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

Schenectady County, NY homeowners insurance rate is about $90-$20,880 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.

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

Nearby places/ Census Blocks & Streets Homeowners Insurance Cost ($)
Crow Hill Rd, W Duane Lake Rd, Youngs Rd, Co Rd 92, Co Rd 88, Creek Rd, Quaker Ln, Batter St, Mill Point Rd, Co Rd 121 10,320
Wellington Way, N Allendale Ave, Northumberland Dr, Breanna Dr, Clute Crest Dr, Westminster Way, Pearse Rd, Catalpa Ct, Stuyvesant St, Loudon Pl 1,560
Research Cir, Pine Ridge Ct, Zenner Rd, Middle St, Philomena Dr, Pembroke Ct, Van Antwerp Rd, Tamar Dr, Hempstead Ct, Highland Park Rd 20,880
Marion Blvd, Laury Ln, Lorelei Ln, Vley Rd, Macarthur Dr, Marilyn Dr, Henry St, Dalton Rd, Weise Rd, Van Slyke Ave 11,520
Park Ave W, Cliff St, Vrooman St, Daniels Ave, Chiswell St, Lathrop Ave, Gebhardt St, Hillcrest Ave, Woodlawn Ave, Alexander St 8,880

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

Place/ Neary by places Year Built Home Value ($) Premium ($)
Malta, NY 1986 249,000 922
Menands, NY 1987 235,400 918
Troy, NY 2000 147,500 722
Schoharie County, NY 1981 147,800 891
Cherry Valley, NY 2009 129,600 718

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

Insured Amount ($) Low Deductible ($500) High Deductible ($2500)
170,000 860 700

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

Home Value Total Homes % of Total Average Schenectady County, NY Homeowners Insurance ($)
Less than $50,000 1,070 2.0 90
Less than $200,000 3,585 9.0 672
Less than $300,000 3,245 8.0 990
More than $300,000 3,282 8.0 1,260
Less than $100,000 712 1.0 234

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

Coverage Average Premium ($) Increased Premium Due to Swimming Pool ($)
$150000-$175000 1,132 1,177

Schenectady 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 ($)
158,500 140,000 1,370 1,252 118

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

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