Gavop shows you how to buy homeowners insurance in Saratoga, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Saratoga, 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 | |
| Arnold Ln, Morgans Run, Pond St, Cemetary Rd, Hillandale Farm Rd, Coveville Rd, Wooley Rd, Fire Ln 8, Farrell Rd, Ironwood Dr | $271,500 | $230,000 | $250,000-$300,000 | $229,500 | $210,000 | $200,000-$250,000 |
| Southard Rd, Anthony Ln, Connor Rd, Hayes Rd, Schuyler Island Way, Daigle Dr, Trombley Rd, State Hwy 32 S, Morgan's Run, Co Rd 68 | $258,500 | $240,000 | $200,000-$250,000 | $154,500 | $140,000 | $125,000-$150,000 |
| Hill Rd, Beagle Ln, Morgans Run, Co Rd 40, Burch, Curto Dr, Mennen Rd, Chelsea Dr, Spook Hollow Rd, Cahill Rd | $316,500 | $290,000 | $350,000-$400,000 | $171,500 | $140,000 | $150,000-$175,000 |
| Pine Ln, Clancy St, Canal St, Town Garage Rd, Grange Hall Rd, Herkimer St, Cedar Bluff Ct, State Hwy 32 S, Farnan Rd, Lafayette St | $211,500 | $180,000 | $200,000-$250,000 | $210,000 | $180,000 | $200,000-$250,000 |
| Chapman Hill Rd, Wright Rd, Green St, Chestnut St, Rodgers Ln, Ranger Rd, Russell Rd, Lohnes Rd, Burk Ln, Elizabeth Ln | $239,000 | $200,000 | $250,000-$300,000 | $235,000 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$130 | $556 |
| Superior Protection Discount | -$62 | $625 |
| Fire & Security Discount | -$55 | $631 |
| Hail Resistant Roof Discount | -$14 | $673 |
| Newly Constructed Home Discount | -$151 | $535 |
| 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 |
| Saratoga County | $1,000 | $882 | $1,882 | $641 | $1,641 | $241 |
| Saratoga, NY | $1,000 | $678 | $1,678 | $493 | $1,493 | $185 |
| Greenwich, NY | $100 | $681 | $781 | $495 | $595 | $186 |
| Arlington, VT | $700 | $826 | $1,526 | $600 | $1,300 | $226 |
| Edinburg, NY | $500 | $895 | $1,395 | $651 | $1,151 | $245 |
| Fort Johnson, NY | $2,000 | $583 | $2,583 | $424 | $2,424 | $159 |
| Gloversville, NY | $200 | $940 | $1,140 | $683 | $883 | $257 |
| Dresden, NY | $1,000 | $652 | $1,652 | $474 | $1,474 | $178 |
| Savoy, MA | $500 | $909 | $1,409 | $661 | $1,161 | $248 |
| Castleton, VT | $1,500 | $705 | $2,205 | $513 | $2,013 | $193 |
| Windham County, VT | $500 | $738 | $1,238 | $536 | $1,036 | $202 |
| Charlemont, MA | $2,500 | $986 | $3,486 | $717 | $3,217 | $269 |
| Home Insurance Company Saratoga, NY | Homeowners Insurance Agency Saratoga, NY | Address | Popularity Score | Distance from Saratoga (miles) |
|---|---|---|---|---|
| Nationwide | Michael O. Murphy | 195 Washington St., Saratoga Springs, NY, 12866-4226 | 7.6 | |
| Erie | Adams Station Insurance Inc. | 423 Kenwood Avenue, Delmar, NY, 12054 | 31.2 | |
| State Farm | Rob Field | 431 New Scotland Ave, Albany, NY, 12208-2726 | 28.5 | |
| Travelers | Dinsmore Agency Inc | 467 Troy-Schenectady Rd, Latham, NY, 12110 | 21.9 | |
| State Farm | Jenny Rulison-Fisch | 3717 State Highway 30 Ste 2, Amsterdam, NY, 12010 | 28.6 | |
| Allstate | Willie Miranda Jr | 1480 Route 9, Clifton Park, NY, 12065 | 15.7 | |
| Travelers | Robson & Geraghty | 29 Church St # 176, Hoosick Falls, NY, 12090 | 18.4 | |
| Travelers | Hamlin Robert & Ridgeway Ltd | 381 Sand Creek Rd, Albany, NY, 12205 | 25.0 | |
| Travelers | Schuylerville Ins. | 144 Broad Street, Schuylerville, NY, 12871 | 4.8 | |
| State Farm | Dione Ramsdill | 3076-3 Route 50, Saratoga Springs, NY, 12866-2906 | 7.1 |
| 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 | $800 | $1,640 | $840 |
| Saratoga County, NY | $243,600 | $893 | $630 | $1,240 | $610 |
| Saratoga, NY | $214,300 | $686 | $470 | $950 | $480 |
| Greenwich, NY | $171,500 | $689 | $460 | $980 | $520 |
| Arlington, VT | $257,500 | $836 | $560 | $1,160 | $600 |
| Edinburg, NY | $237,700 | $906 | $630 | $1,290 | $660 |
| Fort Johnson, NY | $90,600 | $590 | $430 | $820 | $390 |
| Gloversville, NY | $77,400 | $952 | $690 | $1,350 | $660 |
| Dresden, NY | $158,200 | $660 | $460 | $910 | $450 |
| Savoy, MA | $185,700 | $920 | $630 | $1,270 | $640 |
| Castleton, VT | $178,800 | $714 | $510 | $1,020 | $510 |
| Windham County, VT | $212,000 | $747 | $540 | $1,050 | $510 |
| Charlemont, MA | $220,200 | $998 | $720 | $1,420 | $700 |