Gavop's guide to buying homeowners insurance in Fort Ann, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $63,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $101,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $196,000 | $170,000 | $200,000-$250,000 |
| 4 Bedroom | $265,500 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $323,000 | $310,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $505 |
| Superior Protection Discount | -$60 | $541 |
| Fire & Security Discount | -$42 | $559 |
| Hail Resistant Roof Discount | -$18 | $583 |
| Newly Constructed Home Discount | -$156 | $445 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,344 |
| Hail Damage | $4,853 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $16,887 |
| Home Insurance Company Fort Ann, NY | Homeowners Insurance Agency Fort Ann, NY | Address | Popularity Score | Distance from Fort Ann (miles) |
|---|---|---|---|---|
| Nationwide | Michael O. Murphy | 195 Washington St., Saratoga Springs, NY, 12866-4226 | 29.5 | |
| Travelers | Robert J Hoy Agency | 14 Center St, Broadalbin, NY, 12025 | 43.6 | |
| Travelers | Personal Coverage Inc | 220 Church Street, Ballston Spa, NY, 12020 | 36.3 | |
| State Farm | Charlie Palmer | 119 Mohawk Ave, Scotia, NY, 12302-2247 | 49.0 | |
| State Farm | John Craig | 481 Saratoga Rd, Scotia, NY, 12302-5451 | 44.2 | |
| Allstate | Willie Miranda Jr | 1480 Route 9, Clifton Park, NY, 12065 | 44.4 | |
| Travelers | Stanley H Calkins Inc | 35 E Saratoga Ave, Waterford, NY, 12188 | 47.6 | |
| Travelers | Robson & Geraghty | 29 Church St, Hoosick Falls, NY, 12090 | 39.7 | |
| Allstate | Anthony Fiacco | 207 Saratoga Ave, Mechanicville, NY, 12118 | 38.9 | |
| State Farm | Bill Cook | 1006 New Loudon Rd, Cohoes, NY, 12047-5004 | 48.8 |
| 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 | $1,640 | $800 |
| Washington County, NY | $144,900 | $616 | $450 | $880 | $430 |
| Fort Ann, NY | $151,000 | $601 | $400 | $830 | $430 |
| Warrensburg, NY | $138,100 | $624 | $420 | $860 | $440 |
| Chestertown, NY | $170,500 | $687 | $460 | $980 | $520 |
| Saratoga, NY | $214,300 | $686 | $470 | $980 | $510 |
| Whiting, VT | $204,400 | $758 | $540 | $1,050 | $510 |
| Ballston Spa, NY | $217,900 | $697 | $470 | $960 | $490 |
| Chittenden, VT | $214,900 | $775 | $550 | $1,090 | $540 |
| Mechanicville, NY | $159,200 | $616 | $410 | $880 | $470 |
| North Bennington, VT | $191,200 | $736 | $510 | $1,020 | $510 |
| Londonderry, VT | $231,600 | $799 | $540 | $1,110 | $570 |
| East Middlebury, VT | $190,100 | $734 | $520 | $1,020 | $500 |