Northumberland Insurance Rates:

Northumberland, NY homeowners insurance is roughly $514 to $699, about $42-$58/month. Our comprehensive guide indicates shoppers can save as much as $242 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Northumberland, NY Homeowners Insurance By Home Value

Northumberland, NY Home Value Total Homes % of Total Average Northumberland, NY Homeowners Insurance
Less than $50,000 116 7.0% $72
$50,000 to $59,999 21 1.0% $157
$60,000 to $69,999 16 1.0% $199
$70,000 to $79,999 36 2.0% $230
$80,000 to $89,999 19 1.0% $260
$90,000 to $99,999 17 1.0% $290
$100,000 to $124,999 91 6.0% $339
$125,000 to $149,999 56 3.0% $424
$150,000 to $174,999 226 15.0% $496
$175,000 to $199,999 209 14.0% $575
$200,000 to $249,999 443 29.0% $690
$250,000 to $299,999 135 9.0% $848
$300,000 to $399,999 94 6.0% $1078

Top Home Insurance Agents Near Northumberland, NY

Home Insurance Company Near Northumberland, NY Homeowners Insurance Agency Near Northumberland, NY Address
NA Brady Agency 50 Delaware Avenue , Delmar, NY, 12054
Allstate Kinowski Agency Inc 108 N Perry St, Johnstown, NY, 12095
Liberty Mutual Paul S. Schwartz 14 Corporate Drive, Clifton Park, NY, 12065
Travelers The Winfield Group Inc 3 CORPORATE DR STE 200, CLIFTON PARK, NY, 12065
Erie Troy Agency Inc. 8 Winter Street, Troy, NY, 12180

Cost Of Homeowners Insurance By Street Near Northumberland, NY

Streets in Northumberland Area Homeowners Insurance Cost
Schuyler Way N, Castlewood Dr, Robbins Rd, Taylor Rd, Terrel Way, Catherine St, Cramer Path, Cherry Ln, Thomas Rd, Blue Heron Ter$605
Little Oaks Ter, Gurn Springs Rd, Rugg Rd, Purinton Rd, Kobor Rd, Saunders St, Robins Run, Winney Rd, Blackbird Ln, Stafford Way$604
Stark Trl, Beaver Street Rd, Coconut Dr N, Duncan Rd, Dickinson Ln, Peck Ln, Pettis Rd, Rimbrave Ter, Stevens Ct, Schuyler Heights Dr$608
Leonard St, Duncan Ln, Sherman Ln, Poplar Way, Cardinal Ln, Goff Rd, Stonebridge Rd, St Croix Pl, Wall Street Rd, Grange Hall Rd$605
Colebrook Rd, Plantation Rd, Railroad Ave, Strong Rd, Cook Cir, Co Rd 31, Forest Dr, Gailor Ln, Tathum Trce, Mott Rd$605

Northumberland, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Northumberland$90 to $93
Schuylerville$89
Wilton$92
Fort Edward$88

Northumberland, 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
Schuylerville village, New York $75 $99 $149
Wilton town, Saratoga County, New York $77 $102 $153
Fort Edward town, Washington County, New York $74 $98 $147

Northumberland, 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
Northumberland, NY3%10.4%
Schuylerville3.33%8.92%
Wilton3.04%9.1%
Fort Edward4.5%10.36%

Northumberland Renters Insurance as a Percentage of Rent

Northumberland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 9 3.0% $791
$300 to $499 39 13.0% $1241
$500 to $749 58 20.0% $1916
$750 to $999 102 36.0% $2666
$1,000 to $1,499 71 25.0% $3791

Northumberland, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Northumberland Homeowner Insurance Premium Example $4,800$4,300
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $34,700$33,200
Net Savings to Northumberland Home Owner from High Deductible Plan $1,500

Northumberland, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Northumberland, NY Home Replacement Value MORE than Home Value Northumberland, NY Home Replacement Value LESS than Home Value
Replacement Value $232,000 $155,000
Insurance Premium based on Replacement Value $2,250 $1,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $41,500 Risk Exposure from Under Insuring Coverage is $35,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $400/year

Example Northumberland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualNationwide Insurance
Monthly Premium 289147378
Year Built 198420061945
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $300000-$350000$250000-$300000$400000-$500000
Deductible $500 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 365,000 Metal Roof 2,880 4 $5000 to $10,000 Deductible 1820 9 Fiber-Cement Siding yes
2010 230,000 Tile Roof 2,090 5 $5000 to $10,000 Deductible 440 4 Stucco siding yes
2008 250,000 Shingles Roof 2,470 4 $500- $1000 Deductible 1490 6 Fiber-Cement Siding No
2004 325,000 Membrane Roof 3,230 4 $2500-$5000 Deductible 1370 6 Stone Siding No
1948 190,000 Wood Shake Roof 1,890 3 $500- $1000 Deductible 700 5 Wood siding No
1944 245,000 Membrane Roof 1,850 4 $500 Deductible 1600 8 Stone Siding yes
2011 240,000 Shingles Roof 2,340 4 $500 Deductible 1990 8 Wood siding No
2013 300,000 Shingles Roof 2,680 4 $1000-$2500 Deductible 150 1 Stucco siding No
1987 250,000 Asphalt Shingles Roof 2,780 4 $2500-$5000 Deductible 380 3 Stone Siding No
2014 280,000 Asphalt Shingles Roof 2,150 5 > $10,000 Deductible 1010 10 Stone Siding No
2011 230,000 Tile Roof 2,000 3 $2500-$5000 Deductible 1220 8 Vinyl siding yes
2004 305,000 Metal Roof 2,310 5 $2500-$5000 Deductible 560 3 Stucco siding yes
1995 230,000 Metal Roof 2,540 4 $500- $1000 Deductible 1870 12 Stone Siding No
2012 295,000 Slate Shingles Roof 2,320 4 $1000-$2500 Deductible 1480 6 Stone Siding No
1993 385,000 Slate Shingles Roof 3,410 5 $500 Deductible 2180 6 Wood siding yes
1981 235,000 Shingles Roof 2,460 5 $500- $1000 Deductible 830 6 Wood siding yes
2011 365,000 Membrane Roof 3,270 5 $1000-$2500 Deductible 1200 4 Wood siding yes
1990 325,000 Membrane Roof 2,610 4 > $10,000 Deductible 1380 8 Stone Siding No
2008 270,000 Tile Roof 2,170 3 $2500-$5000 Deductible 140 1 Stucco siding No
2007 495,000 Slate Shingles Roof 3,710 5 $1000-$2500 Deductible 2280 7 Stone Siding No
2002 255,000 Shingles Roof 2,110 3 > $10,000 Deductible 190 2 Brick siding yes
1992 335,000 Membrane Roof 3,240 5 $1000-$2500 Deductible 300 2 Stone Siding No
1941 275,000 Composition Roof 2,190 3 $2500-$5000 Deductible 1610 12 Brick siding No
1949 445,000 Metal Roof 4,140 5 $5000 to $10,000 Deductible 2730 8 Wood siding No
1991 130,000 Asphalt Shingles Roof 1,420 3 $2500-$5000 Deductible 180 3 Brick siding No
2000 270,000 Tile Roof 2,390 3 $500- $1000 Deductible 810 3 Stucco siding yes
2000 395,000 Slate Shingles Roof 3,780 5 > $10,000 Deductible 1980 12 Brick siding No
2009 250,000 Tile Roof 2,380 4 $500- $1000 Deductible 2770 12 Stone Siding No
2012 310,000 Asphalt Shingles Roof 3,390 4 $500 Deductible 2070 9 Stucco siding No
2010 225,000 Metal Roof 1,740 3 $2500-$5000 Deductible 580 5 Stucco siding yes
1994 465,000 Wood Shake Roof 4,910 5 $1000-$2500 Deductible 850 2 Fiber-Cement Siding yes
2010 285,000 Asphalt Shingles Roof 2,760 4 $1000-$2500 Deductible 2160 9 Stucco siding yes
1984 190,000 Wood Shake Roof 2,080 3 $5000 to $10,000 Deductible 230 2 Fiber-Cement Siding No
1946 310,000 Tile Roof 2,580 4 $500 Deductible 2310 9 Wood siding No