Albany, NY Home Insurance - How Can I Get it Cheap

Here are some techniques one should use to buy Albany, NY home insurance & get cheap rates.

1) Insure Personal Belongings In Your Albany, NY Homeowners Insurance Coverage

Example Personal Belongings Category Price
Sharp R-1880LS Over The Range Microwave Convection Oven Major Appliances $579.99
Jofran Grand Terrace 9PC Dining Table and Upholstered Chair Set Home $3,759.00
Bose CineMate 130 Home Theater System Receiver or Amplifier $1,499.00
Klipsch CDT-3650-CII In-Ceiling System #8 Speakers $2,993.00
Apex Whole House Water Filtration System w/ GAC amd Activated Alumina Home Improvement $350.00
Recharge Mower GT-8 8-Cubic Foot Garden Trailer Lawn & Patio $229.50
Samsung UN32H5203 Refurbished LED 1080p 120CMR Smart HDTV Built-In Wi-Fi Home Theater $249.99
TurtleJoose Gaming Desktop AMD x4 860 3.7 GHz R9-270 2GB (Play GTA 5 with HIGH settings) Personal Computer $900.00
Plutus 2-Pack Styling Side Chair Leatherette/Stainless Steel Legs, Black Furniture $1,473.00
Elite Cooler 95 Quart - Tan Freezer $730.00

2) Home Security Systems Lowers Your Albany, NY Home Insurance

Example Home Security Systems Price
Lorex LNR282C4B Full HD 1080p 8-Channel Security System with 4 IP Bullet Cameras and 2TB HDD (White) $1,499.95
QT5024-2 Digital Video Recorder - 2 TB HDD $899.99
GW Security 1208HDSDI-788HD8-4T 8-Channel HD-SDI 4 TB DVR 1080P CCTV Security 8-Camera System (Grey) $1,599.00
GoECOlife Shredder GXC200TB, 18-20 Sheet Crosscut $799.99
Aiphone KB-3MRD Audio/Video Master Station with Handset and Tilt Camera Control for KB Series Intercom System $1,334.00
Defender Sentinel 16CH H.264 500GB Smart Security DVR Including 16 Hi-Res Outdoor Cameras with 75ft Night Vision,21049 $829.99
ANRAN 2.0 Megapixel 1080P 2.8-12mm Varifocal Zoom Waterproof Outdoor/Indoor IR Night Vision POE IP Camera Security System 8ch Channel NVR with 2TB HDD pre-installed $2,050.00
GW Security VD12C16CH37HD 16 Channel 960H DVR Surveillance System with 12 x 850TVL Outdoor or Indoor Analog Security Cameras, 2TB HDD Pre-installed $799.00
GW Security New AHD 4CH 1080P DVR Video Surveillance Camera System 2 1080P 2.1 Megapixel Outdoor 48 IR LEDs 130ft Weatherproof Night Vision Bullet Security Camera $499.00
LaView LV-KN988P84A4-T2 Premium IP 8 Channel Security System with 4 IP 1080P Security Cameras, 2 TB HDD $1,149.99

3) Stop Smoking to Reduce Your Albany, NY Home Insurance

County Percentage of smokers
Albany county including Westerlo, Bethlehem, Cohoes, Rensselaerville, Albany County 17%
Cayuga county including Owasco, Conquest, Ledyard, Cayuga, Summerhill 28%
Delaware county including Kortright, Delhi, Davenport Center, Tompkins, Stamford 16%
Lewis county including Croghan, Montague, Harrisburg, Leyden, Copenhagen 20%
Columbia county including Claverack, Valatie, Austerlitz, Greenport, Columbia County 14%
Sullivan county including Bethel, Woodridge, Smallwood, Thompson, Cochecton 26%
Orange county including Washington Heights, Scotchtown, Gardnertown, Blooming Grove, Monroe 21%
Oneida county including Durhamville, Utica, Whitestown, Deerfield, Vernon 23%
Putnam county including Putnam County, Brewster Hill, Putnam Valley, Brewster, Cold Spring 10%
Chenango county including Lincklaen, Columbus, Smithville, Norwich, McDonough 23%
Schenectady county including Schenectady County, Glenville, Delanson, Scotia, Glenville 18%

4) Seniors Get More Home Insurance Discounts in Albany, NY

Senior Population in Albany, NY compared to similar areas eligible for home insurance
Place 55-60 Years 60-70 Years >70 Years
Albany 5609 7338 8765
Berne 250 254 375
Windsor 137 114 73
Stillwater 466 787 759
Claverack 436 534 1129
Housatonic 57 95 215
Hobart 32 64 59
Niskayuna 1871 2399 2671
East Greenbush 1325 1776 1801
Wilton 1332 1357 1182
Saugerties 1542 2828 2050