Albany Insurance Rates:

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.

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Latest Home Insurance Reviews

Traveler's
I like that my insurance company has competitive prices. i do not feel that i am being gouged by them for profit.
Farmers Mutual
The last time i filed a claim, the claim agent was very helpful and made sure we could reach out to him at any time during the claims process.
State Farm
After doing extensive and time-consuming online research, i gleaned that state farm had the most reasonable rates for the most comprehensive coverage.

Albany, NY Homeowners Insurance By Home Value

Albany, NY Home Value Total Homes % of Total Average Albany, NY Homeowners Insurance
Less than $50,000 568 3.0% $78
$50,000 to $59,999 265 1.0% $174
$60,000 to $69,999 291 1.0% $217
$70,000 to $79,999 385 2.0% $247
$80,000 to $89,999 607 3.0% $283
$90,000 to $99,999 383 2.0% $313
$100,000 to $124,999 1,449 9.0% $367
$125,000 to $149,999 1,203 7.0% $458
$150,000 to $174,999 2,370 15.0% $542
$175,000 to $199,999 2,341 15.0% $627
$200,000 to $249,999 3,274 21.0% $753
$250,000 to $299,999 1,189 7.0% $916
$300,000 to $399,999 996 6.0% $1169

Top Home Insurance Agents Near Albany, NY

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

Cost Of Homeowners Insurance By Street Near Albany, NY

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

Albany, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Albany$90 to $92
Rensselaer$89
Menands$92
Westmere$91

Albany, NY Auto & Homeowners Insurance Bundling Discounts

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

Albany, NY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Albany, NY3.2%8.6%
Rensselaer3.65%8.88%
Menands2.61%5.51%
Westmere2.72%7.92%

Albany Renters Insurance as a Percentage of Rent

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

Albany, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Albany, NY Home Insurance Costs With Home Replacement Value Scenarios

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

Example Albany Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyGEICO InsuranceErie Insurance
Monthly Premium 230267117
Year Built 194019421943
Home Details 4 Beds, 1 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$400000-$500000$175000-$200000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Albany, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 260,000 Wood Shake Roof 2,450 4 $2500-$5000 Deductible 1560 8 Stone Siding yes
1947 380,000 Asphalt Shingles Roof 3,650 5 $500 Deductible 310 1 Stone Siding No
1945 160,000 Tile Roof 1,510 3 $500 Deductible 180 2 Stone Siding yes
1942 225,000 Metal Roof 2,180 3 $500 Deductible 1340 7 Stucco siding No
1941 150,000 Slate Shingles Roof 1,220 2 $500- $1000 Deductible 1360 12 Stucco siding No
1946 505,000 Membrane Roof 4,290 5 > $10,000 Deductible 1880 10 Fiber-Cement Siding No
1940 320,000 Slate Shingles Roof 3,310 4 $500- $1000 Deductible 2930 10 Wood siding No
1942 110,000 Metal Roof 1,290 3 $1000-$2500 Deductible 680 10 Stucco siding No
1941 110,000 Shingles Roof 1,140 2 $1000-$2500 Deductible 480 7 Vinyl siding No
1942 215,000 Shingles Roof 2,010 3 > $10,000 Deductible 1200 12 Stucco siding No
1946 290,000 Tile Roof 2,690 4 $2500-$5000 Deductible 1470 8 Stone Siding No
1949 145,000 Slate Shingles Roof 1,490 2 $500- $1000 Deductible 210 2 Stone Siding yes
1949 100,000 Composition Roof 950 2 $1000-$2500 Deductible 570 8 Brick siding yes
1938 50,000 Tile Roof 1,027 2 $2500-$5000 Deductible 230 7 Vinyl siding yes