Scotchtown Insurance Rates:

Scotchtown, NY homeowners insurance is about $526 to $714, about $43-$59/month. Our complete analysis indicates shoppers can save upto $248 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Scotchtown, NY Homeowners Insurance By Home Value

Scotchtown, NY Home Value Total Homes % of Total Average Scotchtown, NY Homeowners Insurance
$90,000 to $99,999 23 1.0% $217
$125,000 to $149,999 143 7.0% $316
$150,000 to $174,999 108 5.0% $372
$175,000 to $199,999 142 7.0% $434
$200,000 to $249,999 279 15.0% $520
$250,000 to $299,999 572 31.0% $638
$300,000 to $399,999 495 27.0% $812

Top Home Insurance Agents Near Scotchtown, NY

Home Insurance Company Near Scotchtown, NY Homeowners Insurance Agency Near Scotchtown, NY Address
Farmers Jack Planchard 23 S Kinderkamack Rd, Montvale, NJ, 7645
NA Chamberlin & Cats Insurance, Inc. 5 Bennitt St , New Milford, CT, 6776
Liberty Mutual Independent Berger And Solomon Inc. 129 S Main St, ELLENVILLE, NY, 12428
Nationwide Emmanuel Osuyah 609 E 188th St, Bronx, NY, 10458
State Farm Erin Misurelli 296 Route 10, Randolph, NJ, 07869-2206

Cost Of Homeowners Insurance By Street Near Scotchtown, NY

Streets in Scotchtown Area Homeowners Insurance Cost
Pine Ct, Conning Ave, Fortune Rd W, Wild Rd, Berkman Dr, Rockwood Pl, Heritage Xing, Mailo Dr, Brian Rd, Edgewater Dr$616
Laurie Anne Dr, Cameron Ln, Beverly Dr, Monica Ct, Greenwood Rd, King Rd, Old State Hwy 17K, Michele Ct, Sheffield Dr, McKee Ln$618
Bisch Rd, Silver Lake Apartment, Ballard Rd, Sunflower St, Woodstock Ln, Brae Mar Rd, Sharon Dr, Norwich Ct, Patio Rd, Mt Joy Rd$616
Electric Ave, Hickory Pl, Stone Schoolhouse Rd, Scott Dr, Henry St, Gaynor Rd, Scotchtown Pl, 5th St, Denton Ave, Coutant Rd$617
Arden Ct, Georges Rd, Fern St, Washburn Ave, Leewood Dr, Rhode Island Ave, Dominick St, Tucci Rd, Commonwealth Ave, Sands Rd$615

Scotchtown, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Scotchtown$92 to $95
Wallkill$92
Mechanicstown$91
Orange County$93

Scotchtown, 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
Wallkill town, Orange County, New York $77 $103 $154
Mechanicstown CDP, New York $77 $102 $153
Washington Heights CDP, New York $77 $102 $153

Scotchtown, 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
Scotchtown, NY2.5%6.2%
Wallkill2.47%6.26%
Mechanicstown2.88%7.01%
Washington Heights2.33%8.99%

Scotchtown Renters Insurance as a Percentage of Rent

Scotchtown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 26 1.0% $334
$750 to $999 517 36.0% $2659
$1,000 to $1,499 736 52.0% $3784
$1,500 or more 125 8.0% $5434

Scotchtown, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Scotchtown Homeowner Insurance Premium Example $2,400$1,900
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $19,700$18,700
Net Savings to Scotchtown Home Owner from High Deductible Plan $1,000

Scotchtown, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Scotchtown, NY Home Replacement Value MORE than Home Value Scotchtown, NY Home Replacement Value LESS than Home Value
Replacement Value $318,000 $212,000
Insurance Premium based on Replacement Value $3,475 $2,300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $60,000 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $500/year Insurance costlier by $675/year

Example Scotchtown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceErie Insurance
Monthly Premium 330126204
Year Built 199819751980
Home Details 4 Beds, 2 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$200000-$250000$200000-$250000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Scotchtown, 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 180,000 Metal Roof 1,230 3 $5000 to $10,000 Deductible 550 10 Brick siding yes
1971 245,000 Asphalt Shingles Roof 2,010 3 $2500-$5000 Deductible 1440 9 Brick siding yes
1983 190,000 Tile Roof 1,370 2 $2500-$5000 Deductible 410 3 Wood siding yes
1983 200,000 Tile Roof 1,460 2 $500- $1000 Deductible 440 3 Brick siding yes
1998 155,000 Slate Shingles Roof 1,050 2 $2500-$5000 Deductible 880 10 Stucco siding yes
1980 325,000 Shingles Roof 2,350 5 $500 Deductible 470 2 Stone Siding No
1991 290,000 Composition Roof 1,960 4 $2500-$5000 Deductible 1220 6 Brick siding No
1983 250,000 Asphalt Shingles Roof 2,050 3 $5000 to $10,000 Deductible 640 6 Wood siding No
1995 530,000 Wood Shake Roof 3,320 5 > $10,000 Deductible 1030 5 Stucco siding No
1973 190,000 Wood Shake Roof 1,530 5 $2500-$5000 Deductible 660 4 Wood siding No
1972 120,000 Asphalt Shingles Roof 940 2 $1000-$2500 Deductible 150 2 Wood siding yes
1996 390,000 Slate Shingles Roof 2,690 4 $500 Deductible 300 1 Stone Siding yes
1983 270,000 Membrane Roof 2,400 3 $1000-$2500 Deductible 740 5 Brick siding yes
1997 175,000 Slate Shingles Roof 1,210 2 $500 Deductible 770 5 Brick siding yes
1989 170,000 Slate Shingles Roof 1,350 2 $500- $1000 Deductible 690 4 Fiber-Cement Siding No
1972 205,000 Asphalt Shingles Roof 1,590 2 $5000 to $10,000 Deductible 1210 12 Stone Siding yes
1989 235,000 Composition Roof 1,870 4 $2500-$5000 Deductible 290 2 Wood siding No
1998 355,000 Membrane Roof 2,440 5 > $10,000 Deductible 150 1 Stone Siding yes
1995 330,000 Asphalt Shingles Roof 2,680 4 $2500-$5000 Deductible 2410 9 Vinyl siding yes
1987 135,000 Tile Roof 1,210 3 $1000-$2500 Deductible 970 12 Vinyl siding No
1991 195,000 Asphalt Shingles Roof 1,390 3 $1000-$2500 Deductible 710 4 Wood siding No
1992 265,000 Slate Shingles Roof 1,660 5 $5000 to $10,000 Deductible 860 5 Fiber-Cement Siding yes
1976 120,000 Composition Roof 910 2 $1000-$2500 Deductible 70 1 Fiber-Cement Siding No
1985 160,000 Shingles Roof 1,050 2 $1000-$2500 Deductible 800 8 Fiber-Cement Siding No
1982 295,000 Slate Shingles Roof 1,750 5 > $10,000 Deductible 690 5 Vinyl siding No
1979 190,000 Slate Shingles Roof 1,380 2 $500- $1000 Deductible 600 3 Stone Siding No
1982 165,000 Slate Shingles Roof 1,000 2 $2500-$5000 Deductible 390 4 Stone Siding yes
1972 300,000 Asphalt Shingles Roof 2,220 4 $1000-$2500 Deductible 950 5 Vinyl siding No