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Albany, NY Home Values & Insurance Rates

Albany, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 568 3.0% $78
$50,000 to $59,999 265 1.0% $174
$60,000 to $69,999 291 1.0% $217
$70,000 to $79,999 385 2.0% $247
$80,000 to $89,999 607 3.0% $283
$90,000 to $99,999 383 2.0% $313
$100,000 to $124,999 1,449 9.0% $367
$125,000 to $149,999 1,203 7.0% $458
$150,000 to $174,999 2,370 15.0% $542
$175,000 to $199,999 2,341 15.0% $627
$200,000 to $249,999 3,274 21.0% $753
$250,000 to $299,999 1,189 7.0% $916
$300,000 to $399,999 996 6.0% $1169

Albany Renters Insurance as a Percentage of Rent

Albany Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 236 1.0% $342
$200 to $299 1,589 6.0% $792
$300 to $499 1,836 7.0% $1242
$500 to $749 5,545 23.0% $1917
$750 to $999 7,769 33.0% $2667
$1,000 to $1,499 5,726 24.0% $3792
$1,500 or more 796 3.0% $5442

Example Albany Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyGEICO InsuranceErie Insurance
Monthly Premium 230267117
Year Built 194019421943
Home Details 4 Beds, 1 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$400000-$500000$175000-$200000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Top Home Insurance Agents Near Albany, NY

Home Insurance Company Near Albany, NY Homeowners Insurance Agency Near Albany, NY Address Distance from Albany, NY (miles)
Allstate Arthur Steinkritz 357 Bay Rd, Queensbury, NY, 12804 46.8
Travelers Helsmoortel Insurance Agency Inc 148 BURT STREET, SAUGERTIES, NY, 12477 42.2
Allstate Putman Ins Agcy Inc 164 Guy Park Ave, Amsterdam, NY, 12010 28.0
Travelers Sefcu Insurance Agency 569 MAIN ST STE 1, COBLESKILL, NY, 12043 34.9
State Farm Stephanie Mahoney 3770 Carman Rd Ste 2, Schenectady, NY, 12303-5670 8.0


Estimated Home Insurance By Street Area Near Albany, NY

Albany Area Estimated House Insurance
Ichabod Ln, Stonehenge Dr, Industrial Park Rd, Prospect Ave Exd, Bluebell Ln, Austin Ave, Fay St, Glynn St, Columbia Cir, Freeman Rd$588
Kakely St, Locust St, Pinehurst Ave, Orlando Ave, Glenwood St, Eileen St, Burdick Dr, Leonard Pl, Rathbone St, McPherson Ter$604
Alexander St, Orchard Ave, Onderdonk Ave, Birchwood Ct, Ten Broeck Pl, Sycamore St, Edward Ter, Yardboro Ave, Normanside Dr, Pleasantview Ave$600
Sycamore St, Andover Rd, Dudley Hts, Kelton Ct, Brevator St, Picotte Dr, Melrose Ave, Blanchard Ave, Moreland Ave, Winnie St$603
Tampa Ave, Albany St, Bonheim St, Franklin St, Rosemont St, Mariette Pl, Hawthorne Ave, Marwood St, Elmhurst Ave, Springsteen Ave$601

Albany, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Albany Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $9,600$8,600
Net Savings to Albany Home Owner from High Deductible Plan $1,000

Albany, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Albany, NY Home Replacement Value MORE than Home Value Albany, NY Home Replacement Value LESS than Home Value
Replacement Value $251,000 $182,000
Insurance Premium based on Replacement Value $2,925 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,500 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $400/year