Saratoga Springs Insurance Rates:

Saratoga Springs, NY homeowners insurance is roughly $529 to $720, about $44-$60/month. Our detailed guide reveals consumers can save upto $250 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I have always had a positive experience with customer service when i have to call.
Progressive
Without calling and asking, it is difficult to determine how and when i can make changes to my coverage or my payment options. the website can be challenging to navigate and often simply directs you to call a representative.
Liberty Mutual
I appreciate that my insurance provider, liberty mutual, has a customer service line through which i can reach them with inquiries.

Saratoga Springs, NY Homeowners Insurance By Home Value

Saratoga Springs, NY Home Value Total Homes % of Total Average Saratoga Springs, NY Homeowners Insurance
Less than $50,000 204 4.0% $50
$80,000 to $89,999 57 1.0% $181
$100,000 to $124,999 76 1.0% $231
$125,000 to $149,999 124 2.0% $293
$150,000 to $174,999 549 10.0% $343
$175,000 to $199,999 486 9.0% $400
$200,000 to $249,999 1,147 22.0% $481
$250,000 to $299,999 760 15.0% $587
$300,000 to $399,999 1,515 30.0% $750

Top Home Insurance Agents Near Saratoga Springs, NY

Home Insurance Company Near Saratoga Springs, NY Homeowners Insurance Agency Near Saratoga Springs, NY Address
Allstate Arthur Steinkritz 357 Bay Rd, Queensbury, NY, 12804
Allstate Grapevill Agency PO Box 460, Greenville, NY, 12083
State Farm Keith Stewart 820 Saratoga Rd, Burnt Hills, NY, 12027
Liberty Mutual Independent W H Shaw Insurance Agency 135 BONNET ST, MANCHESTER CENTER, VT, 5255
NA Rick J. Jarvis Associaties Dba Carey Insurance 1247 Dix Avenue , Hudson Falls, NY, 12839

Cost Of Homeowners Insurance By Street Near Saratoga Springs, NY

Streets in Saratoga Springs Area Homeowners Insurance Cost
Locust Grove Rd, Labelle Ln, Alfred Ct, Denton Rd, Birch St, E Harrison St, Poe Rd, Co Rd 64, Bolster Ln NE, Garside Rd$646
Hutchins St, Roosevelt Ct, Richard Ave, Skidmore Dr, Tamarack Trl, E Ridge, Azalea Dr, Stafford Bridge Rd, Beacon Hill Dr, Alger St$651
Bryan St, Santana Ct, Avery St, Gatewood Dr, Muldowney Rd, Aletta St, Broadway, Lawrence St, Daniel St, Southern Pl$615
East Ave, Arrowhead Rd, Crescent St, Marvin Pl, Gridley St, Karner Dr, Karista Spring Dr, Leaward Way, Vanderbilt Ave, Furlong St$620
Co Rd 65, P D Harris Rd, James St, Stonequist Apartment, Hickock Rd, Ave D, Diamond St, Myrtle St, Thoroughbred Dr, Allen Dr$610

Saratoga Springs, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Saratoga Springs$93 to $96
Saratoga County$91
North Ballston Spa$90
Malta$92

Saratoga Springs, 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
Saratoga County, New York $92 $122 $183
North Ballston Spa CDP, New York $90 $120 $180
Ballston Spa village, New York $91 $121 $182

Saratoga Springs, 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
Saratoga Springs, NY2.9%7.8%
Saratoga County3.01%8.81%
North Ballston Spa3.58%11.31%
Ballston Spa3.18%8.59%

Saratoga Springs Renters Insurance as a Percentage of Rent

Saratoga Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 166 3.0% $332
$200 to $299 241 4.0% $782
$300 to $499 313 6.0% $1232
$500 to $749 633 13.0% $1907
$750 to $999 1,457 30.0% $2657
$1,000 to $1,499 1,232 25.0% $3782
$1,500 or more 792 16.0% $5432

Saratoga Springs, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Saratoga Springs Homeowner Insurance Premium Example $4,400$3,900
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $23,000$21,500
Net Savings to Saratoga Springs Home Owner from High Deductible Plan $1,500

Saratoga Springs, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Saratoga Springs, NY Home Replacement Value MORE than Home Value Saratoga Springs, NY Home Replacement Value LESS than Home Value
Replacement Value $388,500 $270,500
Insurance Premium based on Replacement Value $3,875 $2,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,000 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $700/year Insurance costlier by $475/year

Example Saratoga Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceState FarmNationwide Insurance
Monthly Premium 19797225
Year Built 194920101987
Home Details 5 Beds, 4 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $350000-$400000$150000-$175000$250000-$300000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 275,000 Metal Roof 2,240 3 $2500-$5000 Deductible 1530 10 Vinyl siding No
1942 335,000 Composition Roof 2,140 3 $5000 to $10,000 Deductible 2230 12 Vinyl siding yes
1986 250,000 Metal Roof 1,800 2 $500- $1000 Deductible 950 6 Wood siding yes
1946 390,000 Asphalt Shingles Roof 2,640 4 $500 Deductible 2650 10 Fiber-Cement Siding yes
1988 215,000 Tile Roof 1,300 2 > $10,000 Deductible 920 12 Vinyl siding No
2012 130,000 Shingles Roof 940 2 $2500-$5000 Deductible 70 1 Vinyl siding yes
2014 305,000 Asphalt Shingles Roof 2,210 3 > $10,000 Deductible 650 5 Wood siding yes
1984 205,000 Asphalt Shingles Roof 1,670 2 $500- $1000 Deductible 150 1 Fiber-Cement Siding yes
1986 270,000 Membrane Roof 1,700 3 $1000-$2500 Deductible 190 1 Brick siding yes
1941 275,000 Composition Roof 2,070 5 $1000-$2500 Deductible 1750 12 Wood siding yes
1985 175,000 Slate Shingles Roof 1,250 2 $5000 to $10,000 Deductible 250 4 Stone Siding yes
1948 290,000 Tile Roof 2,160 3 $5000 to $10,000 Deductible 1050 8 Stucco siding No
1949 360,000 Shingles Roof 2,320 4 > $10,000 Deductible 1510 8 Fiber-Cement Siding No