Gavop shows you how to buy homeowners insurance in Herkimer County, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Herkimer County, 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 | |
| Scusa Rd, Mexico Rd, Graham Rd, Keller Rd, Diamond St, Remington Rd, Stahl Rd, Barnes Rd, Porteus St, Beebe Rd | $103,000 | $90,000 | $100,000-$125,000 | $78,500 | $70,000 | $50,000-$75,000 |
| 1st St, Old Herkimer Rd, Steuben Hill Rd, Frank Dr, E Spofford Ave, Reservoir Rd, S 4th Ave, 2nd Ave, Silverstone Rd, Cemetery Rd | $171,500 | $150,000 | $150,000-$175,000 | $100,000 | $90,000 | $100,000-$125,000 |
| Tisi Rd, Co Rd 154, Barringer Rd, Hawthorne Rd, Burt Rd, Teall Rd, Hi Sy Vw, Charles St, Oak Ridge Ter, Heath Rd | $122,500 | $110,000 | $125,000-$150,000 | $82,500 | $70,000 | $50,000-$75,000 |
| E Steele St, Delong Rd, West Ave, Welshbush Rd, Birdseye Rd, Co Rd 211, E Sterusky Rd, Delaware Dr, Hampton Rd, Barringer Rd | $140,500 | $120,000 | $150,000-$175,000 | $81,000 | $70,000 | $50,000-$75,000 |
| Co Rd 148, Prey Hill Rd, Maple Dr, Twin Ponds Dr, Protection Ave, W Faville Ave, Co Rd 9, Co Rd 94, Palisades St, Sandy Lane Rd | $143,000 | $130,000 | $125,000-$150,000 | $104,000 | $80,000 | $75,000-$100,000 |
| Minots Corners Rd, 2nd St, 3rd Ave, Honey Hill Rd, Co Rd 48, Snowman Dr, Wayne St, Gun Club Rd Exd, Hoefler Ave, N Richfield St | $145,500 | $140,000 | $125,000-$150,000 | $73,500 | $70,000 | $50,000-$75,000 |
| Spencer Rd, Co Rd 107, Yourno Rd, Marmet St, N 4th Ave, Clifford Ln, McIntyre Rd, Bridge St, Hardware Ln, Holmes Rd | $145,000 | $120,000 | $150,000-$175,000 | $58,500 | $50,000 | $50,000-$75,000 |
| Fowler Pl, Kyser Lake Rd, Broat Rd, Harriet Ave, Co Rd 197, Deer Meadows Dr, Co Rd 216, Lamborghini Dr, New Rd, Fair St | $199,500 | $180,000 | $200,000-$250,000 | $166,500 | $140,000 | $150,000-$175,000 |
| E Jefferson St, Fourth Ave, Co Rd 42, King Rd, Saxon Rd, Point Trl, Sarafin Rd, Hall Rd, Upson Rd, Co Rd 125 | $78,000 | $70,000 | $75,000-$100,000 | $94,500 | $90,000 | $75,000-$100,000 |
| Hall St, Co Rd 215, Elm Ln, Mussmaker Rd, Argile Rd, Frye Rd, Co Rd 151, 5th St, 7th Ave, Co Rd 88 | $85,000 | $80,000 | $75,000-$100,000 | $94,000 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$205 | $1,000 |
| Superior Protection Discount | -$120 | $1,084 |
| Fire & Security Discount | -$96 | $1,108 |
| Hail Resistant Roof Discount | -$36 | $1,169 |
| Newly Constructed Home Discount | -$241 | $964 |
| 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 |
| Herkimer County | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Herkimer County, NY | $2,000 | $1,190 | $3,190 | $865 | $2,865 | $325 |
| Hamilton County, NY | $500 | $617 | $1,117 | $449 | $949 | $169 |
| Leyden, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Marcy, NY | $200 | $635 | $835 | $461 | $661 | $174 |
| Lowville, NY | $1,000 | $626 | $1,626 | $455 | $1,455 | $171 |
| Frankfort, NY | $400 | $948 | $1,348 | $689 | $1,089 | $259 |
| Osceola, NY | $1,000 | $583 | $1,583 | $424 | $1,424 | $159 |
| Thurman, NY | $200 | $608 | $808 | $442 | $642 | $166 |
| North Creek, NY | $2,500 | $658 | $3,158 | $478 | $2,978 | $180 |
| Gloversville, NY | $200 | $940 | $1,140 | $683 | $883 | $257 |
| Redfield, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| Home Insurance Company Herkimer County, NY | Homeowners Insurance Agency Herkimer County, NY | Address | Popularity Score | Distance from Herkimer County (miles) |
|---|---|---|---|---|
| Allstate | Shults Agency | 3 Canal St, Fort Plain, NY, 13339 | 45.5 | |
| Liberty Mutual Independent | Paul Chapman Insurance Agency Inc. | 1758 Burrstone Rd, New Hartford, NY, 13413 | 39.7 | |
| Allstate | Kinowski Agency Inc | 108 N Perry St, Johnstown, NY, 12095 | 45.5 | |
| State Farm | Jenny Rulison-Fisch | 3717 State Highway 30 Ste 2, Amsterdam, NY, 12010 | 48.0 | |
| Farmers | Thomas Trevvett | 2400 Genesee St, Utica, NY, 13502 | 40.2 | |
| Allstate | Dionisio (Dion) Roman Jr. | 627 French Rd, New Hartford, NY, 13413 | 39.6 | |
| State Farm | Lisa Hammond | 9438 River Rd, Marcy, NY, 13403-2071 | 36.8 | |
| Allstate | Cathleen Fournier | 86 Meadow St, Clinton, NY, 13323 | 45.9 | |
| Liberty Mutual Independent | Hearn Agency | 209 Erie Blvd, Canajoharie, NY, 13317 | 47.8 | |
| Travelers | Kevlin Insurance Agency | 152 W Main St, Johnstown, NY, 12095 | 45.5 |
| 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 | $1,620 | $790 |
| Herkimer County, NY | $95,800 | $1,205 | $820 | $1,720 | $900 |
| Herkimer County, NY | $95,800 | $1,205 | $830 | $1,710 | $880 |
| Hamilton County, NY | $164,000 | $625 | $420 | $880 | $460 |
| Leyden, NY | $85,700 | $591 | $430 | $820 | $390 |
| Marcy, NY | $172,100 | $643 | $460 | $890 | $430 |
| Lowville, NY | $144,600 | $634 | $420 | $910 | $490 |
| Frankfort, NY | $109,600 | $960 | $680 | $1,320 | $640 |
| Osceola, NY | $95,800 | $590 | $400 | $810 | $410 |
| Thurman, NY | $130,800 | $615 | $410 | $840 | $430 |
| North Creek, NY | $161,400 | $666 | $470 | $950 | $480 |
| Gloversville, NY | $77,400 | $952 | $680 | $1,300 | $620 |
| Redfield, NY | $100,000 | $591 | $430 | $820 | $390 |