Gavop's guide to buying homeowners insurance in Columbia 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $65,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $188,000 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $222,500 | $210,000 | $175,000-$200,000 |
| 4 Bedroom | $414,500 | $370,000 | $300,000-$350,000 |
| 5 Bedroom | $439,000 | $370,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $712 |
| Superior Protection Discount | -$75 | $754 |
| Fire & Security Discount | -$66 | $762 |
| Hail Resistant Roof Discount | -$17 | $812 |
| Newly Constructed Home Discount | -$174 | $654 |
| 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 |
| Columbia County | $2,500 | $818 | $3,318 | $595 | $3,095 | $224 |
| Columbia County, NY | $1,500 | $818 | $2,318 | $595 | $2,095 | $224 |
| Chatham, NY | $300 | $1,004 | $1,304 | $729 | $1,029 | $274 |
| North East, NY | $700 | $947 | $1,647 | $689 | $1,389 | $259 |
| West Sand Lake, NY | $100 | $820 | $920 | $596 | $696 | $224 |
| Hunter, NY | $2,500 | $814 | $3,314 | $592 | $3,092 | $222 |
| Westerlo, NY | $100 | $734 | $834 | $533 | $633 | $201 |
| Westmere, NY | $2,000 | $745 | $2,745 | $542 | $2,542 | $204 |
| Windsor, MA | $200 | $1,169 | $1,369 | $849 | $1,049 | $319 |
| Granby, CT | $1,500 | $930 | $2,430 | $676 | $2,176 | $254 |
| Southampton, MA | $100 | $903 | $1,003 | $656 | $756 | $247 |
| Hoosick Falls, NY | $1,500 | $590 | $2,090 | $429 | $1,929 | $161 |
| Home Insurance Company Columbia County, NY | Homeowners Insurance Agency Columbia County, NY | Address | Popularity Score | Distance from Columbia County (miles) |
|---|---|---|---|---|
| Allstate | Fingar Insurance | 1 Livingston Pkwy, Hudson, NY, 12534 | 7.1 | |
| State Farm | Scott Marxer | 382 Violet Ave, Poughkeepsie, NY, 12601-1034 | 38.0 | |
| Allstate | Marshall & Sterling Insurance | 300 Route 23b, Leeds, NY, 12451 | 13.4 | |
| Liberty Mutual Independent | Kaplan Insurance Agency Inc | 12 Barrister' S Row, Wappingers Falls, NY, 12590 | 48.9 | |
| Allstate | Edward Brys | 1737 Union St Ste 2, Schenectady, NY, 12309 | 40.8 | |
| Allstate | Nancy Schneider-Viglotti | 2591 South Ave, Wappingers Falls, NY, 12590 | 47.5 | |
| State Farm | Karla Foxvog | 1143 State Route 40, Schaghticoke, NY, 12154 | 42.7 | |
| Allstate | Rose & Kiernan Inc | 527 Route 22, Pawling, NY, 12564 | 47.5 | |
| Allstate | Rose & Kiernan Inc | 527 Route 22, Pawling, NY, 12564 | 47.4 | |
| Travelers | Katz & Unterreiner Inc | 29 Marshall Rd Ste 3c , Wappingers Falls, NY, 12590 | 47.5 |
| 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 | $830 | $1,590 | $760 |
| Columbia County, NY | $224,600 | $828 | $590 | $1,150 | $560 |
| Columbia County, NY | $224,600 | $828 | $600 | $1,140 | $540 |
| Chatham, NY | $262,900 | $1,016 | $740 | $1,410 | $670 |
| North East, NY | $250,300 | $959 | $660 | $1,350 | $690 |
| West Sand Lake, NY | $218,100 | $830 | $570 | $1,180 | $610 |
| Hunter, NY | $216,200 | $824 | $600 | $1,170 | $570 |
| Westerlo, NY | $191,500 | $743 | $540 | $1,020 | $480 |
| Westmere, NY | $235,800 | $754 | $510 | $1,070 | $560 |
| Windsor, MA | $288,900 | $1,183 | $840 | $1,690 | $850 |
| Granby, CT | $296,800 | $941 | $670 | $1,290 | $620 |
| Southampton, MA | $319,800 | $914 | $670 | $1,270 | $600 |
| Hoosick Falls, NY | $112,400 | $597 | $410 | $830 | $420 |