How Can I Make My Guilderland, NY Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Guilderland, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Guilderland, NY Home Insurance Coverage Levels | Back to Top
| Guilderland, 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 | |
| Altamont Voorheesville Rd, Vosburgh Rd, Whippet Ln, Empire Ave, Luigi Ct, Joanne Dr, Cullen Dr, Fox Run, Salvia Ln, Indian Ladder Dr | $316,500 | $260,000 | $250,000-$300,000 | $184,500 | $150,000 | $200,000-$250,000 |
| E Pine Hill Dr, Montery Rd, Devon Ct, Van Evera Dr, State Rte 158, Marie Ave, Katie Ln, Ronald Pl, Sumac Ridge Ln, Lainhart Rd | $269,000 | $220,000 | $250,000-$300,000 | $192,500 | $180,000 | $200,000-$250,000 |
| Co Rd 202, Whispering Pines Way, Loeber Rd, Simons Ln, Anthony Way, Indian Meadows Path, Fern Ct, Timberside Ct, Glen Hollow Dr, Times Cir | $231,000 | $190,000 | $200,000-$250,000 | $154,000 | $130,000 | $125,000-$150,000 |
| Marian Ct, Birchwood Dr, Maywood Ave, Williams Ct, W Okara Dr, State Rte 397, Fuller Station Rd, Morningside Dr, Carman Rd, Rose Ave | $364,500 | $320,000 | $300,000-$350,000 | $211,500 | $200,000 | $200,000-$250,000 |
| Schoolhouse Rd, Washington Ave Exn, Hennessey Rd, Prestige Dr, Christopher Ln, Park St, Westlyn Pl, Brandywine Pkwy, Meadowdale Rd, Van Wormer Dr | $240,500 | $210,000 | $200,000-$250,000 | $204,500 | $180,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Guilderland, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $768 |
| Superior Protection Discount | -$83 | $842 |
| Fire & Security Discount | -$74 | $851 |
| Hail Resistant Roof Discount | -$19 | $907 |
| Newly Constructed Home Discount | -$250 | $676 |
Choose the Right Deductible for your Guilderland, 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 |
| Albany County | $2,000 | $783 | $2,783 | $569 | $2,569 | $214 |
| Guilderland, NY | $2,500 | $914 | $3,414 | $664 | $3,164 | $250 |
| Mariaville Lake, NY | $100 | $722 | $822 | $525 | $625 | $197 |
| New Baltimore, NY | $2,000 | $710 | $2,710 | $516 | $2,516 | $194 |
| Averill Park, NY | $400 | $802 | $1,202 | $583 | $983 | $219 |
| Canaan, NY | $1,000 | $1,229 | $2,229 | $893 | $1,893 | $336 |
| Hoosick, NY | $500 | $593 | $1,093 | $431 | $931 | $162 |
| Fort Plain, NY | $2,500 | $592 | $3,092 | $430 | $2,930 | $162 |
| Hadley, NY | $2,000 | $668 | $2,668 | $485 | $2,485 | $183 |
| Hope, NY | $300 | $591 | $891 | $429 | $729 | $161 |
| Cooperstown, NY | $1,000 | $1,044 | $2,044 | $759 | $1,759 | $285 |
Identify Top Home Insurance Agents near Guilderland, NY | Back to Top
| Home Insurance Company Guilderland, NY | Homeowners Insurance Agency Guilderland, NY | Address | Popularity Score | Distance from Guilderland (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ten Eyck Group | 1924 Western Ave, Albany, NY, 12203 | 4.4 | |
| Erie | Knapp Insurance Agency Llc | 238 S Central Avenue, Mechanicville, NY, 12118 | 18.9 | |
| Liberty Mutual Independent | Hms Agency Inc | 454 Sand Creek Rd, Albany, NY, 12205 | 7.8 | |
| Nationwide | Douglas A Schulz Llc | 163 Delaware Ave, Delmar, NY, 12054-1313 | 9.3 | |
| State Farm | Charlie Palmer | 119 Mohawk Ave, Scotia, NY, 12302-2247 | 8.2 | |
| Allstate | Florence A. Shaw | 1667 Central Ave, Albany, NY, 12205 | 6.4 | |
| Erie | Adams Station Insurance Inc. | 423 Kenwood Avenue, Delmar, NY, 12054 | 8.7 | |
| State Farm | Mick Butler | 694 5th Ave, Troy, NY, 12182-2331 | 15.6 | |
| Allstate | Kirk Sinkins | 98 Everett Rd, Albany, NY, 12205 | 9.6 | |
| Allstate | Tim Berryhill | 1789 Western Ave, Albany, NY, 12203 | 5.1 |
Compare Rates for Guilderland, 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 | $840 | $1,640 | $800 |
| Albany County, NY | $214,400 | $792 | $580 | $1,100 | $520 |
| Guilderland, NY | $251,500 | $925 | $670 | $1,280 | $610 |
| Mariaville Lake, NY | $187,500 | $731 | $500 | $1,030 | $530 |
| New Baltimore, NY | $183,000 | $719 | $510 | $990 | $480 |
| Averill Park, NY | $212,900 | $812 | $580 | $1,120 | $540 |
| Canaan, NY | $308,000 | $1,244 | $910 | $1,720 | $810 |
| Hoosick, NY | $150,500 | $600 | $410 | $850 | $440 |
| Fort Plain, NY | $68,700 | $599 | $430 | $850 | $420 |
| Hadley, NY | $166,000 | $676 | $480 | $950 | $470 |
| Hope, NY | $113,100 | $598 | $410 | $840 | $430 |
| Cooperstown, NY | $271,600 | $1,057 | $760 | $1,460 | $700 |
Research Home Insurance Companies Reviews in Guilderland, NY Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 26, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
I'm sorry, again because I don't shop around, I do not know of other policy offerings. When I have had a claim, StateFarm has been good to work witwith so I'm reluctant to shop for cheaper.
Date: October 23, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I feel that it's right on par with what we would pay at any other insurance company, even big brands of insurance companies.
USAA Home Insurance Reviews
Date: September 24, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
We love USAA for our home insurance because they offer great customer service everytime we call with a question or policy change.
Date: September 23, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
USAA has provided excellent, responsive customer service since we've had them. Seem true of all the USAA insurance products offered.
Liberty Mutual Home Insurance Reviews
Date: October 08, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The annual premium that I pay through Liberty Mutual is acceptable. While it is cheaper then my previous company, I have the same limits of coverage just not little things like coverage of food kept in a deep freezer.
Homesite Insurance Home Insurance Reviews
Date: September 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I would rate them a 4. I have never had a claim, so I can only base my rating on it's customer service and website, both of which are adequate, but no overly impressive.
AAA Home Insurance Reviews
Date: July 11, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Honestly I can speak too much about the premiums and deductibles when compared to other home insurance policies because I do not really like the process of comparing stuff between companies.