Beltzer-Dimura Insurance Agency
467 Troy Schenectady Rd, Latham, NY 12110
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467 Troy Schenectady Rd, Latham, NY 12110
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467 Troy-Schenectady Rd, Latham, NY 12110
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4 Avis Drive, Suite 100, Latham, NY 12110
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595 New Loudon Road, Suite 333, Latham, NY 12110
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1214 Troy Schenectady Rd, Ste 2, Latham, NY 12110
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1187 Troy Schenectady Rd, Latham, NY 12110
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Learn about insurance coverage options specific to Latham residents.
Latham homeowners pay $1,164/year on average. Learn about ice dam coverage, frozen pipes, flood risks, and how to save on premiums in Albany County.
Car InsuranceLatham drivers pay $150/month for full coverage. Learn about NY's no-fault PIP system, 25/50/10 minimums, and how I-87 Northway location affects your rates.
General Insurance EducationComplete insurance guide for Latham, NY residents covering auto, home, and life insurance requirements, costs, and money-saving tips in Albany County.
Homeowners in Albany County, where Latham is located, pay an average of $1,164 per year for $300,000 in dwelling coverage with a $1,000 deductible—about $97 per month. This is below both state and national averages, though rates have been increasing 10-12% annually in upstate New York due to severe weather and rising reinsurance costs.
Yes, standard homeowners insurance policies typically cover damage from ice dams, which are common in Albany County due to heavy snowfall and freezing temperatures. However, insurers will investigate whether you properly maintained your home—inadequate attic insulation or clogged gutters could lead to a denied claim. Proper winterization and maintenance are essential.
Standard homeowners policies don't cover flood damage, so if your property is near the Mohawk River or in a low-lying area, you should strongly consider separate flood insurance through the National Flood Insurance Program or a private carrier. Climate change is increasing flooding risks in Albany County, and ice jam flooding is a known hazard during winter and spring thaw. There's typically a 30-day waiting period before flood coverage takes effect.
Most standard policies cover damage from frozen or burst pipes, which are common during Latham's harsh winters. However, coverage can be denied if the insurer determines you were negligent—such as turning off heat while away or failing to drain exterior faucets. The average cost to repair burst pipe damage is $5,000 to $10,000, so proper winterization is critical.
New York homeowners saw an average 10.4% increase in 2024, with upstate areas like Latham experiencing 10-12% annual increases. Rising rates are driven by more frequent severe weather events due to climate change, increased reinsurance costs for insurers, higher construction and labor costs, and an overall increase in claims severity across the industry.
Bundle your home and auto insurance for 15-25% savings, install monitored security and fire alarm systems for 5-20% discounts, and consider raising your deductible to $1,000 or higher. Upgrading your roof, electrical, or plumbing systems can also reduce premiums. Ask about claim-free discounts if you haven't filed a claim in several years, and shop around annually to compare rates from multiple insurers.
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