German Flatts Insurance Rates:

German Flatts, NY homeowners insurance is approximately $496 to $672, about $41-$56/month. Our exhaustive analysis reveals consumers can save upto $233 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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German Flatts, NY Homeowners Insurance By Home Value

German Flatts, NY Home Value Total Homes % of Total Average German Flatts, NY Homeowners Insurance
Less than $50,000 408 11.0% $169
$50,000 to $59,999 346 9.0% $356
$60,000 to $69,999 459 13.0% $443
$70,000 to $79,999 261 7.0% $513
$80,000 to $89,999 561 16.0% $584
$90,000 to $99,999 347 10.0% $648
$100,000 to $124,999 399 11.0% $753
$125,000 to $149,999 133 3.0% $940
$150,000 to $174,999 143 4.0% $1115
$175,000 to $199,999 163 4.0% $1284
$200,000 to $249,999 117 3.0% $1547
$250,000 to $299,999 105 3.0% $1892

Top Home Insurance Agents Near German Flatts, NY

Home Insurance Company Near German Flatts, NY Homeowners Insurance Agency Near German Flatts, NY Address
NA Costanza Insurance 115 S Litchfield St Ste A, Frankfort, NY, 13340
Travelers Anne Marie Northup 105 W MAIN STREET, ILION, NY, 13357
Travelers Daniel R Rickard 4 S WASHINGTON AVE STE 1, OXFORD, NY, 13830
Allstate Hbe Group Inc 410 Folts St, Herkimer, NY, 13350
Travelers Todd C Roberts & Assoc Inc 131 SHERILL RD, SHERRILL, NY, 13461

German Flatts, 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
Ilion village, New York $87 $116 $174
Columbia town, Herkimer County, New York $88 $117 $176
Herkimer town, Herkimer County, New York $87 $116 $174

German Flatts, 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
German Flatts, NY4.9%11.0%
Ilion4.83%10.65%
Columbia4.16%12.29%
Herkimer4.67%10.4%

German Flatts Renters Insurance as a Percentage of Rent

German Flatts Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 66 3.0% $351
$200 to $299 82 4.0% $801
$300 to $499 524 25.0% $1251
$500 to $749 946 46.0% $1926
$750 to $999 240 11.0% $2676
$1,000 to $1,499 158 7.0% $3801

German Flatts, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly German Flatts Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,300$7,700
Net Savings to German Flatts Home Owner from High Deductible Plan $600

German Flatts, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario German Flatts, NY Home Replacement Value MORE than Home Value German Flatts, NY Home Replacement Value LESS than Home Value
Replacement Value $88,500 $61,500
Insurance Premium based on Replacement Value $775 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $7,000 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $75/year

Example German Flatts Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmGEICO Insurance
Monthly Premium 5959105
Year Built 196519461983
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths3 Beds, 2 Baths
Coverage Amount $100000-$125000$75000-$100000$125000-$150000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 155,000 Asphalt Shingles Roof 2,340 3 $500- $1000 Deductible 500 4 Fiber-Cement Siding No
1963 175,000 Metal Roof 2,450 4 $1000-$2500 Deductible 340 3 Vinyl siding No
1982 180,000 Asphalt Shingles Roof 2,510 4 $1000-$2500 Deductible 120 1 Wood siding No
1948 225,000 Metal Roof 3,060 5 $5000 to $10,000 Deductible 1270 12 Fiber-Cement Siding No
1945 165,000 Tile Roof 3,070 4 $500 Deductible 930 6 Stone Siding yes
1983 120,000 Slate Shingles Roof 1,790 2 $500 Deductible 500 4 Brick siding yes
1981 90,000 Asphalt Shingles Roof 1,710 3 $2500-$5000 Deductible 450 9 Stone Siding yes
1941 110,000 Tile Roof 2,070 3 $500- $1000 Deductible 80 1 Wood siding yes
1962 270,000 Metal Roof 4,770 5 $500 Deductible 800 4 Stucco siding yes
1965 210,000 Asphalt Shingles Roof 2,880 4 $2500-$5000 Deductible 550 4 Stone Siding No
1987 90,000 Membrane Roof 1,750 3 $1000-$2500 Deductible 610 10 Stone Siding No
1989 175,000 Wood Shake Roof 2,500 4 $1000-$2500 Deductible 830 6 Fiber-Cement Siding No
1983 80,000 Composition Roof 1,520 3 $500 Deductible 450 10 Fiber-Cement Siding yes
1962 185,000 Slate Shingles Roof 3,390 5 $2500-$5000 Deductible 390 4 Brick siding yes
1967 190,000 Wood Shake Roof 3,430 5 $1000-$2500 Deductible 280 3 Vinyl siding yes
1940 125,000 Tile Roof 1,970 4 $2500-$5000 Deductible 310 4 Wood siding yes
1960 80,000 Slate Shingles Roof 1,470 2 $2500-$5000 Deductible 530 12 Brick siding yes
1989 65,000 Membrane Roof 1,100 2 $500- $1000 Deductible 600 12 Fiber-Cement Siding yes
1982 75,000 Composition Roof 1,390 3 $500- $1000 Deductible 290 6 Vinyl siding yes
1943 270,000 Tile Roof 4,660 5 $2500-$5000 Deductible 1200 7 Vinyl siding yes
1981 165,000 Membrane Roof 2,640 4 $2500-$5000 Deductible 620 7 Vinyl siding No
1940 185,000 Membrane Roof 3,320 4 $5000 to $10,000 Deductible 630 5 Stucco siding No
1949 80,000 Composition Roof 1,290 3 $2500-$5000 Deductible 300 9 Stone Siding yes
1980 200,000 Wood Shake Roof 3,470 5 $1000-$2500 Deductible 1360 9 Vinyl siding No
1964 155,000 Wood Shake Roof 3,010 5 $2500-$5000 Deductible 290 3 Stucco siding yes
1986 100,000 Slate Shingles Roof 1,520 2 $2500-$5000 Deductible 240 4 Wood siding yes
1965 190,000 Composition Roof 2,800 5 $1000-$2500 Deductible 360 4 Wood siding No
1965 110,000 Slate Shingles Roof 1,480 3 $1000-$2500 Deductible 350 4 Stucco siding No
1965 105,000 Composition Roof 1,660 3 $500 Deductible 210 3 Fiber-Cement Siding No
1946 315,000 Metal Roof 4,970 5 $1000-$2500 Deductible 550 3 Brick siding No
1981 65,000 Asphalt Shingles Roof 1,290 2 $1000-$2500 Deductible 80 2 Brick siding No