How Can I Make My Oneonta, NY Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Oneonta, 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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Select the Suitable Coverage Value for your Oneonta, NY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $51,000 $50,000 $50,000-$75,000
2 Bedroom $117,500 $110,000 $125,000-$150,000
3 Bedroom $171,500 $160,000 $200,000-$250,000
4 Bedroom $262,500 $220,000 $200,000-$250,000
5 Bedroom $327,000 $270,000 $350,000-$400,000

Choose the Best Oneonta, NY Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 800-850 Credit Score No Income 3 Pets, Smoker $460
Freelancer 750-799 Credit Score $75 to $100,000 More than 3 Pets at home, Non-Smoker $120
Full Time Job 700-749 Credit Score $100 to $150,000 2 Pets, Smoker $1,760

Choose the Right Deductible for your Oneonta, 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
New York $300 $1,460 $1,760 $1,190 $1,490 $270
Otsego County, NY $1,500 $520 $1,020 $440 $1,940 $-920
Oneonta, NY $700 $530 $1,030 $440 $1,140 $-110
Jefferson, NY $200 $690 $890 $590 $790 $100
Blenheim, NY $1,000 $410 $910 $340 $1,340 $-430
Gilboa, NY $500 $710 $1,210 $600 $1,100 $110
Conesville, NY $1,500 $590 $1,090 $500 $2,000 $-910
Otselic, NY $400 $420 $820 $360 $760 $60
Danube, NY $700 $330 $830 $280 $980 $-150
Windsor, NY $200 $470 $670 $400 $600 $70
Barker, NY $2,000 $380 $880 $310 $2,310 $-1,430
Port Dickinson, NY $100 $490 $590 $410 $510 $80
Berne, NY $2,500 $710 $1,210 $620 $3,120 $-1,910

Identify Top Home Insurance Agents near Oneonta, NY | Back to Top

Home Insurance Company Oneonta, NY Homeowners Insurance Agency Oneonta, NY Address Popularity Score Distance from Oneonta (miles)
Allstate Shults Agency 3 Canal St, Fort Plain, NY, 13339
39.9
Allstate Matthew Dziedzic 7 W Whitesboro St, Yorkville, NY, 13495
46.6
State Farm Ed Abdallah 315 N Main St, Liberty, NY, 12754-1234
47.7
Allstate Brabazon Agency 5327 State Route 23, Windham, NY, 12496
43.0
Nationwide Don Marsh Agency Inc 75 Chestnut St., Oneonta, NY, 13820-2408
0.1
Travelers Hughson & Benson Associates 326 Main St, Oneonta, NY, 13820
0.4
Liberty Mutual Independent Neighbors Insurance 288 State Highway 7, Sidney, NY, 13838
19.3
Travelers Hughson & Benson Associates 326 Main Street, Oneonta, NY, 13820
0.4
State Farm Lisa Hammond 9438 River Rd, Marcy, NY, 13403-2071
48.0
Travelers Nbt-Mang Insurance Agency 297 River St Service Rd, Oneonta, NY, 13820
1.4

Compare Rates for Oneonta, 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 $295,300 $1,360 $990 $1,940 $950
Otsego County, NY $134,200 $670 $450 $920 $470
Oneonta, NY $139,200 $810 $590 $1,150 $560
Jefferson, NY $154,000 $800 $580 $1,110 $530
Blenheim, NY $110,000 $510 $370 $700 $330
Gilboa, NY $177,800 $840 $570 $1,160 $590
Conesville, NY $143,100 $730 $530 $1,040 $510
Otselic, NY $78,800 $330 $220 $450 $230
Danube, NY $77,900 $440 $320 $620 $300
Windsor, NY $92,300 $430 $310 $600 $290
Barker, NY $96,300 $540 $370 $750 $380
Port Dickinson, NY $92,400 $550 $370 $790 $420
Berne, NY $176,300 $760 $550 $1,040 $490