Niskayuna Insurance Rates:

Niskayuna, NY homeowners insurance is approximately $524 to $712, about $43-$59/month. Our in depth research reveals consumers can save as much as $247 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I like that my home insurance company is available most hours that work for me. i am treated in a fair and prompt manner.
State Farm
They sometimes have a habit of refusing claims for questionable reasons and raising your premiums after filing a single claim.
Usaa
Like most insurance, they all seem expensive for something you are hopefully not going to use much or at all.
Usaa
The customer service is outstanding. They are available via phone, chat or online via email. It is very easy to get in touch with someone and they always follow up no matter how you contact them.
Arrow Financial Corporation
They do not have a mobile app and do not have a largely known national presence. This sometimes feels like a hindrance when I have to explain who my insurance company is and provide information on them, instead of a nationally recognized brand.
Ameriprise
There isn't really a lot that I have negative to say about the company, really. They do fast work, though they might not be the cheapest, I honestly don't care since they cover things so fast.
Usaa
I dislike that there are no brick and mortar stores anywhere that I can walk into and speak face to face with a customer service representative. This gets annoying when I have to wait on hold on the phone.
Geico
When compared with other home insurance companies it was somewhat high in amount.

Niskayuna, NY Homeowners Insurance By Home Value

Niskayuna, NY Home Value Total Homes % of Total Average Niskayuna, NY Homeowners Insurance
Less than $50,000 77 1.0% $55
$80,000 to $89,999 64 1.0% $203
$100,000 to $124,999 208 3.0% $259
$125,000 to $149,999 208 3.0% $327
$150,000 to $174,999 618 10.0% $389
$175,000 to $199,999 547 9.0% $451
$200,000 to $249,999 1,441 24.0% $543
$250,000 to $299,999 1,176 20.0% $661
$300,000 to $399,999 1,440 24.0% $840

Top Home Insurance Agents Near Niskayuna, NY

Home Insurance Company Near Niskayuna, NY Homeowners Insurance Agency Near Niskayuna, NY Address
Travelers Bashwinger Insurance Agency 42 CORNELL ST, AMSTERDAM, NY, 12010
Allstate Cote Agency Inc PO Box 158, Greenfield Center, NY, 12833
Allstate Coyne Insurance Agency 1994 Central Ave, Albany, NY, 12205
Travelers Fire Mark Insurance Agency Inc 826 E Main St, Cobleskill, NY, 12043
Travelers The Winfield Group Inc 3 CORPORATE DR STE 200, CLIFTON PARK, NY, 12065

Cost Of Homeowners Insurance By Street Near Niskayuna, NY

Streets in Niskayuna Area Homeowners Insurance Cost
Poersch Ct, Woodlawn Ave, Crescent Rd, The Plaza, Cunningham Ct, Buchanan Ave, Catherine Woods, Morrow Ave, Cambridge Dr, Lori Dr$608
Robins Nest, S Country Club Dr, Morgan Ave, S Amherst Ave, Middle St, Barringer St, Heritage Rd, Loudon Pl, Lexington Pkwy, Hempstead Rd$621
Ferris Rd, Brookshire Dr, Holly Hill Ln, Hexam Rd, Mitchel Ave, Keyes Ave, Northumberland Dr, Shelburne Ct, Shannon Blvd, Fieldstone Dr$620
Newport Ave, Vrooman Ave, Inman Rd, Whamer Ln, Kensington Ct, Hereford Way, Sycamore Ct, Consaul Rd, Pawtucket Ave, Randall Rd$623
Linda Ln, Seneca Rd, E Country Club Dr, Worcester Dr, Breanna Dr, Port Huron Dr, Kenwood Ave, Climax Ave, Dynamo Dr, Benjamin Ln$635

Niskayuna, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Niskayuna$92 to $95
Schenectady$88
Clifton Park$93
East Glenville$91

Niskayuna, 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
Schenectady city, New York $74 $98 $147
Clifton Park town, Saratoga County, New York $78 $103 $155
East Glenville CDP, New York $76 $101 $151

Niskayuna, 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
Niskayuna, NY2.6%6.3%
Schenectady3.64%8.66%
Clifton Park2.64%7.93%
East Glenville2.73%8.17%

Niskayuna Renters Insurance as a Percentage of Rent

Niskayuna Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 26 1.0% $1235
$500 to $749 327 24.0% $1910
$750 to $999 469 34.0% $2660
$1,000 to $1,499 396 29.0% $3785
$1,500 or more 137 10.0% $5435

Niskayuna, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Niskayuna Homeowner Insurance Premium Example $2,900$2,400
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $23,700$22,700
Net Savings to Niskayuna Home Owner from High Deductible Plan $1,000

Niskayuna, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Niskayuna, NY Home Replacement Value MORE than Home Value Niskayuna, NY Home Replacement Value LESS than Home Value
Replacement Value $361,000 $250,500
Insurance Premium based on Replacement Value $3,850 $2,675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $74,500 Risk Exposure from Under Insuring Coverage is $36,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $800/year

Example Niskayuna Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceAllstate
Monthly Premium 114218401
Year Built 198220061951
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$300000-$350000$400000-$500000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1964 545,000 Wood Shake Roof 3,730 5 $1000-$2500 Deductible 1280 4 Brick siding No
1960 330,000 Membrane Roof 2,210 4 $5000 to $10,000 Deductible 1950 9 Wood siding No
1998 535,000 Wood Shake Roof 3,630 5 > $10,000 Deductible 1830 10 Stucco siding yes
1992 285,000 Shingles Roof 2,180 5 $5000 to $10,000 Deductible 170 1 Fiber-Cement Siding No
1986 185,000 Shingles Roof 1,230 3 $2500-$5000 Deductible 690 7 Vinyl siding yes
1952 330,000 Asphalt Shingles Roof 2,870 4 $2500-$5000 Deductible 280 1 Stucco siding No
1980 390,000 Asphalt Shingles Roof 3,190 5 $500 Deductible 2730 7 Brick siding No
1951 370,000 Tile Roof 3,310 4 $500 Deductible 1100 5 Stucco siding No
2000 240,000 Slate Shingles Roof 2,040 4 > $10,000 Deductible 840 9 Fiber-Cement Siding yes
1941 440,000 Asphalt Shingles Roof 3,290 4 $500 Deductible 3240 8 Stucco siding yes
2004 400,000 Wood Shake Roof 2,940 5 > $10,000 Deductible 1140 8 Fiber-Cement Siding yes
2005 275,000 Tile Roof 2,020 3 > $10,000 Deductible 230 2 Vinyl siding No
1984 375,000 Composition Roof 2,380 3 $2500-$5000 Deductible 1500 7 Fiber-Cement Siding yes
1957 370,000 Wood Shake Roof 2,640 5 $5000 to $10,000 Deductible 2270 10 Fiber-Cement Siding yes
1964 315,000 Membrane Roof 2,690 4 $5000 to $10,000 Deductible 170 1 Fiber-Cement Siding yes
1946 425,000 Composition Roof 2,970 5 $2500-$5000 Deductible 2550 10 Wood siding No
1992 240,000 Asphalt Shingles Roof 2,190 3 $2500-$5000 Deductible 640 5 Vinyl siding No
2003 725,000 Slate Shingles Roof 4,810 5 $2500-$5000 Deductible 5890 10 Wood siding No
2006 270,000 Shingles Roof 2,210 3 $5000 to $10,000 Deductible 1000 9 Stone Siding yes
1996 405,000 Tile Roof 3,270 5 $500 Deductible 1300 4 Vinyl siding No
1987 315,000 Composition Roof 2,380 3 $1000-$2500 Deductible 1190 5 Stone Siding yes
1943 365,000 Membrane Roof 2,270 4 $500- $1000 Deductible 1740 5 Vinyl siding yes
1964 385,000 Asphalt Shingles Roof 2,390 3 $5000 to $10,000 Deductible 1540 9 Wood siding yes
2000 335,000 Slate Shingles Roof 2,180 4 $5000 to $10,000 Deductible 1030 6 Fiber-Cement Siding yes
1946 220,000 Membrane Roof 1,740 4 $5000 to $10,000 Deductible 1050 9 Wood siding yes
1997 295,000 Shingles Roof 2,310 4 $5000 to $10,000 Deductible 560 4 Vinyl siding No
1959 185,000 Shingles Roof 1,710 5 $5000 to $10,000 Deductible 800 9 Brick siding yes
1962 250,000 Asphalt Shingles Roof 1,750 3 $5000 to $10,000 Deductible 140 1 Stone Siding No
1947 225,000 Wood Shake Roof 1,540 3 $5000 to $10,000 Deductible 430 3 Vinyl siding yes
1948 390,000 Metal Roof 2,510 4 $500- $1000 Deductible 1480 7 Wood siding yes