,000 | $137,500 | $120,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Albany, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $569 |
| Superior Protection Discount | -$60 | $609 |
| Fire & Security Discount | -$74 | $596 |
| Hail Resistant Roof Discount | -$20 | $649 |
| Newly Constructed Home Discount | -$194 | $475 |
Choose your Albany, NY Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,685 |
| Hail Damage | $5,318 |
| Wind Damage | $9,515 |
| Expensive Claims | |
| Fire | $34,248 |
| Accidental Discharge/Leakage | $8,711 |
| Optional Coverage Losses | $8,320 |
Identify Top Home Insurance Agents near Albany, NY | Back to Top
| Home Insurance Company Albany, NY | Homeowners Insurance Agency Albany, NY | Address | Popularity Score | Distance from Albany (miles) |
|---|---|---|---|---|
| State Farm | John Cioccke | 245 Broadway Ste 2, Schenectady, NY, 12305-3503 | 12.5 | |
| Allstate | Tim Berryhill | 1789 Western Ave, Albany, NY, 12203 | 3.8 | |
| State Farm | Steve Becker | 4017 State St # C, Schenectady, NY, 12304-4278 | 8.3 | |
| Travelers | Sierra Insurance Agency | 123 Boices Ln, Kingston, NY, 12401 | 49.4 | |
| State Farm | Jane Hans Wasserbach | 513 Albany Shaker Rd, Loudonville, NY, 12211-1550 | 3.3 | |
| Travelers | Warner & Foley Inc | 43 Mall, West Sand Lake, NY, 12196 | 9.9 | |
| Travelers | Dinsmore Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 6.0 | |
| Travelers | Anatriello Agency Inc | 79 Woodlawn Dr, Ravena, NY, 12143 | 13.9 | |
| Allstate | Brian Bussey | 269 New Scotland Ave, Albany, NY, 12208 | 1.0 | |
| Travelers | Hamlin Robert & Ridgeway Ltd | 381 Sand Creek Rd, Albany, NY, 12205 | 3.1 |
Compare Rates for Albany, 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 | $1,640 | $850 |
| Albany County, NY | $214,400 | $792 | $540 | $1,130 | $590 |
| Albany, NY | $171,900 | $669 | $480 | $960 | $480 |
| Rensselaer, NY | $126,800 | $943 | $680 | $1,290 | $610 |
| Bethlehem, NY | $275,000 | $998 | $680 | $1,380 | $700 |
| Milton, NY | $194,000 | $698 | $510 | $980 | $470 |
| North Adams, MA | $147,500 | $704 | $490 | $970 | $480 |
| Adams, MA | $152,000 | $712 | $480 | $980 | $500 |
| Berkshire County, MA | $203,300 | $921 | $650 | $1,280 | $630 |
| Edinburg, NY | $237,700 | $906 | $610 | $1,240 | $630 |
| Becket, MA | $251,200 | $1,075 | $760 | $1,470 | $710 |
| Hawley, MA | $226,700 | $1,014 | $690 | $1,450 | $760 |
| Hadley, NY | $166,000 | $676 | $470 | $930 | $460 |
Research Home Insurance Companies Reviews in Albany, NY Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: October 05, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
The premiums and deductibles of my policy with Allstate Company are both lower than those of other companies that I have had in the past like American Family and State Farm Insurance companies.
Date: July 30, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
With the same home insurance policies for the same coverage, the premium is much lower.
Date: September 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
The customer service has been prompt and friendly. They are very thorough about answering questions and taking care of customers. I have been extremely satisfied with the quality of customer service so far.
Date: August 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
My insurance provider covers property that is lost, damaged, or stolen. It covers "Act of God" occurrences. I am relatively happy with the insurance so far.
Date: August 01, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Premium
I think my insurance premium is competitive with other brands. However, I still feel that it is too high. I would like to have a lower insurance premium if possible.
Date: June 08, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
The website is very well structured. I can find information easily. The site is not cluttered or filled with pointless information. I have not had much experience with the app yet.
Date: May 13, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Communication
I like the interaction with my insurance company. It is not overwhelming, but I feel like I have adequate information. When I have questions, I know that I will deal with friendly and knowledgeable staff members when I make my inquiries.
State Farm Home Insurance Reviews
Date: October 25, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
The pricing for my insurance when compared to others seems right on track. I originally switched to Sterling because they had everything I needed at a good price.
Date: October 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I like that the agent was knowledgeable. She asked me lots of questions in order to get the best and cheapest policy. When I had an obscure question she answered it or in one case, got an expert opinion to answer my question. She gave advice that lowered my premium. There wasn't anything I didn't like.
Date: September 03, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Communication
The agent is available and if not, is quick to call or email me back. Communications are clear and concise. Anything to do with money is documented.
Date: August 08, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Due to me living in Florida, I also purchased adders for hurricane and sinkhole damage. I also purchased an umbrella policy to make sure any fine print exclusions wouldn't harm me.
Date: August 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Website/App
The website and app are easy to use. I am able to get to the info I want quickly even though there is an enormous amount of detail that insurance policies entail. I did have a problem once. The app gave me a phone number to call when it detected I wasn't making progress. I called the number. A human answered almost immediately then took care of my issue.
Date: May 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
Based on quotes I did, my premium is comparable to or lower than premiums from other insurance companies. The reason I gave it a "3" is because I had to increase the deductible in order to get what I consider a reasonable policy cost. As it happens Florida home insurance rates are very high compared to other states due to hurricanes.
USAA Home Insurance Reviews
Date: September 25, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
They offer better rates across the board. Other agents have approached us and after we tell them we have USAA they back down and admit they cant touch their rates.
Date: July 13, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
At the end of the day I only had a 500 buck deductible. Off the top of my head however I do not remember what it was that my premium was.
Date: January 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
My home insurance company provides expert advice, in a friendly manner. They are knowledgeable about aspects of homeowner insurance that I do not often consider. When I have had to file claims, I have felt at ease and satisfied with the results. I am confident that my home insurance company is looking after my best interest.
Date: January 18, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
Our deductible is very low - and any time we have paid a claim they have been very upfront about our deductible and our own personal costs.
Liberty Mutual Home Insurance Reviews
Date: August 17, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I think that they have good customer service. They are there to help you when you have a problem. They answer questions easily
Erie Insurance Home Insurance Reviews
Date: December 31, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
The policies are a little bit limited compared to other companies in my area. I'm not covered for some of the things that other companies offer but my prices are very low.
GEICO Home Insurance Reviews
Date: October 21, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Even just raising the deductible to $1000 can save you 25 percent on your premium.
Homesite Insurance Home Insurance Reviews
Date: November 19, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I believe that my company is pretty standard in terms of coverage and I had no issues covering our home, though I am not a home insurance expert.
Amica Mutual Insurance Home Insurance Reviews
Date: November 09, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
The customer service of my insurance company is very good, I have a good response and I am efficient when it comes to an answer