Gavop's guide to buying homeowners insurance in Schuyler County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $60,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $150,000 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $177,000 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $99,500 | $90,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$77 | $883 |
| Home and Two Car | -$163 | $797 |
| Home and Three Car | -$221 | $739 |
| 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 |
| Schuyler County | $1,500 | $948 | $2,448 | $689 | $2,189 | $259 |
| Schuyler County, NY | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Seneca, NY | $500 | $618 | $1,118 | $449 | $949 | $169 |
| Geneva, NY | $1,500 | $940 | $2,440 | $683 | $2,183 | $257 |
| Jasper, NY | $100 | $583 | $683 | $424 | $524 | $159 |
| Virgil, NY | $1,000 | $643 | $1,643 | $467 | $1,467 | $176 |
| Nichols, NY | $200 | $584 | $784 | $424 | $624 | $160 |
| Sparta, NY | $1,000 | $590 | $1,590 | $429 | $1,429 | $161 |
| Throop, NY | $500 | $627 | $1,127 | $456 | $956 | $171 |
| Sullivan, PA | $1,000 | $769 | $1,769 | $559 | $1,559 | $210 |
| Ulster, PA | $500 | $644 | $1,144 | $468 | $968 | $176 |
| Sheshequin, PA | $1,000 | $714 | $1,714 | $519 | $1,519 | $195 |
| Home Insurance Company Schuyler County, NY | Homeowners Insurance Agency Schuyler County, NY | Address | Popularity Score | Distance from Schuyler County (miles) |
|---|---|---|---|---|
| Erie | Nolans Insurance Agency Inc. | 33 William Street Suite 6a, Auburn, NY, 13021 | 39.9 | |
| State Farm | Ryan Keenan | 403 N Decatur St, Watkins Glen, NY, 14891-1253 | 4.4 | |
| Travelers | Paul F Tilly Agency Llc | 1895 Rochester St, Lima, NY, 14485 | 47.9 | |
| Travelers | Cig Insurance Agency | 470 South Pearl St, Canandaigua, NY, 14424 | 36.2 | |
| State Farm | Dave Palma | 176 Main St, Hornell, NY, 14843-1526 | 37.4 | |
| State Farm | Tom Ferlenda | 7257 Owasco Road, Auburn, NY, 13021-5132 | 39.9 | |
| Allstate | Shaun Kemp | 2580b County Road 28, Canandaigua, NY, 14424 | 38.1 | |
| Travelers | The Mitchell-Joseph Agency | 19 W Main St, Honeoye Falls, NY, 14472 | 49.6 | |
| Allstate | James Sullivan Agy | 27 Main St, Livonia, NY, 14487 | 46.4 | |
| Travelers | J A Edwards & Co Inc | 24 E Main St, Clifton Springs, NY, 14432 | 38.7 |
| 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 | $830 | $1,640 | $810 |
| Schuyler County, NY | $114,700 | $960 | $690 | $1,350 | $660 |
| Schuyler County, NY | $114,700 | $960 | $650 | $1,350 | $700 |
| Seneca, NY | $138,300 | $625 | $420 | $860 | $440 |
| Geneva, NY | $93,700 | $952 | $690 | $1,360 | $670 |
| Jasper, NY | $93,800 | $590 | $420 | $830 | $410 |
| Virgil, NY | $154,100 | $651 | $480 | $920 | $440 |
| Nichols, NY | $99,500 | $591 | $430 | $850 | $420 |
| Sparta, NY | $112,600 | $597 | $410 | $830 | $420 |
| Throop, NY | $144,800 | $635 | $440 | $870 | $430 |
| Sullivan, PA | $188,500 | $778 | $520 | $1,100 | $580 |
| Ulster, PA | $124,500 | $652 | $450 | $890 | $440 |
| Sheshequin, PA | $159,100 | $723 | $490 | $1,030 | $540 |