Rensselaer Insurance Rates:

Rensselaer, NY homeowners insurance is approximately $506 to $688, about $42-$57/month. Our all inclusive analysis indicates shoppers can save upto $238 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Rensselaer, NY Homeowners Insurance By Home Value

Rensselaer, NY Home Value Total Homes % of Total Average Rensselaer, NY Homeowners Insurance
Less than $50,000 93 4.0% $95
$50,000 to $59,999 51 2.0% $202
$60,000 to $69,999 90 4.0% $256
$70,000 to $79,999 29 1.0% $292
$80,000 to $89,999 211 10.0% $334
$90,000 to $99,999 83 4.0% $376
$100,000 to $124,999 176 8.0% $435
$125,000 to $149,999 311 15.0% $543
$150,000 to $174,999 514 24.0% $638
$175,000 to $199,999 216 10.0% $740
$200,000 to $249,999 193 9.0% $889
$250,000 to $299,999 68 3.0% $1086
$300,000 to $399,999 35 1.0% $1385

Top Home Insurance Agents Near Rensselaer, NY

Home Insurance Company Near Rensselaer, NY Homeowners Insurance Agency Near Rensselaer, NY Address
NA Charles Phykitt Ins. Agency, Inc. 85 Main Street North Adams, North Adams, MA, 1247
Liberty Mutual Independent Curtis Ins Agcy Inc 49 MAIN ST, CANAAN, CT, 6018
Travelers Donna M Lavigne Agency 11 Main St, Cobleskill, NY, 12043
Allstate John Deutsch 621 Columbia St, Cohoes, NY, 12047
Travelers Wheeler & Taylor Inc 333 MAIN ST, GREAT BARRINGTON, MA, 1230

Rensselaer, 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
Hampton Manor CDP, New York $89 $119 $179
Menands village, New York $92 $122 $183
East Greenbush town, Rensselaer County, New York $91 $121 $182

Rensselaer, 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
Rensselaer, NY3.7%8.9%
Hampton Manor3.38%10.64%
Menands2.61%5.51%
East Greenbush2.91%7.87%

Rensselaer Renters Insurance as a Percentage of Rent

Rensselaer Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 34 1.0% $345
$200 to $299 95 4.0% $795
$300 to $499 253 12.0% $1245
$500 to $749 425 20.0% $1920
$750 to $999 586 28.0% $2670
$1,000 to $1,499 459 22.0% $3795
$1,500 or more 195 9.0% $5445

Rensselaer, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Rensselaer Homeowner Insurance Premium Example $2,400$1,800
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $20,400$18,600
Net Savings to Rensselaer Home Owner from High Deductible Plan $1,800

Rensselaer, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rensselaer, NY Home Replacement Value MORE than Home Value Rensselaer, NY Home Replacement Value LESS than Home Value
Replacement Value $170,000 $128,500
Insurance Premium based on Replacement Value $1,750 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,500 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $150/year

Example Rensselaer Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmFarmers Insurance
Monthly Premium 16017698
Year Built 201119421946
Home Details 4 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$175000-$200000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 210,000 Asphalt Shingles Roof 2,040 4 $2500-$5000 Deductible 360 3 Stone Siding No
1947 125,000 Wood Shake Roof 1,430 3 $2500-$5000 Deductible 290 5 Fiber-Cement Siding yes
2013 225,000 Wood Shake Roof 2,980 4 $500 Deductible 2220 10 Stucco siding yes
2012 135,000 Composition Roof 1,330 3 $1000-$2500 Deductible 810 7 Stucco siding yes
2012 150,000 Tile Roof 1,720 4 $500- $1000 Deductible 790 7 Vinyl siding yes
1941 185,000 Wood Shake Roof 1,730 2 $1000-$2500 Deductible 1620 12 Stucco siding yes
2011 185,000 Composition Roof 2,350 3 $500 Deductible 790 6 Brick siding No
2012 170,000 Tile Roof 1,910 5 $500 Deductible 290 2 Wood siding No
2014 395,000 Composition Roof 3,890 5 $2500-$5000 Deductible 3100 10 Vinyl siding No
1946 240,000 Wood Shake Roof 2,880 4 $5000 to $10,000 Deductible 770 7 Stucco siding yes
1942 160,000 Membrane Roof 1,460 2 $5000 to $10,000 Deductible 750 9 Vinyl siding yes
1945 85,000 Tile Roof 960 2 $2500-$5000 Deductible 70 2 Stone Siding yes
2010 275,000 Slate Shingles Roof 2,800 5 $5000 to $10,000 Deductible 2450 12 Wood siding No
2012 330,000 Slate Shingles Roof 3,220 4 $5000 to $10,000 Deductible 400 2 Vinyl siding yes
2011 170,000 Asphalt Shingles Roof 1,800 4 $5000 to $10,000 Deductible 720 7 Wood siding yes
1946 260,000 Slate Shingles Roof 3,590 5 $500- $1000 Deductible 190 1 Stone Siding yes
2010 165,000 Slate Shingles Roof 2,050 5 $500- $1000 Deductible 860 6 Wood siding yes
2012 120,000 Tile Roof 1,660 2 $2500-$5000 Deductible 380 5 Stucco siding yes
2010 480,000 Wood Shake Roof 4,510 5 $2500-$5000 Deductible 2200 7 Fiber-Cement Siding yes
2011 170,000 Wood Shake Roof 1,580 3 $500 Deductible 1070 7 Vinyl siding yes
1946 155,000 Shingles Roof 1,660 2 $1000-$2500 Deductible 640 6 Stone Siding No
2010 140,000 Slate Shingles Roof 1,270 3 $500- $1000 Deductible 780 10 Vinyl siding yes
1946 160,000 Composition Roof 1,770 3 $5000 to $10,000 Deductible 270 3 Fiber-Cement Siding No
1944 70,000 Shingles Roof 910 2 $500 Deductible 170 4 Fiber-Cement Siding No
2013 90,000 Asphalt Shingles Roof 1,010 2 $500 Deductible 840 12 Stucco siding No
1949 225,000 Slate Shingles Roof 2,400 3 $2500-$5000 Deductible 390 3 Fiber-Cement Siding No
2013 230,000 Tile Roof 2,250 3 $5000 to $10,000 Deductible 470 4 Fiber-Cement Siding No
1941 345,000 Asphalt Shingles Roof 3,340 4 $500 Deductible 710 3 Vinyl siding yes
1944 140,000 Composition Roof 1,250 3 $2500-$5000 Deductible 330 5 Fiber-Cement Siding No
2014 115,000 Tile Roof 1,110 2 $1000-$2500 Deductible 180 2 Stone Siding No
2011 105,000 Membrane Roof 1,430 3 $2500-$5000 Deductible 660 8 Wood siding yes
2011 120,000 Tile Roof 1,550 2 $500- $1000 Deductible 180 2 Stone Siding yes
1941 260,000 Asphalt Shingles Roof 3,300 4 $2500-$5000 Deductible 1170 9 Wood siding yes
2014 145,000 Asphalt Shingles Roof 1,480 3 $500 Deductible 760 6 Vinyl siding yes