Hudson Falls Insurance Rates:

Hudson Falls, NY home insurance is roughly $504 to $683, about $42-$56/month. Our all inclusive analysis indicates shoppers can save as much as $237 by getting different quotes

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Hudson Falls, New York Homeowners Insurance Reviews separate fact from fiction. Compare realistic quotes from the best home insurance providers.

Hudson Falls Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $650/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Bath 2150 sqft Seasonal Residence Constructed In 1963 with Linoleum, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $730/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2520 sqft Seasonal Residence Constructed In 1969 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $820/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1050 sqft Rental Property Constructed In 1966 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $550/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 2350 sqft Vacation Property Constructed In 1948 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $940/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1680 sqft Vacation Property Constructed In 1968 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $990/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 3620 sqft Rental Property Constructed In 1969 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $890/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 4750 sqft Seasonal Residence Constructed In 1963 with Carpet Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $810/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Baths 3310 sqft Primary Residence Constructed In 1947 with Carpet Flooring, Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1040/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 1670 sqft Rental Property Constructed In 1949 with Stone Flooring, Membrane Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $260/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 2080 sqft Vacation Property Constructed In 1948 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Hudson Falls, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
12839 $142,400 $600

Hudson Falls Rates & Quotes Analysis:

Hudson Falls Area Estimated House Insurance
4th St, Linden Dr, Warren St, Spruce St, Paris Ave, N Oak St, 2nd St, Circular St, Court St, School St$593
3rd Ave, Brenda Dr, Delaware Ave, McDowell St, Broad St, Walnut St, Mosher Hill St, Wright St, Preston St, Catherine St$593
Sarver St, Baker St, Union St, Weston St, Notre Dame St, Boulevard, Cherry St, Alma Ave, 7th St, Poplar St$595
Melbourne St, Ferris St, John St, Mechanic St, Sumpter St, Mohican Ter, Warren St, Tidmarsh St, Beech St, Chelsea Sq$592
5th St, Brook Rd, Minor St, Pender St, Labarge St, Chestnut St, Mercy St, Locust St, Hudson Pl, Martindale Ave$594

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,513 Homes (46% of total homes ) built between 1939 or earlier in Hudson Falls are paying home insurance between $1,271-$1,280. Places close to Hudson Falls, NY such as Glens Falls North, Northumberland, Lake Luzerne are more expensive by $32, $23, $17 respectively while Fort Edward and Granville are cheaper by $13 and $11 respectively for similar homes.
  • Bedrooms: 540 1 bedroom homes (17% of total homes ) in Hudson Falls are paying about $214. Areas near to Hudson Falls such as Bolton Landing, Saratoga Springs, Rupert(VT) are costlier by $7, $5, $151 respectively whereas Kingsbury and Fort Edward are more economical by $5, $7 respectively for similar homes.
  • Auto Insurance Bundling: 800 Households (40% of all households) in Hudson Falls have 2 vehicles available and when it is bundled with home insurance you can save $118. Discounts for similar bundling in close by locations such as Kingsbury, South Glens Falls, Glens Falls come to $119, $119, $119 respectively.
  • Senior Discounts: 954 seniors (more than 55 years) occupied housing units (47% of total) in Hudson Falls get discounts between $88 to $91 in contrast with Kingsbury ($89), Fort Edward ($88), Glens Falls North ($91).
  • New Homes discounts: New homes such as the 768 homes built between 2000 to 2009 in Hudson Falls can save $118 and similar new home insurance discounts in nearby towns and cities like Kingsbury, South Glens Falls and Glens Falls are $119, $119 and $119 respectively.

Hudson Falls Homeowners insurance Facts

  • Hudson Falls, NY has 1,990 owner occupied houses which is 65.3% of all units whereas Kingsbury, South Glens Falls and Glens Falls have 65.45%, 55.14% and 51.68% respectively.
  • Hudson Falls, NY homeowners yearly insurance price at $594 is 0.44% of the typical house value of $134,000 which is in contrast with 0.4% in Kingsbury, 0.4% at South Glens Falls & 0.39% in Glens Falls.
  • Homeowners in Hudson Falls, NY pay 1.4% of their income ($40,000 to $44,999) in insurance whereas homeowners in Kingsbury, South Glens Falls and Glens Falls pay 1.4%, 1.4% and 1.4% respectively.
  • Hudson Falls, NY’s insurance is 4.0% of monthly housing costs of $1,249/month, for owners with a mortgage compared to 3.91% in Kingsbury, 4.11% at South Glens Falls & 3.69% in Glens Falls. But, for households without a mortgage, insurance is 9.1% of costs ($547 in Hudson Falls, NY) in contrast with 9.85% in Kingsbury, 11.62% at South Glens Falls & 10.05% in Glens Falls.

Hudson Falls, NY Home Values & Insurance rates

For example, insurance for 84 Homes (4.0% of total homes ) valued between $200,000 to $249,999 in Hudson Falls, NY is about $997. Rates in nearby areas in such as Kingsbury, South Glens Falls, Glens Falls are cheaper by $90, $102, $120 respectively while Fort Edward and Granville are costlier by $198 and $135 respectively for similar homes.

Hudson Falls, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 36 1.0% $106
$50,000 to $59,999 25 1.0% $231
$60,000 to $69,999 31 1.0% $285
$70,000 to $79,999 26 1.0% $326
$80,000 to $89,999 162 8.0% $374
$90,000 to $99,999 205 10.0% $415
$100,000 to $124,999 367 18.0% $487
$125,000 to $149,999 399 20.0% $605
$150,000 to $174,999 406 20.0% $718
$175,000 to $199,999 150 7.0% $825
$200,000 to $249,999 84 4.0% $997
$250,000 to $299,999 38 1.0% $1217
$300,000 to $399,999 28 1.0% $1550

Renters Insurance in Hudson Falls

  • Average Renters Insurance in Hudson Falls :  $187($15/month)

  • Median Gross Rent in Hudson Falls :  $694

  • Hudson Falls Renters Insurance to Median Rent Ratio:  2.16%

  • Renter occupied housing units in Hudson Falls :  1,057

Hudson Falls Renters Insurance as a Percentage of Rent

Hudson Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 23 2.0% $346
$200 to $299 49 4.0% $796
$300 to $499 44 4.0% $1246
$500 to $749 550 55.0% $1921
$750 to $999 202 20.0% $2671
$1,000 to $1,499 100 10.0% $3796
$1,500 or more 24 2.0% $5446

Rent Affordability in Hudson Falls:

Approximately 55.0% (589) of households are spending more than 35% of their income on gross rent in Hudson Falls

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 37 3.0%
15.0 to 19.9 percent 103 9.0%
20.0 to 24.9 percent 204 19.0%
25.0 to 29.9 percent 87 8.0%
30.0 to 34.9 percent 37 3.0%
35.0 percent or more 589 55.0%

Protective device discount in Hudson Falls Up to :  $28

Claims-free discount in Hudson Falls Up to :  $37