Albany, NY homeowners insurance is approximately $512 to $694, about $42-$57/month. Our comprehensive research indicates shoppers can save as much as $241 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Albany, NY | Homeowners Insurance Agency Near Albany, NY | Address |
|---|---|---|
| Allstate | Arthur Steinkritz | 357 Bay Rd, Queensbury, NY, 12804 |
| Travelers | Helsmoortel Insurance Agency Inc | 148 BURT STREET, SAUGERTIES, NY, 12477 |
| Allstate | Putman Ins Agcy Inc | 164 Guy Park Ave, Amsterdam, NY, 12010 |
| Travelers | Sefcu Insurance Agency | 569 MAIN ST STE 1, COBLESKILL, NY, 12043 |
| State Farm | Stephanie Mahoney | 3770 Carman Rd Ste 2, Schenectady, NY, 12303-5670 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Rensselaer city, New York | $75 | $99 | $149 |
| Menands village, New York | $77 | $102 | $153 |
| Westmere CDP, New York | $76 | $101 | $152 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Albany, NY | 3.2% | 8.6% |
| Rensselaer | 3.65% | 8.88% |
| Menands | 2.61% | 5.51% |
| Westmere | 2.72% | 7.92% |
| Albany Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 236 | 1.0% | $342 |
| $200 to $299 | 1,589 | 6.0% | $792 |
| $300 to $499 | 1,836 | 7.0% | $1242 |
| $500 to $749 | 5,545 | 23.0% | $1917 |
| $750 to $999 | 7,769 | 33.0% | $2667 |
| $1,000 to $1,499 | 5,726 | 24.0% | $3792 |
| $1,500 or more | 796 | 3.0% | $5442 |
| Streets in Albany Area | Homeowners Insurance Cost |
|---|---|
| Ichabod Ln, Stonehenge Dr, Industrial Park Rd, Prospect Ave Exd, Bluebell Ln, Austin Ave, Fay St, Glynn St, Columbia Cir, Freeman Rd | $588 |
| Kakely St, Locust St, Pinehurst Ave, Orlando Ave, Glenwood St, Eileen St, Burdick Dr, Leonard Pl, Rathbone St, McPherson Ter | $604 |
| Alexander St, Orchard Ave, Onderdonk Ave, Birchwood Ct, Ten Broeck Pl, Sycamore St, Edward Ter, Yardboro Ave, Normanside Dr, Pleasantview Ave | $600 |
| Sycamore St, Andover Rd, Dudley Hts, Kelton Ct, Brevator St, Picotte Dr, Melrose Ave, Blanchard Ave, Moreland Ave, Winnie St | $603 |
| Tampa Ave, Albany St, Bonheim St, Franklin St, Rosemont St, Mariette Pl, Hawthorne Ave, Marwood St, Elmhurst Ave, Springsteen Ave | $601 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Albany | $90 to $92 |
| Rensselaer | $89 |
| Menands | $92 |
| Westmere | $91 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Albany Homeowner Insurance Premium Example | $2,000 | $1,500 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $9,600 | $8,600 |
| Net Savings to Albany Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Albany, NY Home Replacement Value MORE than Home Value | Albany, NY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $251,000 | $182,000 |
| Insurance Premium based on Replacement Value | $2,925 | $2,125 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $34,500 | Risk Exposure from Under Insuring Coverage is $34,500 |
| Premium Impact | Insurance cheaper by $400/year | Insurance costlier by $400/year |
| Insurance Company | Amica Mutual Insurance Company | GEICO Insurance | Erie Insurance |
| Monthly Premium | 230 | 267 | 117 |
| Year Built | 1940 | 1942 | 1943 |
| Home Details | 4 Beds, 1 Baths | 5 Beds, 4 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $400000-$500000 | $175000-$200000 |
| Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |