Saratoga Springs Insurance Rates:

Saratoga Springs, NY home insurance is roughly $529 to $720, about $44-$60/month. Our detailed guide reveals consumers can save upto $250 by comparing many quotes

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Saratoga Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $70/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 940 sqft Rental Property Constructed In 2012 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $650/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Baths 2210 sqft Vacation Property Constructed In 2014 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $150/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

2 Beds, 2 Bath 1670 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Male 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 :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $190/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Bath 1700 sqft Vacation Property Constructed In 1986 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1750/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 2070 sqft Primary Residence Constructed In 1941 with Hardwood Flooring, Composition Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $250/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1250 sqft Seasonal Residence Constructed In 1985 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1050/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Baths 2160 sqft Rental Property Constructed In 1948 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1510/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

4 Beds, 4 Baths 2320 sqft Vacation Property Constructed In 1949 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

Saratoga Springs Rates & Quotes Analysis:

Saratoga Springs Area Estimated House Insurance
Locust Grove Rd, Labelle Ln, Alfred Ct, Denton Rd, Birch St, E Harrison St, Poe Rd, Co Rd 64, Bolster Ln NE, Garside Rd$646
Hutchins St, Roosevelt Ct, Richard Ave, Skidmore Dr, Tamarack Trl, E Ridge, Azalea Dr, Stafford Bridge Rd, Beacon Hill Dr, Alger St$651
Bryan St, Santana Ct, Avery St, Gatewood Dr, Muldowney Rd, Aletta St, Broadway, Lawrence St, Daniel St, Southern Pl$615
East Ave, Arrowhead Rd, Crescent St, Marvin Pl, Gridley St, Karner Dr, Karista Spring Dr, Leaward Way, Vanderbilt Ave, Furlong St$620
Co Rd 65, P D Harris Rd, James St, Stonequist Apartment, Hickock Rd, Ave D, Diamond St, Myrtle St, Thoroughbred Dr, Allen Dr$610

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,918 Homes (36% of total homes ) built between 1939 or earlier in Saratoga Springs are paying home insurance between $1,337-$1,347. Places close to Saratoga Springs, NY such as Arlington(VT), North Bennington(VT), Shaftsbury(VT) are more expensive by $220, $189, $228 respectively while Saratoga County and North Ballston Spa are cheaper by $29 and $52 respectively for similar homes.
  • Bedrooms: 4,305 3 bedrooms homes (33% of total homes ) in Saratoga Springs are paying about $294. Areas near to Saratoga Springs such as Arlington(VT), North Bennington(VT), Shaftsbury(VT) are costlier by $180, $171, $182 respectively whereas Saratoga County and North Ballston Spa are more economical by $6, $12 respectively for similar homes.
  • Auto Insurance Bundling: 3,340 Households (49% of all households) in Saratoga Springs have 2 vehicles available and when it is bundled with home insurance you can save $125. Discounts for similar bundling in close by locations such as Saratoga County, North Ballston Spa, Ballston Spa come to $122, $120, $121 respectively.
  • Senior Discounts: 3,457 seniors (more than 55 years) occupied housing units (51% of total) in Saratoga Springs get discounts between $93 to $96 and varies from Saratoga County ($91), North Ballston Spa ($90), Malta ($92).
  • New Homes discounts: New homes such as the 3,715 homes built between 2000 to 2009 in Saratoga Springs can save $125 in contrast with Saratoga County ($122), North Ballston Spa ($120), Ballston Spa ($121).

Saratoga Springs Homeowners insurance Facts

  • Saratoga Springs, NY has 6,731 owner occupied houses which is 57.5% of all units whereas Saratoga County, North Ballston Spa and Ballston Spa have 72.89%, 96.1% and 52.06% respectively.
  • Saratoga Springs, NY homeowners yearly insurance price at $625 is 0.21% of the typical house value of $290,800 which is in contrast with 0.27% in Saratoga County, 0.36% at North Ballston Spa & 0.31% in Ballston Spa.
  • Homeowners in Saratoga Springs, NY pay 2.27% of their income ($25,000 to $29,999) in insurance whereas homeowners in Saratoga County, North Ballston Spa and Ballston Spa pay 2.23%, 2.18% and 2.2% respectively.
  • Saratoga Springs, NY’s insurance is 2.9% of monthly housing costs of $1,826/month, for owners with a mortgage compared to 3.01% in Saratoga County, 3.58% at North Ballston Spa & 3.18% in Ballston Spa. But, for households without a mortgage, insurance is 7.8% of costs ($664 in Saratoga Springs, NY) in contrast with 8.81% in Saratoga County, 11.31% at North Ballston Spa & 8.59% in Ballston Spa.

Saratoga Springs, NY Home Values & Insurance rates

For example, insurance for 57 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Saratoga Springs, NY is about $181. Rates in nearby areas in such as Bolton Landing, Bolton, Dorset are cheaper by $17, $17, $24 respectively while Saratoga County and North Ballston Spa are costlier by $45 and $125 respectively for similar homes.

Saratoga Springs, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 204 4.0% $50
$80,000 to $89,999 57 1.0% $181
$100,000 to $124,999 76 1.0% $231
$125,000 to $149,999 124 2.0% $293
$150,000 to $174,999 549 10.0% $343
$175,000 to $199,999 486 9.0% $400
$200,000 to $249,999 1,147 22.0% $481
$250,000 to $299,999 760 15.0% $587
$300,000 to $399,999 1,515 30.0% $750

Renters Insurance in Saratoga Springs

  • Average Renters Insurance in Saratoga Springs :  $129($10/month)

  • Median Gross Rent in Saratoga Springs :  $928

  • Saratoga Springs Renters Insurance to Median Rent Ratio:  1.08%

  • Renter occupied housing units in Saratoga Springs :  4,980

Saratoga Springs Renters Insurance as a Percentage of Rent

Saratoga Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 166 3.0% $332
$200 to $299 241 4.0% $782
$300 to $499 313 6.0% $1232
$500 to $749 633 13.0% $1907
$750 to $999 1,457 30.0% $2657
$1,000 to $1,499 1,232 25.0% $3782
$1,500 or more 792 16.0% $5432

Protective device discount in Saratoga Springs Up to :  $19

Claims-free discount in Saratoga Springs Up to :  $25