Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Saratoga County, NY agent.

Saratoga County, NY Homeowners Insurance Quotes

If you would like to compare rates and save up to 40% or more on your Saratoga County, NY homeowners insurance, then you can easily comparison shop with us. GetHomeInsuranceQuotes.com provides multiple coverage options to choose from so you are not limited to one company, quote or coverage. In just a few minutes you can get multiple quotes from some of the top-rated home insurance companies in Saratoga County. Our licensed agents are ready to help you review and compare the best coverage option for you and your family. The consultation process is free and only takes a few minutes. We give you the option to compare rates online or over the phone. Best of all we can compare up to 12 top rated carriers that are most competitive for homeowners living in Saratoga County, New York.

Average Premiums in Saratoga County, NY

Residents living within Saratoga County, NY are currently paying around $113.00 per month for a standard homeowners policy. In New York, your premium could be in the average range of $1356 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage provider. This is why a large volume of homeowners are now shopping online in Saratoga County, NY to help them find cheaper rates with enhanced coverage protection. It's important to know that your HO-3 policy, much like an HO-2 policy will ususally cover windstorms, lightning and fire damage. Your current coverage may not be protecting you from flooding, wind and hail damage, hurricanes or earthquakes. Getting the right coverage protection for your home takes some time to review the best insurance carrier for you. Would you like to easily compare up to 12 home insurance companies and let us help you lock in the a great rate with the protect you need? We look forward to working with you and providing a excellent home insurance shopping experience. Enter your zip code to start your free online quoting process or give us a call now.

For all Saratoga County, NY residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Saratoga County? Simply enter your zip code to get your New York homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Saratoga County, NY Housing Demographics

With 219,607 residents living within the Saratoga County area there are over 98,656 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 58,814 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Saratoga County.

DemographicValues
Total Occupied Households88,296
Family Households (families)58,814
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units98,656

Saratoga County, NY Home Insurance Average Premiums

Local Saratoga, NY homeowners insurance quotes comparison

$1,131 /yr.

New York's Average Home Insurance Rates Overall

For the state of New York, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 16 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$842 /yr.
Current Average Cost:$1,131 /yr.
Maximum Range:$1357 /yr.

New York Homeowners Insurance News & Information

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

Discounts For Homeowners in Saratoga County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your New York homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Saratoga County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Saratoga County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Saratoga County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Saratoga County Housing & Real Estate Data

Details:Statistics
Total Housing Units98656
Occupied Housing Units88296
Vacant Housing Units10360
Vacant Housing Units for Rent1819
Vacant Housing Units Rented Not Occupied162
Vacant Housing Units For Sale1078
Vacant Housing Units Sold Not Occupied272
Vacant Housing Units For Seasonal Occasional Use5504
Vacant Housing Units All Other Vacants1525
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units88296
Housing Tenure Occupied Units Owner Occupied64205
Housing Tenure Occupied Units Owner Occupied Population167750
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied24091
Housing Tenure Occupied Units Renter Occupied Population47907
Housing Tenure Occupied Units Renter Occupied Average Household Size2