Malone Insurance Rates:

Malone, NY homeowners insurance is roughly $497 to $674, about $41-$56/month. Our exhaustive research reveals consumers can save upto $234 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Malone, NY Homeowners Insurance By Home Value

Malone, NY Home Value Total Homes % of Total Average Malone, NY Homeowners Insurance
Less than $50,000 393 16.0% $157
$50,000 to $59,999 137 5.0% $327
$60,000 to $69,999 233 9.0% $409
$70,000 to $79,999 309 12.0% $473
$80,000 to $89,999 187 7.0% $532
$90,000 to $99,999 237 9.0% $596
$100,000 to $124,999 283 11.0% $690
$125,000 to $149,999 93 3.0% $865
$150,000 to $174,999 227 9.0% $1023
$175,000 to $199,999 94 3.0% $1181
$200,000 to $249,999 91 3.0% $1421
$250,000 to $299,999 45 1.0% $1737
$300,000 to $399,999 106 4.0% $2211

Top Home Insurance Agents Near Malone, NY

Home Insurance Company Near Malone, NY Homeowners Insurance Agency Near Malone, NY Address
Travelers Agency Insurance Brokers Inc 41 BROAD ST, PLATTSBURGH, NY, 12901
Farmers Donald Recore 438 State Route 3 Ste 500, Plattsburgh, NY, 12901
Travelers King-Clark Company Inc 2420 CHATEAUGAY ST, FT COVINGTON, NY, 12937
Allstate Leading Edge Grp Inc 2734 Rte 3 PO Box 69, Saranac, NY, 12981
Erie Richards Insurance Agency 354 E Orvis St , Massena, NY, 13662

Malone, 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
Brandon town, Franklin County, New York $73 $97 $145
Bangor town, Franklin County, New York $73 $97 $145
Bellmont town, Franklin County, New York $73 $97 $146

Malone, 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
Malone, NY4.2%10.4%
Brandon4.88%13.43%
Bangor5.08%11.17%
Bellmont4.41%10.93%

Malone Renters Insurance as a Percentage of Rent

Malone Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 27 1.0% $350
$200 to $299 72 5.0% $800
$300 to $499 143 10.0% $1250
$500 to $749 566 41.0% $1925
$750 to $999 354 25.0% $2675
$1,000 to $1,499 162 11.0% $3800
$1,500 or more 42 3.0% $5450

Malone, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Malone Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,700$8,100
Net Savings to Malone Home Owner from High Deductible Plan $600

Malone, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Malone, NY Home Replacement Value MORE than Home Value Malone, NY Home Replacement Value LESS than Home Value
Replacement Value $173,000 $103,500
Insurance Premium based on Replacement Value $1,600 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $31,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $375/year

Example Malone Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceLiberty MutualNationwide Insurance
Monthly Premium 2095982
Year Built 199819401982
Home Details 5 Beds, 2 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $300000-$350000$75000-$100000$125000-$150000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 245,000 Membrane Roof 3,420 5 $2500-$5000 Deductible 970 9 Wood siding yes
1994 105,000 Wood Shake Roof 1,790 2 $500- $1000 Deductible 640 7 Stone Siding No
1988 175,000 Shingles Roof 2,780 5 $2500-$5000 Deductible 390 4 Wood siding yes
1980 350,000 Composition Roof 4,640 5 $1000-$2500 Deductible 260 1 Brick siding No
1984 80,000 Wood Shake Roof 1,240 2 $500- $1000 Deductible 510 7 Brick siding No
1942 130,000 Asphalt Shingles Roof 1,840 4 $500 Deductible 260 2 Wood siding yes
1941 135,000 Shingles Roof 2,370 4 $500 Deductible 870 7 Fiber-Cement Siding yes
1983 95,000 Metal Roof 1,590 3 $1000-$2500 Deductible 590 12 Stucco siding No
1996 70,000 Metal Roof 970 2 $1000-$2500 Deductible 540 12 Fiber-Cement Siding No
1998 135,000 Tile Roof 1,740 3 $500- $1000 Deductible 980 8 Stone Siding yes
1999 145,000 Tile Roof 1,890 5 $2500-$5000 Deductible 170 2 Fiber-Cement Siding No
1942 130,000 Wood Shake Roof 1,930 3 $1000-$2500 Deductible 460 4 Brick siding yes
1998 150,000 Wood Shake Roof 2,060 4 $1000-$2500 Deductible 1360 10 Stone Siding No