Gavop's guide to buying homeowners insurance in Herkimer, 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 | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $114,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $136,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $137,000 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $238,500 | $220,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$174 | $794 |
| Superior Protection Discount | -$87 | $881 |
| Fire & Security Discount | -$68 | $900 |
| Hail Resistant Roof Discount | -$29 | $939 |
| Newly Constructed Home Discount | -$194 | $775 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,464 |
| Hail Damage | $4,900 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $17,389 |
| Home Insurance Company Herkimer, NY | Homeowners Insurance Agency Herkimer, NY | Address | Popularity Score | Distance from Herkimer (miles) |
|---|---|---|---|---|
| State Farm | Scott Grates | 205 W Main St, Ilion, NY, 13357-1509 | 3.6 | |
| Farmers | Frank Casler | 1451 State Highway 5s, Amsterdam, NY, 12010 | 41.2 | |
| Erie | Galway Family Insurance | 5243 Route 147, Galway, NY, 12074 | 49.2 | |
| Allstate | Costanza Agency Inc | 115 S Litchfield St, Frankfort, NY, 13340 | 3.9 | |
| Allstate | Kristy Garcia | 146 Genesee St, New Hartford, NY, 13413 | 15.2 | |
| Allstate | Frederick Northup | 105 W Main St, Ilion, NY, 13357 | 3.6 | |
| Travelers | Taylor Agency | 70 West Clark St, Ilion, NY, 13357 | 3.5 | |
| Travelers | Eastern Shore Associates | 90 Main St, Camden, NY, 13316 | 42.2 | |
| Allstate | Hopmeier Evans Gage | 180 Main St Po Box 265, Esperance, NY, 12066 | 43.1 | |
| Allstate | Hbe Group Inc | 410 Folts St, Herkimer, NY, 13350 | 2.3 |
| 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 |
| Herkimer County, NY | $95,800 | $1,205 | $870 | $1,720 | $850 |
| Herkimer, NY | $89,400 | $968 | $710 | $1,350 | $640 |
| Schuyler, NY | $89,800 | $590 | $400 | $840 | $440 |
| Bridgewater, NY | $81,800 | $592 | $400 | $810 | $410 |
| Ephratah, NY | $92,300 | $590 | $420 | $820 | $400 |
| Remsen, NY | $115,000 | $599 | $400 | $830 | $430 |
| Cherry Valley, NY | $164,600 | $673 | $490 | $940 | $450 |
| Columbus, NY | $100,000 | $591 | $400 | $850 | $450 |
| Madison County, NY | $132,800 | $1,194 | $820 | $1,680 | $860 |
| Ohio, NY | $94,400 | $590 | $410 | $840 | $430 |
| Charleston, NY | $148,900 | $642 | $440 | $890 | $450 |
| Sylvan Beach, NY | $97,900 | $591 | $420 | $830 | $410 |