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Saratoga Springs, NY Home Values & Insurance Rates

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

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

Example Saratoga Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceState FarmNationwide Insurance
Monthly Premium 19797225
Year Built 194920101987
Home Details 5 Beds, 4 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $350000-$400000$150000-$175000$250000-$300000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

Top Home Insurance Agents Near Saratoga Springs, NY

Home Insurance Company Near Saratoga Springs, NY Homeowners Insurance Agency Near Saratoga Springs, NY Address Distance from Saratoga Springs, NY (miles)
Rick J. Jarvis Associaties Dba Carey Insurance 1247 Dix Avenue , Hudson Falls, NY, 12839 20.2
Allstate Arthur Steinkritz 357 Bay Rd, Queensbury, NY, 12804 19.4
Allstate Grapevill Agency PO Box 460, Greenville, NY, 12083 48.3
State Farm Keith Stewart 820 Saratoga Rd, Burnt Hills, NY, 12027 12.2
Liberty Mutual Independent W H Shaw Insurance Agency 135 BONNET ST, MANCHESTER CENTER, VT, 5255 37.1


Estimated Home Insurance By Street Area Near Saratoga Springs, NY

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

Saratoga Springs, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Saratoga Springs Homeowner Insurance Premium Example $4,400$3,900
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $23,000$21,500
Net Savings to Saratoga Springs Home Owner from High Deductible Plan $1,500

Saratoga Springs, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Saratoga Springs, NY Home Replacement Value MORE than Home Value Saratoga Springs, NY Home Replacement Value LESS than Home Value
Replacement Value $388,500 $270,500
Insurance Premium based on Replacement Value $3,875 $2,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,000 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $700/year Insurance costlier by $475/year