Johnstown, NY Home Insurance Quotes!

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Johnstown, NY residents are discovering how easy it is to shop rates online with GetHomeInsuranceQuotes.com. The difference in our service allows you to enjoy our easy quoting system application that quickly helps you enter the home details and information needed for us to generate up to 12 competitive Johnstown homeowners insurance rates. Over the years we have learned that homeowners don't have a lot of time to shop every carrier and nor do they know which carriers are best for them. This is why our top-notch quoting services helps save you time and money because we can provide the most competitive rates available and help you compare the differences in price, overall cost and coverage. Shop rates now as low as $755 per year.

Since 2009, our agency focus has been to put the greatest needs of customers first allowing homeowners like yourself living in Johnstown to quickly and accurately get the home insurance policy you need, no matter if you are shopping rates because of unexpected rate increases or if you are moving into a new home in the local area.

For fast home insurance quotes for your home in Johnstown, NY, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 1-855-976-2656!

Johnstown, NY Facts & Demographics

SourceValue
Location:Johnstown, NY (FULTON County)
Population:8,743
Occupied Residents:19,904
Average Real Estate Value Per Zip Code:$105,700

Average Johnstown, NY Homeowners Insurance Rates

Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Johnstown, NY.

  • What is the average Johnstown, NY home insurance rate per year? $1,005 / yr.
  • What is the monthly cost of home insurance in Johnstown on avereage? $84
  • What does home insurance cost in Johnstown for a 1500 square foot home? $755 (based on a standard HO-3 policy with discounts applied)
  • What the national average in the United States? $1,311.00

The average rates in Johnstown, NY are based on "averages" in your local area which only include an HO-3 home insurance package policies for homes that are occupied. Our quoting system will help you save up to 40% or more when we compare rates, discounts and coverage options.

Top 5 Helpful Saving Resources

Below are helpful saving tips when purchasing or shopping for home insurance.

  1. FAQ: What is a Johnstown, NY Homeowners Insurance Policy?
  2. FAQ: What does a replacement cost coverage and actual cash value mean for my home in Johnstown, NY?
  3. This FREE Home Replacement Cost Value Calculator will calculate your replacement cost coverage for your home in Johnstown, NY so you know what type of home insurance coverage you need to cover your dwelling coverage or replacement cost.
  4. Here are the top five homeowners insurance discounts that you may not be aware of in New York
  5. Here are the top 3 home insurance credits available to homeowners.

 

Compare Homeowners Insurance Rates in Johnstown, NY!

Enter your Zip Code:    

Get up to 12 competitive Johnstown, NY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Johnstown, NY rates all in one place!

Average Rates Nearby Johnstown

Are you looking for homeowners insurance in a city near Johnstown? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Johnstown, NY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Johnstown.

12095,     

Johnstown, NY Home Insurance Average Premiums

Local Johnstown, NY home insurance quotes comparison

$755 /yr.

Shows Johnstown's lowest average rates with discounts applied.

For the city of Johnstown, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$755 /yr.
Average Coverage:$1005 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1305 /yr.

What is the average home insurance cost for a home in Johnstown, NY?

  • • The average homeowners insurance premium paid annually for a home in Johnstown is around $1005 per year.

What does it cost on average per month for home insurance in Johnstown, NY?

  • • Homeowners in Johnstown pay an average cost per month around $84.00 for insurance coverage.

Johnstown, NY - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $0 $0
February $0 $0
March $0 $0
April $166,592 $0

Homeowners insurance will help cover the cost to repair or replace your Johnstown home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Johnstown
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Johnstown, NY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Johnstown, NY rates all in one place!

Saving Money Tips on Johnstown Home Insurance

A great way to save money on Johnstown homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Johnstown area? Check out what homeowners are paying on average for New York homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
895 ft. This is the average home elevation in Johnstown, NY

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New York flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Johnstown, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Fulton County.

New York Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Johnstown, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Johnstown so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Johnstown, NY?

- The average square footage in Johnstown is around 516 Sq. Ft. which would cost you around $105,700 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $105,700

Location: Johnstown, New York (Fulton County)

Average Building Cost Per Square Foot in Johnstown: $205 (low end)

Average Square Footage in Johnstown: 516 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$205$105,700
Some Additional Upgrades$256$132,125
Major Home Updates or Advancements$308$158,550

The dwelling coverage is calculated by the average cost per square foot ($205) in Johnstown, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.