Potsdam Insurance Rates:

Potsdam, NY homeowners insurance is roughly $498 to $675, about $41-$56/month. Our comprehensive analysis shows customers can save upto $234 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Potsdam, NY Homeowners Insurance By Home Value

Potsdam, NY Home Value Total Homes % of Total Average Potsdam, NY Homeowners Insurance
Less than $50,000 357 14.0% $146
$50,000 to $59,999 176 7.0% $311
$60,000 to $69,999 211 8.0% $387
$70,000 to $79,999 236 9.0% $446
$80,000 to $89,999 209 8.0% $504
$90,000 to $99,999 107 4.0% $563
$100,000 to $124,999 300 12.0% $657
$125,000 to $149,999 233 9.0% $821
$150,000 to $174,999 184 7.0% $968
$175,000 to $199,999 147 6.0% $1121
$200,000 to $249,999 155 6.0% $1344
$300,000 to $399,999 75 3.0% $2089

Top Home Insurance Agents Near Potsdam, NY

Home Insurance Company Near Potsdam, NY Homeowners Insurance Agency Near Potsdam, NY Address
NA Wjl Agencies Dba The Clark Insurance Agencies 71 Main St, Canton, NY, 13617
NA Macfadden-Dier Agency Inc. (Gouverneur) 19 E Main Street, Gouverneur, NY, 13642
Allstate Freeway Insurance S 109 E Main St, Gouverneur, NY, 13642
Travelers J T Phillips Insurance Agency Inc 422 STATE STREET, OGDENSBURG, NY, 13669
Allstate Potsdam Agency Inc 70 Market St Ste 4, Potsdam, NY, 13676

Cost Of Homeowners Insurance By Street Near Potsdam, NY

Streets in Potsdam Area Homeowners Insurance Cost
East Dr, Morgan Rd, Missouri Ave, Orchard St, Giffin Rd, Chestnut St, Potter Rd, Hatch Rd, Barker Rd, Railroad Ave$583
River Rd Exd, Leonard St, Cottage St, Munson St, Waite Rd, Tanner Rd, Market St, W Potsdam Rd, Co Rd 48, Judson Street Rd$584
Douglas Rd, Bay St, Hughes Rd, Sealy Dr, Leroy St, Midtown Apartment, Cty Rte 48, Old Potsdam Parishville Rd, Division St, Bay St$595
Old Potsdam Parishville Rd, Baldwin Ave, May Rd, Mackay Rd, Austin Ridge Rd, Pig St, Morton St, Miller Rd, Hillcrest Ave, Sykes Rd$584
Somerset Rd, Reynolds Rd, Co Rd 85, Finnigan Rd, Harrington Ct, Flat Rock Rd, Clough St, Castle Dr, Market St, State Rte 72$583

Potsdam, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Potsdam$87 to $90
Norwood$87
Hannawa Falls$88
Winthrop$86

Potsdam, 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
Norwood village, New York $87 $116 $174
Hannawa Falls CDP, New York $88 $117 $176
Madrid town, St. Lawrence County, New York $87 $116 $174

Potsdam, 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
Potsdam, NY4.0%8.8%
Norwood4.33%9.6%
Hannawa Falls4.6%8.52%
Madrid4.32%10.31%

Potsdam Renters Insurance as a Percentage of Rent

Potsdam Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 112 5.0% $800
$300 to $499 272 14.0% $1250
$500 to $749 767 40.0% $1925
$750 to $999 423 22.0% $2675
$1,000 to $1,499 259 13.0% $3800
$1,500 or more 69 3.0% $5450

Potsdam, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Potsdam Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,700$7,100
Net Savings to Potsdam Home Owner from High Deductible Plan $600

Potsdam, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Potsdam, NY Home Replacement Value MORE than Home Value Potsdam, NY Home Replacement Value LESS than Home Value
Replacement Value $106,500 $79,000
Insurance Premium based on Replacement Value $1,050 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $17,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $100/year

Example Potsdam Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyErie Insurance
Monthly Premium 469170
Year Built 196519781994
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $50000-$75000$100000-$125000$150000-$175000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 105,000 Slate Shingles Roof 1,650 2 $1000-$2500 Deductible 620 8 Stucco siding yes
1975 80,000 Asphalt Shingles Roof 1,170 2 $1000-$2500 Deductible 640 12 Brick siding No
1945 85,000 Composition Roof 1,170 2 $500 Deductible 630 9 Stone Siding No
1947 125,000 Wood Shake Roof 1,650 5 $2500-$5000 Deductible 650 8 Stone Siding yes
1973 100,000 Membrane Roof 1,490 2 $2500-$5000 Deductible 460 6 Brick siding yes
1986 75,000 Wood Shake Roof 1,150 2 $500 Deductible 650 12 Wood siding yes
1981 170,000 Metal Roof 2,850 4 $5000 to $10,000 Deductible 580 5 Brick siding No
1998 115,000 Membrane Roof 2,090 4 $500- $1000 Deductible 870 10 Wood siding No
1970 110,000 Tile Roof 1,570 2 $1000-$2500 Deductible 450 6 Stucco siding No
1997 185,000 Asphalt Shingles Roof 2,660 4 $1000-$2500 Deductible 660 5 Vinyl siding yes
1972 85,000 Composition Roof 1,030 2 $500- $1000 Deductible 300 4 Wood siding yes
1976 125,000 Membrane Roof 1,680 4 $1000-$2500 Deductible 390 4 Brick siding No
1984 105,000 Metal Roof 1,880 4 $2500-$5000 Deductible 330 5 Stone Siding yes