Gavop's guide to buying homeowners insurance in Kingston, 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.
| Kingston, 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 | |
| Kiersted Ln, Harding Ave, Ten Broeck, Florence St, Tompkins St, Van Buren St, Brewster St, Arlmont St, Clinton Ave Exn, Derrenbacher St | $207,000 | $180,000 | $200,000-$250,000 | $121,000 | $100,000 | $100,000-$125,000 |
| Albany Ave, Fairmont Ave, Augusta St, Village Ct, Irving Pl, Clifton Ave, Cornell St, E St James St, Merritt Ave, Twin Ponds Dr | $189,500 | $160,000 | $200,000-$250,000 | $263,500 | $230,000 | $250,000-$300,000 |
| Tremper Ave, Livingston St, Quarry St, Madison Ave, Park Blvd, Larch St, Catherine St, Court Ave, Hooker St, Terrance St | $166,500 | $150,000 | $175,000-$200,000 | $152,500 | $130,000 | $150,000-$175,000 |
| Joys Ln, Petit Ave, Presidents Pl, Delta Pl, Reben St, Clarendon Ave, Golden Hill Dr, Dubois Pl, Conway Pl, Andrew St | $151,000 | $120,000 | $150,000-$175,000 | $114,500 | $100,000 | $125,000-$150,000 |
| Winchell Ave, S Pine St, Ponckhockie St, Burhans Blvd, Garraghan Dr, Jervis Ave, Janet St, Smith Ave, Amy Kay Pkwy, Hilton Pl | $140,000 | $120,000 | $100,000-$125,000 | $122,000 | $110,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$50 | $578 |
| Home and Two Car | -$107 | $521 |
| Home and Three Car | -$157 | $471 |
| 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 |
| Ulster County | $1,500 | $808 | $2,308 | $587 | $2,087 | $221 |
| Kingston, NY | $1,500 | $620 | $2,120 | $451 | $1,951 | $169 |
| Saugerties, NY | $200 | $681 | $881 | $495 | $695 | $186 |
| Salt Point, NY | $1,000 | $827 | $1,827 | $601 | $1,601 | $226 |
| Jefferson Heights, NY | $400 | $671 | $1,071 | $488 | $888 | $183 |
| Napanoch, NY | $1,500 | $594 | $2,094 | $432 | $1,932 | $162 |
| Millerton, NY | $500 | $825 | $1,325 | $600 | $1,100 | $225 |
| Brinckerhoff, NY | $2,500 | $1,065 | $3,565 | $774 | $3,274 | $291 |
| Fishkill, NY | $200 | $783 | $983 | $569 | $769 | $214 |
| Prattsville, NY | $2,500 | $619 | $3,119 | $450 | $2,950 | $169 |
| Margaretville, NY | $400 | $686 | $1,086 | $498 | $898 | $187 |
| Stockbridge, MA | $700 | $1,977 | $2,677 | $1,437 | $2,137 | $540 |
| Home Insurance Company Kingston, NY | Homeowners Insurance Agency Kingston, NY | Address | Popularity Score | Distance from Kingston (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Bruen Deldin & Didio Associates Inc | 3 Starr Ridge Road, Suite 100 , Brewster, NY, 10509 | 42.5 | |
| Liberty Mutual Independent | Masterson Insurance Agency Inc | 3107 Route 22, Patterson, NY, 12563 | 35.4 | |
| State Farm | Tom Lewis | 2535 South Rd, Poughkeepsie, NY, 12601-5465 | 18.8 | |
| State Farm | Ed Abdallah | 315 N Main St, Liberty, NY, 12754-1234 | 39.7 | |
| Travelers | Forbes Agency Inc | 135 Bedford Rd, Katonah, NY, 10536 | 49.6 | |
| Allstate | Roger Dwyer | 357 Windsor Hwy, New Windsor, NY, 12553 | 32.5 | |
| State Farm | Mark Mahoney | 3669 Route 9w, Highland, NY, 12528-2000 | 15.6 | |
| Erie | Gerelli Insurance Agency Inc. | 23 Lady Blue Devils Lane, Cold Spring, NY, 10516 | 31.6 | |
| Nationwide | Paul A. Morais | 156 Main Street, Chester, NY, 10918-0128 | 42.3 | |
| Travelers | A & M Insurance Agency Inc | 54 South Liberty Dr, Stony Point, NY, 10980 | 48.7 |
| 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 | $780 | $1,620 | $840 |
| Ulster County, NY | $221,600 | $818 | $560 | $1,140 | $580 |
| Kingston, NY | $165,400 | $628 | $430 | $870 | $440 |
| Saugerties, NY | $215,100 | $689 | $470 | $980 | $510 |
| Salt Point, NY | $220,000 | $837 | $560 | $1,190 | $630 |
| Jefferson Heights, NY | $167,200 | $679 | $450 | $930 | $480 |
| Napanoch, NY | $118,000 | $601 | $430 | $850 | $420 |
| Millerton, NY | $219,500 | $835 | $570 | $1,180 | $610 |
| Brinckerhoff, NY | $276,000 | $1,078 | $770 | $1,500 | $730 |
| Fishkill, NY | $283,400 | $793 | $530 | $1,130 | $600 |
| Prattsville, NY | $139,900 | $627 | $420 | $880 | $460 |
| Margaretville, NY | $173,500 | $694 | $480 | $960 | $480 |
| Stockbridge, MA | $462,000 | $2,001 | $1,340 | $2,760 | $1,420 |