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.

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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

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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

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

Progressive Home Insurance Reviews

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