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Schoharie County, NY Homeowners Insurance Quotes

We can help you shop and compare the best home insurance rates for your home in Schoharie County, NY. Our easy to use quoting application helps you review which carriers are most competitive in your area and which coverage option is best for your home, family and financial goals. Let us help you discover more affordable rates in Schoharie County.

When reviewing New York home insurance policies, Schoharie County residents are finding great ways to save time and money by finding more affordable rates when they shop online. New York may not be considered the most expensive state in the country to purchase home insurance, but it does rank higher than average at a national rank of 16. Homeowners within Schoharie County are paying around $1356 for an annual home insurance policy, where the majority of the U.S. population pays around $1,249. The average home insurance rates we just mentioned reflect the cost of a standard (HO-3) homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop and compare competitive rate quotes today! Start a Schoharie County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Schoharie 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 Schoharie 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.

Schoharie County, NY Housing Demographics

With 32,749 residents living within the Schoharie County area there are over 17,231 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 8,517 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 Schoharie County.

DemographicValues
Total Occupied Households13,166
Family Households (families)8,517
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units17,231

Schoharie County, NY Home Insurance Average Premiums

Local Schoharie, 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

  • 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 […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Discounts For Homeowners in Schoharie 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 Schoharie 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 Schoharie 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 Schoharie 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.

Schoharie County Housing & Real Estate Data

Details:Statistics
Total Housing Units17231
Occupied Housing Units13166
Vacant Housing Units4065
Vacant Housing Units for Rent246
Vacant Housing Units Rented Not Occupied12
Vacant Housing Units For Sale242
Vacant Housing Units Sold Not Occupied101
Vacant Housing Units For Seasonal Occasional Use2942
Vacant Housing Units All Other Vacants522
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units13166
Housing Tenure Occupied Units Owner Occupied9893
Housing Tenure Occupied Units Owner Occupied Population24332
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied3273
Housing Tenure Occupied Units Renter Occupied Population6861
Housing Tenure Occupied Units Renter Occupied Average Household Size2