Sand Lake Insurance Rates:

Sand Lake, NY home insurance is roughly $518 to $704, about $43-$58/month. Our all inclusive research indicates shoppers can save as much as $244 by getting many quotes

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Sand Lake Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $950/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Bath 1650 sqft Seasonal Residence Constructed In 1947 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $2160/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $540,000

5 Beds, 5 Baths 4840 sqft Primary Residence Constructed In 2014 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $990/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Bath 1710 sqft Vacation Property Constructed In 1945 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2180/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 2870 sqft Vacation Property Constructed In 1947 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $730/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1650 sqft Rental Property Constructed In 1947 with Hardwood Flooring, Metal Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $700/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1400 sqft Vacation Property Constructed In 1972 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2990/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $565,000

5 Beds, 5 Baths 4890 sqft Seasonal Residence Constructed In 1967 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $750/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Bath 1910 sqft Rental Property Constructed In 2012 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Male who has a Part 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

  • 550-599 Credit Score

  • Seniors staying at home

Sand Lake, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
12153 $217,300 $610

Sand Lake Rates & Quotes Analysis:

Sand Lake Area Estimated House Insurance
Valley Dr, Chamberlin Hill Rd Exd, Chamberlin Hill Rd, Holly Hills Rd, Dahl Way, Crystal Lake Rd, Rosemont Ave, Hoffman Rd Exd, Arlene Ct, Loon Creek Ln$609
Apple Rd, Denver Dr, Co Rd 49, Grandway, Campano Way, Tyler Way, Co Rd 150, Capital Blvd, Mosher Rd, Birds Hill Rd$611
Robin Rd, Kodiak Dr, Barzen Rd, Birch Dr, Holcomb Rd, Johnny Cake Ln, Ernie's Way, Bon Acre Way, First Dyke Rd, Lilly Ln$609
Old Best Rd, Springer Rd, Winter Haven, Westfall Ct, Creek Ln, Old State Rte 66, Beverly Dr, Old State Hwy 66, Co Rd 47, Howe Way$607
First Dyke Rd, Dahl Dr, Morlock Dr, Ford Rd, Delma Ln, Debbie Ln, Co Rd 42, Co Rd 52, Chaundray Ln, Tollgate Rd$611

Insurance rates are influenced by a number of factors including:

  • Year Built: 424 Homes (10% of total) built between 1990 to 1999 in Sand Lake are paying home insurance between $880-$889 and differs from Hancock(MA) (+$607), Chatham (+$16), Canaan (+$11), Nassau (-$12) and Rensselaer County (-$10).
  • Bedrooms: 989 4 bedrooms homes (26% of total homes ) in Sand Lake are paying about $464 and differs from Averill Park (+$5), West Sand Lake (+$6), Menands (+$3), Rensselaer County (-$5) and Stephentown (-$4).
  • Auto Insurance Bundling: 1,414 Households (48% of all households) in Sand Lake have 2 vehicles available and when it is bundled with home insurance you can save $122 and varies from Averill Park ($121), West Sand Lake ($122), Poestenkill ($122).
  • Senior Discounts: 1,411 seniors (more than 55 years) occupied housing units (48% of total) in Sand Lake get discounts between $91 to $93 compared to Averill Park ($91), Nassau ($90), Berlin ($89).
  • New Homes discounts: New homes such as the 1,389 homes built between 2000 to 2009 in Sand Lake can save $122 and similar new home insurance discounts in nearby towns and cities like Averill Park, West Sand Lake and Poestenkill are $121, $122 and $122 respectively.

Sand Lake Homeowners insurance Facts

  • Sand Lake, NY has 2,911 owner occupied houses which is 84.6% of all units whereas Averill Park, West Sand Lake and Poestenkill have 71.31%, 85.1% and 82.64% respectively.
  • Sand Lake, NY homeowners yearly insurance price at $610 is 0.28% of the typical house value of $219,900 which is in contrast with 0.29% in Averill Park, 0.28% at West Sand Lake & 0.28% in Poestenkill.
  • Homeowners in Sand Lake, NY pay 2.22% of their income ($25,000 to $29,999) in insurance whereas homeowners in Averill Park, West Sand Lake and Poestenkill pay 2.21%, 2.22% and 2.22% respectively.
  • Sand Lake, NY’s insurance is 2.8% of monthly housing costs of $1,815/month, for owners with a mortgage compared to 2.61% in Averill Park, 2.5% at West Sand Lake & 2.83% in Poestenkill. But, for households without a mortgage, insurance is 7.6% of costs ($666 in Sand Lake, NY) in contrast with 6.64% in Averill Park, 7.73% at West Sand Lake & 10.11% in Poestenkill.

Sand Lake, NY Home Values & Insurance rates

For example, insurance for 42 Homes (1.0% of total homes ) valued between Less than $50,000 in Sand Lake, NY is about $67. Rates in nearby areas in such as Brunswick, Niverville, Waterford are cheaper by $1, $6, $1 respectively while Rensselaer County and Wynantskill are costlier by $11 and $23 respectively for similar homes.

Sand Lake, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 42 1.0% $67
$50,000 to $59,999 51 1.0% $140
$60,000 to $69,999 62 2.0% $176
$100,000 to $124,999 184 7.0% $305
$125,000 to $149,999 271 10.0% $378
$150,000 to $174,999 352 13.0% $445
$175,000 to $199,999 201 7.0% $518
$200,000 to $249,999 681 26.0% $622
$250,000 to $299,999 376 14.0% $762
$300,000 to $399,999 373 14.0% $969

Renters Insurance in Sand Lake

  • Average Renters Insurance in Sand Lake :  $156($13/month)

  • Median Gross Rent in Sand Lake :  $770

  • Sand Lake Renters Insurance to Median Rent Ratio:  1.69%

  • Average household size of renter-occupied unit :  1.93

Sand Lake Renters Insurance as a Percentage of Rent

Sand Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 16 3.0% $789
$300 to $499 52 10.0% $1239
$500 to $749 171 34.0% $1914
$750 to $999 47 9.0% $2664
$1,000 to $1,499 155 31.0% $3789
$1,500 or more 54 10.0% $5439

Rent Affordability in Sand Lake:

Approximately 29.0% (159) of households are spending more than 35% of their income on gross rent in Sand Lake

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 114 21.0%
15.0 to 19.9 percent 62 11.0%
20.0 to 24.9 percent 105 19.0%
25.0 to 29.9 percent 92 17.0%
35.0 percent or more 159 29.0%

Sand Lake Renters Insurance Discounts:

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

Number of Vehicles in Sand Lake, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 311 58.0% $15.6
2 vehicles available 123 23.0% $23.4
3 or more vehicles available 33 6.0% $31.2

Protective device discount in Sand Lake Up to :  $23

Claims-free discount in Sand Lake Up to :  $31