Gavop's guide to buying homeowners insurance in Waterford, 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.
| Waterford, 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 | |
| Mercer St, Suncrest Dr, River St, Victor Dr, Valleyview Ave, Hudson River Rd, Clinton Ave, Ballston St, Murray Ave, Widgeon Way | $145,000 | $120,000 | $125,000-$150,000 | $109,000 | $100,000 | $100,000-$125,000 |
| 3rd Ave, Hillview Ter, Vespar Ct, Hillview Ave, Copperfield Dr, 1st Ave, Belanger Ave, Canal St, 9th St, Mill Rd | $259,000 | $250,000 | $250,000-$300,000 | $156,000 | $150,000 | $175,000-$200,000 |
| S St Exn, Garnet Ct, 2nd Ave, Barley Ct, Bells Ln N, Fletcher Ct, Front St, Towpath Ln, State St, Partridge Ln | $131,500 | $120,000 | $150,000-$175,000 | $160,500 | $130,000 | $150,000-$175,000 |
| Davis Dr, Harvest Way, Timber Dr, Jay St, Pineview Ct, Fairfax Row, Canvasback Ridge, Mockingbird Ct, Craig Ave, Lea Ave | $172,500 | $160,000 | $175,000-$200,000 | $226,500 | $210,000 | $200,000-$250,000 |
| Vanderwerken Ave, Erie Ct, Catallo Dr, Van Schoonhoven Sq, Mallards Lndg S, Pintail Pl, Davis Ave, Morgan Ln, Birch Glen Dr, Ridgeview Ave | $140,000 | $120,000 | $125,000-$150,000 | $154,500 | $150,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $562 |
| Superior Protection Discount | -$67 | $602 |
| Fire & Security Discount | -$67 | $602 |
| Hail Resistant Roof Discount | -$20 | $649 |
| Newly Constructed Home Discount | -$167 | $501 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,319 |
| Hail Damage | $4,524 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $15,884 |
| Home Insurance Company Waterford, NY | Homeowners Insurance Agency Waterford, NY | Address | Popularity Score | Distance from Waterford (miles) |
|---|---|---|---|---|
| Erie | Knapp Insurance Agency Llc | 238 S Central Avenue, Mechanicville, NY, 12118 | 6.2 | |
| Allstate | Salvatore Graziano | 368 Northern Blvd, Albany, NY, 12204 | 9.5 | |
| Travelers | The Heritage Group | 1184 Troy-Schenectady Rd Ste 102, Latham, NY, 12110 | 7.2 | |
| State Farm | Karla Foxvog | 1143 State Route 40, Schaghticoke, NY, 12154 | 5.6 | |
| Erie | Empire Region Insurance Agency | 4 Avis Drive Suite 108, Latham, NY, 12110 | 5.8 | |
| Travelers | Dinsmore Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 5.4 | |
| Travelers | Hamlin Robert & Ridgeway Ltd | 381 Sand Creek Rd, Albany, NY, 12205 | 8.8 | |
| Travelers | Fingar Insurance | 464 Main St, Catskill, NY, 12414 | 41.2 | |
| Travelers | Casswood Insurance Agency Ltd | 5 Executive Park Dr, Clifton Park, NY, 12065 | 4.0 | |
| Allstate | Brian Bussey | 269 New Scotland Ave, Albany, NY, 12208 | 11.6 |
| 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 |
| Saratoga County, NY | $243,600 | $893 | $600 | $1,240 | $640 |
| Waterford, NY | $208,400 | $669 | $450 | $940 | $490 |
| Ballston Spa, NY | $217,900 | $697 | $480 | $960 | $480 |
| Duane Lake, NY | $255,200 | $981 | $700 | $1,400 | $700 |
| Williamstown, MA | $303,100 | $873 | $640 | $1,200 | $560 |
| Kinderhook, NY | $229,600 | $734 | $520 | $1,010 | $490 |
| Corinth, NY | $148,900 | $597 | $420 | $850 | $430 |
| Florida, MA | $183,500 | $915 | $660 | $1,290 | $630 |
| Rowe, MA | $233,300 | $1,030 | $690 | $1,460 | $770 |
| Fulton County, NY | $107,600 | $1,215 | $890 | $1,690 | $800 |
| Cummington, MA | $247,000 | $1,064 | $710 | $1,510 | $800 |
| Tannersville, NY | $164,300 | $673 | $460 | $930 | $470 |