Beekmantown Insurance Rates:

Beekmantown, NY home insurance is nearly $504 to $685, about $42-$57/month. Our in depth research reveals consumers can save upto $238 by getting different quotes

Compare Quotes from Top Providers and Save now!

Beekmantown, New York Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Beekmantown Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $330/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 2310 sqft Seasonal Residence Constructed In 2003 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $660/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1920 sqft Primary Residence Constructed In 1949 with Carpet Flooring, Metal Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1320/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 4050 sqft Rental Property Constructed In 2010 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1910/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $465,000

5 Beds, 5 Baths 4710 sqft Primary Residence Constructed In 1963 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1970/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Bath 3950 sqft Rental Property Constructed In 1983 with Wood Flooring, Tile Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1100/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Bath 2610 sqft Primary Residence Constructed In 1989 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $840/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2090 sqft Seasonal Residence Constructed In 1947 with Linoleum, Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $620/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 3910 sqft Primary Residence Constructed In 1942 with Wood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1420/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 3220 sqft Primary Residence Constructed In 1992 with Linoleum, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $1370/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2530 sqft Rental Property Constructed In 2010 with Linoleum, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Beekmantown Rates & Quotes Analysis:

Beekmantown Area Estimated House Insurance
Conroy Rd, Ron Cathy Rd, Gene Lefevre Rd, Moffitt Rd, O Neil Rd, Seymour Rd, Shawn Rd, Brewster Rd, Porter Rd, Maple Ridge Dr$592
Tetreault Dr, Stony Acres Dr, Kelly Rd, Co Rd 28, Harmony Ln, Lake Shore Rd, Spoor Dr, Gilmore Ln, Divine Acres, Greenbriar Way$596
Trim Rd, Nichols Rd, Holcombe Rd, Pellerin Rd, Gen Leroy Manor Rd, Breyette Way, Asgard Ln, Point au Roche Rd, Colby Rd, Haymeadow Rd$595
Cl Stone Dr, Rooney Rd, Kris Guybecky Ln, Laura Dr, Branon Dr, Co Rd 16, Smoke Rise Dr, Greta Howe Ln, Ashley Rd, Stoney Acres Dr$596
Monty Rd, Cemetery Rd, Golden Rd, Carls Pl, Cooper Dr, Greenlawn Rd, Hobbs Rd, Holcombe Ct, Highland View Way, Bouchard Dr$594

Insurance rates are influenced by a number of factors including:

  • Year Built: 442 Homes (17% of total) built between 1939 or earlier in Beekmantown are paying home insurance between $1,272-$1,281 compared to Cumberland Head (+$31), Morrisonville (+$13), Isle La Motte(VT) (+$285), West Chazy (-$19) and Plattsburgh West (-$45).
  • Bedrooms: 767 2 bedrooms homes (30% of total homes ) in Beekmantown are paying about $215. Areas near to Beekmantown such as Chazy, Plattsburgh, Morrisonville are costlier by $5, $6, $7 respectively whereas Malone and Winthrop are more economical by $4, $6 respectively for similar homes.
  • Auto Insurance Bundling: 972 Households (55% of all households) in Beekmantown have 2 vehicles available and when it is bundled with home insurance you can save $119. Discounts for similar bundling in close by locations such as West Chazy, Chazy, Plattsburgh come to $117, $118, $119 respectively.
  • Senior Discounts: 697 seniors (more than 55 years) occupied housing units (39% of total) in Beekmantown get discounts between $88 to $91. The comparative concessions in proximate regions such as West Chazy, Chazy and Plattsburgh are $87, $88 and $89 respectively.
  • New Homes discounts: New homes such as the 1,116 homes built between 2000 to 2009 in Beekmantown can save $119 and similar new home insurance discounts in nearby towns and cities like West Chazy, Chazy and Plattsburgh are $117, $118 and $119 respectively.

Beekmantown Homeowners insurance Facts

  • Beekmantown, NY has 1,745 owner occupied houses which is 78.9% of all units whereas West Chazy, Chazy and Plattsburgh have 78.66%, 70.72% and 40.05% respectively.
  • Beekmantown, NY homeowners yearly insurance price at $595 is 0.42% of the typical house value of $140,200 which is in contrast with 0.67% in West Chazy, 0.45% at Chazy & 0.43% in Plattsburgh.
  • Homeowners in Beekmantown, NY pay 1.59% of their income ($35,000 to $39,999) in insurance whereas homeowners in West Chazy, Chazy and Plattsburgh pay 1.56%, 1.58% and 1.59% respectively.
  • Beekmantown, NY’s insurance is 3.5% of monthly housing costs of $1,402/month, for owners with a mortgage compared to 4.89% in West Chazy, 4.1% at Chazy & 3.48% in Plattsburgh. But, for households without a mortgage, insurance is 9.7% of costs ($511 in Beekmantown, NY) in contrast with 10.11% in West Chazy, 9.88% at Chazy & 10.14% in Plattsburgh.

Beekmantown, NY Home Values & Insurance rates

For example, insurance for 175 Homes (10.0% of total homes ) valued between $200,000 to $249,999 in Beekmantown, NY is about $952. Rates in nearby areas in such as Cumberland Head, Morrisonville, Isle La Motte are cheaper by $301, $124, $223 respectively while West Chazy and Chazy are costlier by $557 and $56 respectively for similar homes.

Beekmantown, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 246 14.0% $101
$50,000 to $59,999 43 2.0% $220
$60,000 to $69,999 54 3.0% $273
$70,000 to $79,999 76 4.0% $315
$80,000 to $89,999 43 2.0% $357
$90,000 to $99,999 84 5.0% $398
$100,000 to $124,999 165 9.0% $464
$125,000 to $149,999 265 15.0% $583
$150,000 to $174,999 295 17.0% $684
$175,000 to $199,999 50 2.0% $791
$200,000 to $249,999 175 10.0% $952
$250,000 to $299,999 96 5.0% $1166
$300,000 to $399,999 83 4.0% $1481

Renters Insurance in Beekmantown

  • Average Renters Insurance in Beekmantown :  $186($15/month)

  • Median Gross Rent in Beekmantown :  $642

  • Beekmantown Renters Insurance to Median Rent Ratio:  2.34%

  • Average household size of renter-occupied unit :  1.99

Beekmantown Renters Insurance as a Percentage of Rent

Beekmantown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 36 9.0% $346
$200 to $299 11 2.0% $796
$300 to $499 20 5.0% $1246
$500 to $749 150 39.0% $1921
$750 to $999 134 35.0% $2671
$1,000 to $1,499 13 3.0% $3796
$1,500 or more 15 3.0% $5446

Rent Affordability in Beekmantown:

Approximately 52.0% (244) of households are spending more than 35% of their income on gross rent in Beekmantown

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 23 4.0%
15.0 to 19.9 percent 43 9.0%
20.0 to 24.9 percent 112 23.0%
25.0 to 29.9 percent 45 9.0%
35.0 percent or more 244 52.0%

Protective device discount in Beekmantown Up to :  $27

Claims-free discount in Beekmantown Up to :  $37