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Home Insurance Costs with Deductible Scenarios in Otsego County, NY & Nearby Areas

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($2500)
Low Deductible($)
($500)
Otsego County, NY $141900 $439 $604
West Winfield, NY $107400 $426 $587
Butternuts, NY $135000 $445 $613
Decatur, NY $154800 $469 $645
Meredith, NY $166100 $486 $669
Morris, NY $127900 $439 $604
Cooperstown, NY $271600 $759 $1,044
Warren, NY $107200 $426 $587
Edmeston, NY $129700 $440 $606
Maryland, NY $117700 $432 $594

Impact of Coverage Amount on Home Insurance Cost In Otsego County, NY

Coverage Amount Home Insurance Cost ($)
$100,000 $399
$200,000 $1,282
$300,000 $1,769
$400,000 $2,091
$500,000 $2,676
$750,000 to $1000,000 $3,095
Above $1000,000 $3,659


Otsego County, NY Homeowners Insurance Rates Compared to State & National Average Rates

Average Home Insurance Cost($)
National Average $1224
Otsego County, NY Average Home Insurance Cost$611.1
State Average Home Insurance Cost$1,164
Difference Vs national Average-612.9

Top Homeowners Insurance Companies in Otsego County, NY

Insurance Provider Average Homeowners Insurance Cost($)
The Hanover $1,229
Preferred Insurance $900
State Farm $748
MetLife $742

Otsego County, NY Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claim Free -73 538
One Claim +49 660
Two Claims +86 697