Gavop tells you how to get the best homeowners insurance in Schaghticoke, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $75,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $106,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $205,500 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $191,000 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $246,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $544 |
| Superior Protection Discount | -$59 | $597 |
| Fire & Security Discount | -$66 | $590 |
| Hail Resistant Roof Discount | -$13 | $643 |
| Newly Constructed Home Discount | -$184 | $472 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,440 |
| Hail Damage | $4,759 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $16,887 |
| Home Insurance Company Schaghticoke, NY | Homeowners Insurance Agency Schaghticoke, NY | Address | Popularity Score | Distance from Schaghticoke (miles) |
|---|---|---|---|---|
| Erie | Knapp Insurance Agency Llc | 238 S Central Avenue, Mechanicville, NY, 12118 | 4.1 | |
| Travelers | 2001 Central Insurance Agency | 2129 Central Ave Ste 2 , Schenectady, NY, 12304 | 16.1 | |
| Farmers | Todd Cipperly | 123 Industrial Park Lane #2, Central Bridge, NY, 12035 | 38.6 | |
| Allstate | Kinowski Agency Inc | 108 N Perry St, Johnstown, NY, 12095 | 39.5 | |
| Travelers | The Heritage Group | 1184 Troy-Schenectady Rd Ste 102, Latham, NY, 12110 | 13.3 | |
| Travelers | Rowledge Agency Inc | 139 Mohawk Ave, Scotia, NY, 12302 | 18.4 | |
| Allstate | Coyne Insurance Agency | 146 Columbia Tpke, Rensselaer, NY, 12144 | 19.2 | |
| Travelers | Stanley H Calkins Inc | 35 E Saratoga Ave, Waterford, NY, 12188 | 8.3 | |
| Travelers | Casswood Insurance Agency Ltd | 5 Executive Park Dr , Clifton Park, NY, 12065 | 7.7 | |
| Travelers | The Winfield Group Inc | 3 Corporate Dr Ste 200, Clifton Park, NY, 12065 | 7.9 |
| 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 | $850 | $1,590 | $740 |
| Rensselaer County, NY | $183,400 | $698 | $480 | $1,000 | $520 |
| Schaghticoke, NY | $177,800 | $656 | $450 | $900 | $450 |
| Cambridge, NY | $204,500 | $783 | $530 | $1,070 | $540 |
| White Creek, NY | $157,700 | $659 | $450 | $940 | $490 |
| Schenectady, NY | $110,800 | $1,194 | $800 | $1,660 | $860 |
| Moreau, NY | $181,300 | $664 | $460 | $920 | $460 |
| Northampton, NY | $161,500 | $666 | $460 | $920 | $460 |
| Rensselaerville, NY | $180,000 | $711 | $520 | $1,000 | $480 |
| Claverack-Red Mills, NY | $217,300 | $827 | $550 | $1,170 | $620 |
| Caroga Lake, NY | $133,500 | $618 | $420 | $880 | $460 |
| Ephratah, NY | $92,300 | $590 | $420 | $810 | $390 |
| Egremont, MA | $344,300 | $1,376 | $980 | $1,900 | $920 |