Waterford Insurance Rates:

Waterford, NY homeowners insurance is about $516 to $702, about $43-$58/month. Our in depth guide indicates shoppers can save upto $243 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Waterford, NY Homeowners Insurance By Home Value

Waterford, NY Home Value Total Homes % of Total Average Waterford, NY Homeowners Insurance
Less than $50,000 81 3.0% $66
$50,000 to $59,999 50 2.0% $146
$60,000 to $69,999 33 1.0% $182
$70,000 to $79,999 31 1.0% $213
$80,000 to $89,999 61 2.0% $243
$90,000 to $99,999 29 1.0% $274
$100,000 to $124,999 122 5.0% $316
$125,000 to $149,999 86 3.0% $395
$150,000 to $174,999 257 11.0% $468
$175,000 to $199,999 249 11.0% $535
$200,000 to $249,999 643 28.0% $645
$250,000 to $299,999 301 13.0% $791
$300,000 to $399,999 296 13.0% $1004

Top Home Insurance Agents Near Waterford, NY

Home Insurance Company Near Waterford, NY Homeowners Insurance Agency Near Waterford, NY Address
Travelers Hopmeier-Evans-Gage Agency Inc 2330 BROADWAY, SCHENECTADY, NY, 12306
Travelers Jacksland Associates Inc 343 N COMRIE AVE, JOHNSTOWN, NY, 12095
Travelers Robinson & Son Llc 144 RIVER ST, HUDSON FALLS, NY, 12839
Nationwide The Scarantino Agency Inc 1761 State St, Schenectady, NY, 12304-1829
NA C. H. Mcnally & Son, Inc. 433 Waite Rd. , Schaghticoke, NY, 12154

Cost Of Homeowners Insurance By Street Near Waterford, NY

Streets in Waterford Area Homeowners Insurance Cost
Garnet Ct, Ridgeview Ave, Mallards Lndg S, Catallo Dr, Harvest Way, Canal St, Valleyview Ave, Towpath Ln, 2nd Ave, Bells Ln N$612
Vespar Ct, Murray Ave, River St, S St Exn, Mockingbird Ct, Hudson River Rd, 3rd Ave, Barley Ct, Belanger Ave, Van Schoonhoven Sq$611
Erie Ct, Pineview Ct, Davis Ave, Pintail Pl, Vanderwerken Ave, Lea Ave, Clinton Ave, Jay St, Copperfield Dr, Front St$610
Suncrest Dr, Ballston St, Birch Glen Dr, Partridge Ln, State St, Timber Dr, Morgan Ln, Craig Ave, Fletcher Ct, 9th St$609
Hillview Ter, Davis Dr, Victor Dr, Canvasback Ridge, 1st Ave, Fairfax Row, Widgeon Way, Mercer St, Mill Rd, Hillview Ave$609

Waterford, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waterford$91 to $93
Cohoes$89
Halfmoon$91
Watervliet$88

Waterford, 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
Cohoes city, New York $75 $99 $149
Green Island village, New York $74 $99 $148
Halfmoon town, Saratoga County, New York $76 $101 $152

Waterford, 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
Waterford, NY3.3%9.1%
Cohoes3.56%10.41%
Green Island3.78%10.83%
Halfmoon2.91%8.39%

Waterford Renters Insurance as a Percentage of Rent

Waterford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 15 1.0% $789
$300 to $499 43 3.0% $1239
$500 to $749 337 28.0% $1914
$750 to $999 504 41.0% $2664
$1,000 to $1,499 264 21.0% $3789
$1,500 or more 38 3.0% $5439

Waterford, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Waterford Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $14,400$13,400
Net Savings to Waterford Home Owner from High Deductible Plan $1,000

Waterford, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waterford, NY Home Replacement Value MORE than Home Value Waterford, NY Home Replacement Value LESS than Home Value
Replacement Value $262,500 $198,000
Insurance Premium based on Replacement Value $2,625 $1,975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $40,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $250/year

Example Waterford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateLiberty Mutual
Monthly Premium 45088131
Year Built 199819431996
Home Details 5 Beds, 4 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $400000-$500000$125000-$150000$125000-$150000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 360,000 Slate Shingles Roof 3,090 4 $1000-$2500 Deductible 1770 9 Wood siding yes
1943 390,000 Slate Shingles Roof 2,790 4 $500- $1000 Deductible 1670 5 Fiber-Cement Siding yes
1940 200,000 Asphalt Shingles Roof 1,600 5 $500- $1000 Deductible 1780 12 Stucco siding No
1992 275,000 Wood Shake Roof 2,920 4 $2500-$5000 Deductible 1430 8 Brick siding yes
1942 285,000 Slate Shingles Roof 2,200 3 $500 Deductible 1580 6 Wood siding yes
1997 260,000 Asphalt Shingles Roof 2,140 3 > $10,000 Deductible 780 7 Stone Siding yes
1999 280,000 Metal Roof 2,950 4 $2500-$5000 Deductible 350 3 Brick siding No
1946 125,000 Asphalt Shingles Roof 1,150 2 $2500-$5000 Deductible 610 9 Vinyl siding No
1996 220,000 Shingles Roof 1,860 4 $1000-$2500 Deductible 1220 7 Vinyl siding No
1993 255,000 Wood Shake Roof 2,210 4 > $10,000 Deductible 350 2 Stucco siding yes
1992 160,000 Shingles Roof 1,250 2 $2500-$5000 Deductible 850 7 Vinyl siding yes
1943 245,000 Membrane Roof 1,960 5 $500- $1000 Deductible 480 2 Brick siding No
1990 350,000 Asphalt Shingles Roof 3,060 4 $1000-$2500 Deductible 460 2 Wood siding No
1998 305,000 Metal Roof 3,200 5 $2500-$5000 Deductible 1720 9 Stucco siding yes
1941 300,000 Tile Roof 2,790 5 $5000 to $10,000 Deductible 210 1 Fiber-Cement Siding yes
1991 230,000 Membrane Roof 2,150 3 $500- $1000 Deductible 1360 7 Stucco siding yes
1991 140,000 Slate Shingles Roof 1,210 2 $500 Deductible 230 2 Stone Siding No
1942 175,000 Tile Roof 1,830 3 $5000 to $10,000 Deductible 470 5 Brick siding yes
1993 330,000 Tile Roof 2,820 4 $5000 to $10,000 Deductible 780 4 Stucco siding No
1946 130,000 Composition Roof 1,160 2 $1000-$2500 Deductible 780 9 Stone Siding No
1949 145,000 Wood Shake Roof 1,380 3 $500- $1000 Deductible 1560 12 Stucco siding No
1998 200,000 Membrane Roof 1,930 5 $500- $1000 Deductible 440 3 Stone Siding No
1948 340,000 Tile Roof 3,290 4 > $10,000 Deductible 1250 9 Fiber-Cement Siding yes
1949 265,000 Asphalt Shingles Roof 2,150 4 $500 Deductible 2200 12 Stone Siding yes
1942 235,000 Slate Shingles Roof 2,090 3 $1000-$2500 Deductible 1760 10 Fiber-Cement Siding yes
1943 350,000 Asphalt Shingles Roof 3,500 5 $1000-$2500 Deductible 1170 4 Wood siding No
1994 345,000 Membrane Roof 2,610 4 > $10,000 Deductible 730 3 Stone Siding No
1948 215,000 Metal Roof 1,930 3 $5000 to $10,000 Deductible 210 2 Vinyl siding No
1940 185,000 Metal Roof 1,550 3 $1000-$2500 Deductible 1720 12 Wood siding No
1941 455,000 Asphalt Shingles Roof 4,350 5 $2500-$5000 Deductible 370 2 Wood siding No
1940 295,000 Asphalt Shingles Roof 2,160 4 $500 Deductible 1090 4 Wood siding yes
1945 300,000 Composition Roof 2,590 5 $2500-$5000 Deductible 1680 10 Wood siding No
1993 440,000 Slate Shingles Roof 3,500 5 $2500-$5000 Deductible 2720 10 Wood siding yes
1949 380,000 Membrane Roof 3,380 4 $5000 to $10,000 Deductible 1150 5 Brick siding No