Schodack Insurance Rates:

Schodack, NY homeowners insurance is roughly $518 to $704, about $43-$58/month. Our comprehensive guide shows customers can save as much as $244 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Schodack, NY Homeowners Insurance By Home Value

Schodack, NY Home Value Total Homes % of Total Average Schodack, NY Homeowners Insurance
Less than $50,000 246 6.0% $67
$50,000 to $59,999 71 1.0% $140
$70,000 to $79,999 48 1.0% $201
$80,000 to $89,999 44 1.0% $232
$90,000 to $99,999 52 1.0% $256
$100,000 to $124,999 162 3.0% $299
$125,000 to $149,999 191 4.0% $372
$150,000 to $174,999 511 12.0% $446
$175,000 to $199,999 446 10.0% $513
$200,000 to $249,999 911 22.0% $617
$250,000 to $299,999 718 17.0% $757
$300,000 to $399,999 643 15.0% $959

Top Home Insurance Agents Near Schodack, NY

Home Insurance Company Near Schodack, NY Homeowners Insurance Agency Near Schodack, NY Address
NA First Niagara Risk Management, Inc 615 Columbia Tpke , East Greenbush, NY, 12061
Travelers 2001 Central Insurance Agency 2129 CENTRAL AVENUE, SCHENECTADY, NY, 12304
Allstate Anthony Skrabalak 892 Troy Schenectady Rd, Latham, NY, 12110
Liberty Mutual Kaylee Boyne 279 Dalton Ave, Pittsfield, MA, 1201
Travelers Marshall & Sterling Inc 113 SARATOGA RD, GLENVILLE, NY, 12302

Cost Of Homeowners Insurance By Street Near Schodack, NY

Streets in Schodack Area Homeowners Insurance Cost
E Hill Rd, Brandt Rock Rd, Shelterwood Rd, Cynthia Ln, N Hillcrest Rd, Old Forge Rd, Co Rd 8, Trolley Way, McClellan Rd, Lynch Ave$607
Lake Side Dr, Rolling Ridge Dr, Leah Ln, Hoags Corners Rd, Howard St, Maple Hill Rd, Prins Hill Way, Evergreen Ridge, Hillcrest Rd N, State Rte 9j$613
Rensselaer Ave, Red Robin Ter, Charlie St, Drost Ln, Amelia Ct, Old Coach Dr, Mae Ct, Maple Dr, Scott Ave, Barbin Way$612
Crossway Rd, Saddle Club Hill Dr, Co Rd 6, Carriage Dr, Clove Rd, Robert St, No Schodack Rd, Kevin Ln, Shufelt Rd, Hunt Club Dr$613
Mear St, Garrison Dr, Long Branch Rd, Hackett Ave, Sunset Rd, Cold Spring Ave, Castleridge Rd, Hy Dr, Wainscott Ln, Scott Ave$609

Schodack, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Schodack$91 to $93
Castleton-on-Hudson$89
East Greenbush$91
Nassau$90

Schodack, 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
Castleton-on-Hudson village, New York $89 $119 $179
East Greenbush town, Rensselaer County, New York $91 $121 $182
Niverville CDP, New York $92 $122 $183

Schodack, 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
Schodack, NY2.7%7.1%
Castleton-on-Hudson3.3%8.77%
East Greenbush2.91%7.87%
Niverville3.55%7.7%

Schodack Renters Insurance as a Percentage of Rent

Schodack Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 26 3.0% $788
$500 to $749 196 25.0% $1913
$750 to $999 303 39.0% $2663
$1,000 to $1,499 150 19.0% $3788
$1,500 or more 72 9.0% $5438

Schodack, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Schodack Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,300$5,800
Net Savings to Schodack Home Owner from High Deductible Plan $500

Schodack, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Schodack, NY Home Replacement Value MORE than Home Value Schodack, NY Home Replacement Value LESS than Home Value
Replacement Value $299,500 $188,500
Insurance Premium based on Replacement Value $2,475 $1,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $53,000 Risk Exposure from Under Insuring Coverage is $58,000
Premium Impact Insurance cheaper by $475/year Insurance costlier by $425/year

Example Schodack Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmLiberty Mutual
Monthly Premium 131363204
Year Built 201019731945
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$400000-$500000$350000-$400000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 180,000 Composition Roof 1,610 5 $500- $1000 Deductible 180 1 Vinyl siding No
2012 395,000 Wood Shake Roof 3,220 5 $1000-$2500 Deductible 3360 12 Stone Siding No
1965 375,000 Wood Shake Roof 3,420 5 > $10,000 Deductible 1150 7 Fiber-Cement Siding No
1976 190,000 Slate Shingles Roof 1,670 3 $2500-$5000 Deductible 500 4 Vinyl siding No
1981 330,000 Slate Shingles Roof 3,310 4 $2500-$5000 Deductible 1920 9 Stone Siding No
1942 260,000 Wood Shake Roof 2,390 4 $500 Deductible 1590 6 Fiber-Cement Siding No
1966 170,000 Slate Shingles Roof 1,560 3 $5000 to $10,000 Deductible 670 10 Wood siding yes
1984 205,000 Wood Shake Roof 2,070 3 > $10,000 Deductible 610 10 Wood siding No
1997 320,000 Slate Shingles Roof 2,720 4 $2500-$5000 Deductible 490 3 Vinyl siding yes
2010 215,000 Metal Roof 2,080 3 $2500-$5000 Deductible 590 4 Vinyl siding No
1949 205,000 Metal Roof 1,770 3 > $10,000 Deductible 290 3 Vinyl siding No
1970 410,000 Wood Shake Roof 3,040 4 $5000 to $10,000 Deductible 1970 7 Stucco siding yes
1996 290,000 Slate Shingles Roof 2,290 3 > $10,000 Deductible 330 2 Wood siding No
1976 365,000 Wood Shake Roof 3,060 4 $500 Deductible 2020 6 Stone Siding No
1978 150,000 Tile Roof 1,380 3 $2500-$5000 Deductible 640 6 Fiber-Cement Siding No
1986 300,000 Membrane Roof 2,040 3 $1000-$2500 Deductible 1230 7 Stone Siding yes
2012 150,000 Tile Roof 1,360 3 $2500-$5000 Deductible 1220 12 Stucco siding yes
1941 380,000 Metal Roof 3,080 5 $1000-$2500 Deductible 780 2 Stucco siding yes
1970 270,000 Asphalt Shingles Roof 2,260 3 $2500-$5000 Deductible 1630 8 Stone Siding yes
2001 320,000 Asphalt Shingles Roof 2,880 4 $5000 to $10,000 Deductible 700 4 Fiber-Cement Siding No
1970 240,000 Tile Roof 2,190 4 $5000 to $10,000 Deductible 760 6 Stucco siding No
2000 385,000 Tile Roof 3,200 4 $500 Deductible 2340 8 Vinyl siding No
1983 155,000 Shingles Roof 1,290 3 $500 Deductible 1160 12 Vinyl siding No
1943 160,000 Asphalt Shingles Roof 1,440 3 $5000 to $10,000 Deductible 770 12 Fiber-Cement Siding No
2006 280,000 Shingles Roof 2,800 4 $2500-$5000 Deductible 1340 9 Wood siding yes
2009 340,000 Asphalt Shingles Roof 2,580 4 $500 Deductible 930 3 Vinyl siding No
2006 200,000 Composition Roof 1,980 3 $1000-$2500 Deductible 390 4 Brick siding yes
1962 190,000 Wood Shake Roof 1,410 3 $2500-$5000 Deductible 970 8 Fiber-Cement Siding No
1978 320,000 Shingles Roof 2,830 4 $2500-$5000 Deductible 1390 6 Stucco siding No
2012 250,000 Composition Roof 1,800 3 $2500-$5000 Deductible 1430 8 Vinyl siding yes
1970 245,000 Tile Roof 2,400 5 $1000-$2500 Deductible 930 7 Brick siding No
1960 220,000 Metal Roof 1,830 5 $5000 to $10,000 Deductible 170 1 Fiber-Cement Siding yes
1969 295,000 Metal Roof 3,010 5 $5000 to $10,000 Deductible 2200 9 Brick siding yes
1970 290,000 Metal Roof 2,950 4 $500- $1000 Deductible 440 2 Stone Siding yes