Scotia Insurance Rates:

Scotia, NY homeowners insurance is nearly $505 to $687, about $42-$57/month. Our extensive analysis reveals consumers can save as much as $238 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Scotia, NY Homeowners Insurance By Home Value

Scotia, NY Home Value Total Homes % of Total Average Scotia, NY Homeowners Insurance
Less than $50,000 23 1.0% $101
$70,000 to $79,999 24 1.0% $303
$80,000 to $89,999 70 3.0% $345
$90,000 to $99,999 104 5.0% $387
$100,000 to $124,999 519 25.0% $447
$125,000 to $149,999 361 17.0% $560
$150,000 to $174,999 457 22.0% $667
$175,000 to $199,999 240 11.0% $768
$200,000 to $249,999 160 7.0% $923
$250,000 to $299,999 78 3.0% $1132

Top Home Insurance Agents Near Scotia, NY

Home Insurance Company Near Scotia, NY Homeowners Insurance Agency Near Scotia, NY Address
NA Dignum & Bame Insurance Agency Inc 98B Troy Rd , East Greenbush, NY, 12061
Travelers Dignum & Bame Ins Agency Inc 98 B TROY RD, EAST GREENBUSH, NY, 12061
Travelers Dinsmore Agency Inc 467 TROY-SCHENECTADY RD, LATHAM, NY, 12110
Travelers Jankowski Agency Inc 7 W Main Street, Broadalbin, NY, 12025
Travelers Stolz Agency Inc 135 MAIN ST, RAVENA, NY, 12143

Cost Of Homeowners Insurance By Street Near Scotia, NY

Streets in Scotia Area Homeowners Insurance Cost
Albion St, 4th St, Market St, Swan St, Lyric St, N Toll St, Craigie Ave, Irving Rd, Eagle St, Deerfield Pl$598
Collins St, 5th St, James St, Red Oak Dr, Meriline Ave, Garnet Ln, Riverside Ave, Halcyon St, Lincoln St, Elliott St$595
3rd St, Vley Rd, Livingston Ave, Washington Rd, Larkin St, Slate Stone Dr, S Holmes St, Boulder Bend, N Ballston Ave, Broad St$597
Ballston Ave, Fawn Dr, S Ballston Ave, Robin St, Wyman St, Red Coach Dr, Vine St, Cartwheel Dr, John St, N Reynolds St$596
Oakhurst Dr, Alexander Ave, Huston St, Hawk St, Root Ave, Fawn Ln, Cambridge Manor Dr, Neal St, Glenview Dr, Catherine St$596

Scotia, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Scotia$89 to $91
Schenectady$88
East Glenville$91
Rotterdam$90

Scotia, 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
Schenectady city, New York $89 $118 $177
East Glenville CDP, New York $91 $121 $182
Rotterdam town, Schenectady County, New York $90 $120 $180

Scotia, 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
Scotia, NY3.6%8.4%
Schenectady3.64%8.66%
East Glenville2.73%8.17%
Rotterdam3.38%9.24%

Scotia Renters Insurance as a Percentage of Rent

Scotia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 77 8.0% $345
$200 to $299 21 2.0% $795
$300 to $499 11 1.0% $1245
$500 to $749 270 28.0% $1920
$750 to $999 264 27.0% $2670
$1,000 to $1,499 300 31.0% $3795

Scotia, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$5,600
Yearly Scotia Homeowner Insurance Premium Example $1,900$1,100
Out of Pocket Expense During Claim$1,600$5,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $13,000$12,200
Net Savings to Scotia Home Owner from High Deductible Plan $800

Scotia, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Scotia, NY Home Replacement Value MORE than Home Value Scotia, NY Home Replacement Value LESS than Home Value
Replacement Value $171,500 $123,500
Insurance Premium based on Replacement Value $1,675 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $275/year

Example Scotia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceChubb Group of InsuranceAmica Mutual Insurance Company
Monthly Premium 14125282
Year Built 195319401944
Home Details 4 Beds, 2 Baths5 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $200000-$250000$300000-$350000$100000-$125000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1941 215,000 Shingles Roof 2,220 3 $2500-$5000 Deductible 730 5 Brick siding No
1941 255,000 Wood Shake Roof 3,210 5 > $10,000 Deductible 100 1 Stone Siding No
1952 120,000 Wood Shake Roof 1,680 4 $1000-$2500 Deductible 210 3 Vinyl siding yes
1953 140,000 Metal Roof 1,330 3 $1000-$2500 Deductible 980 12 Wood siding No
1956 120,000 Asphalt Shingles Roof 1,200 2 $1000-$2500 Deductible 90 1 Stucco siding No
1955 110,000 Tile Roof 1,040 2 $1000-$2500 Deductible 150 2 Fiber-Cement Siding No
1943 235,000 Shingles Roof 2,370 5 $1000-$2500 Deductible 170 1 Fiber-Cement Siding yes
1940 110,000 Asphalt Shingles Roof 1,070 2 $500 Deductible 600 9 Stucco siding yes
1957 330,000 Asphalt Shingles Roof 3,340 4 $2500-$5000 Deductible 2590 12 Stucco siding yes
1956 200,000 Slate Shingles Roof 2,620 4 > $10,000 Deductible 1160 10 Brick siding yes
1958 155,000 Composition Roof 1,670 3 $500 Deductible 890 8 Stone Siding No
1944 505,000 Shingles Roof 4,930 5 > $10,000 Deductible 500 3 Brick siding yes
1956 130,000 Metal Roof 1,520 5 $2500-$5000 Deductible 410 5 Brick siding No
1942 290,000 Tile Roof 2,950 4 $5000 to $10,000 Deductible 1270 7 Brick siding yes
1944 155,000 Composition Roof 1,920 3 $500 Deductible 140 1 Stone Siding No
1948 250,000 Tile Roof 3,140 4 $5000 to $10,000 Deductible 110 1 Stucco siding No
1959 390,000 Slate Shingles Roof 4,400 5 > $10,000 Deductible 1530 8 Stucco siding yes
1945 245,000 Metal Roof 2,350 3 $500 Deductible 1280 7 Brick siding No
1948 215,000 Membrane Roof 2,210 4 $500 Deductible 680 4 Fiber-Cement Siding yes
1940 205,000 Wood Shake Roof 2,010 3 > $10,000 Deductible 460 6 Stone Siding yes
1947 180,000 Asphalt Shingles Roof 2,320 3 $1000-$2500 Deductible 680 6 Fiber-Cement Siding No
1955 265,000 Slate Shingles Roof 2,870 4 $1000-$2500 Deductible 160 1 Stucco siding No
1940 160,000 Asphalt Shingles Roof 1,640 2 $500- $1000 Deductible 680 7 Vinyl siding yes
1954 270,000 Shingles Roof 3,220 4 $5000 to $10,000 Deductible 170 1 Fiber-Cement Siding No
1946 195,000 Tile Roof 1,910 5 $500 Deductible 1150 6 Vinyl siding No
1940 270,000 Metal Roof 2,750 5 $500- $1000 Deductible 1510 9 Stucco siding No
1950 135,000 Shingles Roof 1,680 2 $1000-$2500 Deductible 620 8 Vinyl siding No
1945 100,000 Metal Roof 1,220 3 $500 Deductible 720 9 Vinyl siding yes
1943 345,000 Tile Roof 3,720 5 $2500-$5000 Deductible 1630 6 Wood siding No
1941 200,000 Tile Roof 2,240 3 $500 Deductible 300 2 Brick siding yes
1954 120,000 Membrane Roof 1,210 2 $500 Deductible 740 7 Brick siding yes
1950 420,000 Slate Shingles Roof 4,490 5 $2500-$5000 Deductible 1450 6 Vinyl siding No
1958 100,000 Asphalt Shingles Roof 1,300 2 $500 Deductible 1310 12 Brick siding No
1953 145,000 Membrane Roof 1,680 2 $1000-$2500 Deductible 560 5 Brick siding No