Potsdam Insurance Rates:

Potsdam, NY home insurance is roughly $498 to $675, about $41-$56/month. Our comprehensive analysis shows customers can save upto $234 by getting many quotes

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Potsdam, New York Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Potsdam Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $460/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1490 sqft Vacation Property Constructed In 1973 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $650/12 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1150 sqft Vacation Property Constructed In 1986 with Wood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 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 Smoker

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $580/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 2850 sqft Primary Residence Constructed In 1981 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Female who is Retired with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $870/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Bath 2090 sqft Seasonal Residence Constructed In 1998 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $450/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1570 sqft Primary Residence Constructed In 1970 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $660/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 2660 sqft Rental Property Constructed In 1997 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 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 Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $300/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1030 sqft Seasonal Residence Constructed In 1972 with Carpet Flooring, Composition Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $390/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 1680 sqft Vacation Property Constructed In 1976 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $330/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

4 Beds, 4 Baths 1880 sqft Seasonal Residence Constructed In 1984 with Wood Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Potsdam, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
13676 $101,300 $590

Potsdam Rates & Quotes Analysis:

Potsdam Area Estimated House Insurance
East Dr, Morgan Rd, Missouri Ave, Orchard St, Giffin Rd, Chestnut St, Potter Rd, Hatch Rd, Barker Rd, Railroad Ave$583
River Rd Exd, Leonard St, Cottage St, Munson St, Waite Rd, Tanner Rd, Market St, W Potsdam Rd, Co Rd 48, Judson Street Rd$584
Douglas Rd, Bay St, Hughes Rd, Sealy Dr, Leroy St, Midtown Apartment, Cty Rte 48, Old Potsdam Parishville Rd, Division St, Bay St$595
Old Potsdam Parishville Rd, Baldwin Ave, May Rd, Mackay Rd, Austin Ridge Rd, Pig St, Morton St, Miller Rd, Hillcrest Ave, Sykes Rd$584
Somerset Rd, Reynolds Rd, Co Rd 85, Finnigan Rd, Harrington Ct, Flat Rock Rd, Clough St, Castle Dr, Market St, State Rte 72$583

Insurance rates are influenced by a number of factors including:

  • Year Built: 539 Homes (11% of total homes ) built between 1980 to 1989 in Potsdam are paying home insurance between $876-$884. Places close to Potsdam, NY such as Santa Clara, Cranberry Lake, Duane are more expensive by $55, $40, $24 respectively while Rensselaer Falls and St. Regis Falls are cheaper by $11 and $14 respectively for similar homes.
  • Bedrooms: 1,655 3 bedrooms homes (35% of total homes ) in Potsdam are paying about $276 in contrast with Canton (+$3), DeKalb Junction (+$4), Santa Clara (+$18), Norfolk (-$7) and Waddington (-$5).
  • Auto Insurance Bundling: 1,215 Households (47% of all households) in Potsdam have 2 vehicles available and when it is bundled with home insurance you can save $117 and differs from Norwood ($116), Hannawa Falls ($117), Madrid ($116).
  • Senior Discounts: 1,219 seniors (more than 55 years) occupied housing units (47% of total) in Potsdam get discounts between $87 to $90 and differs from Norwood ($87), Hannawa Falls ($88), Winthrop ($86).
  • New Homes discounts: New homes such as the 1,130 homes built between 2000 to 2009 in Potsdam can save $117 compared to Norwood ($116), Hannawa Falls ($117), Madrid ($116).

Potsdam Homeowners insurance Facts

  • Potsdam, NY has 2,551 owner occupied houses which is 56.4% of all units whereas Norwood, Hannawa Falls and Madrid have 66.62%, 82.73% and 80.4% respectively.
  • Potsdam, NY homeowners yearly insurance price at $587 is 0.6% of the typical house value of $98,100 which is in contrast with 0.72% in Norwood, 0.55% at Hannawa Falls & 0.75% in Madrid.
  • Homeowners in Potsdam, NY pay 2.61% of their income ($20,000 to $24,999) in insurance whereas homeowners in Norwood, Madrid and Stockholm pay 2.59%, 2.59% and 2.59% respectively.
  • Potsdam, NY’s insurance is 4.0% of monthly housing costs of $1,219/month, for owners with a mortgage compared to 4.33% in Norwood, 4.6% at Hannawa Falls & 4.32% in Madrid. But, for households without a mortgage, insurance is 8.8% of costs ($557 in Potsdam, NY) in contrast with 9.6% in Norwood, 8.52% at Hannawa Falls & 10.31% in Madrid.

Potsdam, NY Home Values & Insurance rates

For example, insurance for 155 Homes (6.0% of total homes ) valued between $200,000 to $249,999 in Potsdam, NY is about $1,344. Rates in nearby areas in such as Hannawa Falls, Canton, Waddington are cheaper by $110, $261, $80 respectively while Madrid and Stockholm are costlier by $346 and $265 respectively for similar homes.

Potsdam, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 357 14.0% $146
$50,000 to $59,999 176 7.0% $311
$60,000 to $69,999 211 8.0% $387
$70,000 to $79,999 236 9.0% $446
$80,000 to $89,999 209 8.0% $504
$90,000 to $99,999 107 4.0% $563
$100,000 to $124,999 300 12.0% $657
$125,000 to $149,999 233 9.0% $821
$150,000 to $174,999 184 7.0% $968
$175,000 to $199,999 147 6.0% $1121
$200,000 to $249,999 155 6.0% $1344
$300,000 to $399,999 75 3.0% $2089

Renters Insurance in Potsdam

  • Average Renters Insurance in Potsdam :  $201($16/month)

  • Median Gross Rent in Potsdam :  $684

  • Potsdam Renters Insurance to Median Rent Ratio:  2.34%

  • Renter occupied housing units in Potsdam :  1,970

Potsdam Renters Insurance as a Percentage of Rent

Potsdam Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 112 5.0% $800
$300 to $499 272 14.0% $1250
$500 to $749 767 40.0% $1925
$750 to $999 423 22.0% $2675
$1,000 to $1,499 259 13.0% $3800
$1,500 or more 69 3.0% $5450

Rent Affordability in Potsdam:

Approximately 52.0% (1,041) of households are spending more than 35% of their income on gross rent in Potsdam

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 231 11.0%
15.0 to 19.9 percent 161 8.0%
20.0 to 24.9 percent 239 12.0%
25.0 to 29.9 percent 158 8.0%
30.0 to 34.9 percent 140 7.0%
35.0 percent or more 1,041 52.0%

Potsdam Renters Insurance Discounts:

Potsdam Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Potsdam, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,169 59.0% $20.1
2 vehicles available 384 19.0% $30.15
3 or more vehicles available 76 3.0% $40.2

Protective device discount in Potsdam Up to :  $30

Claims-free discount in Potsdam Up to :  $40