What Makes Your Otsego County, NY Home Insurance Cheap or Expensive

Otsego County, NY homeowners insurance rate is about $106-$16,200 per annum. Gavop has done in-depth research to analyse the insurance rates for homes based on factors such as location, value and age of home, deductible rates, home coverage, replacement values etc. Enter your Zip Code below and click 'GO' to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Cost of Otsego County, NY Homeowners Insurance in Different Neighborhoods | Back to Top

Nearby places/ Census Blocks & Streets Homeowners Insurance Cost ($)
Myers Mills Rd, Co Rd 12, Rooney Rd, Ketcham Rd, Sugar Bush Rd, W Edmeston Rd, South Rd, Elliot Rd, Lake View Ter, Jennison Rd 7,920
Co Rd 50, Co Hwy 32A, Van Alstine Rd, Hade Hollow Rd, Co Hwy 50, Co Hwy 27, Rathbun Rd, Graves Rd, McShane Rd, Gross Rd 7,320
Co Rd 23, Co Hwy 21, Walters Way, Buell Rd, Woodland Rd, Co Rd 18, Hinds Rd, Joslin Rd, Warren St Exd, Henry Conklin Rd 600
Palmer Rd, Naylors Corners Rd, Tiffany Ln, Heavy Duty Rd, Lower Rd, Van Tassell Rd, Co Hwy 6, Co Rte 10, Downey Rd Spr, Winney Hill Rd 15,120
Musson Erwin Rd, District 14 Rd, E Side Rd, Camp Hill Rd, Bell Hill Rd, Pochy Rd, Clark Rd, Bloom St, Wilbur Hill Rd, Highland Ave 16,200

Cost of Otsego County, NY Homeowners Insurance based on Home value, and Year Built | Back to Top

Place/ Neary by places Year Built Home Value ($) Premium ($)
New Berlin, NY 2004 94,700 710
Kortright, NY 2003 135,700 718
Sherburne, NY 2001 89,300 709
German Flatts, NY 1981 84,900 877
Sidney, NY 2009 84,800 710

Cost of Home insurance with Deductible Scenarios in Otsego County, NY | Back to Top

Insured Amount ($) Low Deductible ($500) High Deductible ($2500)
146,300 750 630

Otsego County, NY Homeowners Insurance based on Home Coverage| Back to Top

Home Value Total Homes % of Total Average Otsego County, NY Homeowners Insurance ($)
Less than $50,000 1,859 11.0 106
Less than $200,000 1,224 7.0 825
Less than $300,000 1,121 6.0 1,217
More than $300,000 1,121 6.0 1,544
Less than $100,000 554 3.0 231

Otsego County, NY Homeowners Insurance Goes up for Homes with Swimming Pools| Back to Top

Coverage Average Premium ($) Increased Premium Due to Swimming Pool ($)
$125000-$150000 901 941

Otsego County, NY Home Insurance Rates Saving Based on Replacement Value | Back to Top

Home Value ($) Replacement Value ($) Premium Based on Home Value ($) Premium Based on Replacement Value ($) Premium Savings Compared to Home Value ($)
128,500 110,000 1,787 702 1,085

How can I Make My Otsego County, NY Home Insurance Cheaper

7 Ways to Get Discounts on Homeowners Insurance in Otsego County, NY