Hampton Bays Insurance Rates:

Hampton Bays, NY home insurance is about $560 to $764, about $46-$63/month. Our comprehensive guide reveals consumers can save upto $264 by getting many quotes

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Hampton Bays Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1020/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

2 Beds, 2 Bath 1100 sqft Primary Residence Constructed In 1989 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $6140/10 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,055,000

5 Beds, 5 Baths 4350 sqft Primary Residence Constructed In 1975 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Divorced Male who is Unemployed and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3040/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $555,000

5 Beds, 5 Baths 2140 sqft Rental Property Constructed In 1985 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $2260/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

2 Beds, 2 Bath 1620 sqft Rental Property Constructed In 1971 with Carpet Flooring, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $210/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Bath 1220 sqft Primary Residence Constructed In 1991 with Wood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1350/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $210,000

2 Beds, 2 Bath 930 sqft Primary Residence Constructed In 1995 with Wood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1190/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $465,000

2 Beds, 2 Bath 1770 sqft Vacation Property Constructed In 1982 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1610/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Baths 1250 sqft Rental Property Constructed In 1987 with Linoleum, Composition Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1930/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

3 Beds, 3 Bath 1850 sqft Seasonal Residence Constructed In 1981 with Stone Flooring, Metal Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Hampton Bays, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
11946 $478,400 $670

Hampton Bays Rates & Quotes Analysis:

Hampton Bays Area Estimated House Insurance
Greenfield Rd, Rolling Hill Rd, Jones Dr, Beaver Ln W, Fox Hollow Dr, Maylen Dr, Cold Spring Rd, Pine Pl, Elder Ave, Hyler Dr$657
Phillips Ave, Wakeman Ct, Mary Ct, Donald Ave, Randall St, Francis Ct, Viking Ln, Beachdale Rd, Temple Ave, Lilac Xing$632
Donellan Rd, Whitebrook Dr, Hilltop Rd, Quogue Ave, Lillian Ln, Carols Way, Sebonac Rd, Pond Dr, High Rd, Anne Ave$628
Bay Ave W, Red Cedar Point Rd, Club Dr, Canoe Place Rd, Louise Ct, Quogue Riverhead Rd, Sugar Loaf Rd, Nautilus Ln, Arbutus Rd, Oaks Ave$696
Eastway Dr, Sagamore Rd, Holiday Ct, Reeves Bay Trl, Baywoods Dr, Rebadam Ln, Peconic Hill Rd, Shinnecock Ln, Allamora Rd, Upland Dr$686

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,271 Homes (16% of total) built between 1950 to 1959 in Hampton Bays are paying home insurance between $1,246-$1,256 and varies from Southampton (+$49), Shinnecock Hills (+$74), Quogue (+$159), Flanders (-$55) and Shinnecock (-$72).
  • Bedrooms: 1,972 2 bedrooms homes (25% of total homes ) in Hampton Bays are paying about $239 in contrast with Southampton (+$10), Shinnecock Hills (+$14), Quogue (+$30), Flanders (-$10) and Shinnecock (-$14).
  • Auto Insurance Bundling: 1,651 Households (45% of all households) in Hampton Bays have 2 vehicles available and when it is bundled with home insurance you can save $132. Discounts for similar bundling in close by locations such as East Quogue, Southampton, Shinnecock Hills come to $132, $137, $140 respectively.
  • Senior Discounts: 1,859 seniors (more than 55 years) occupied housing units (51% of total) in Hampton Bays get discounts between $98 to $101. The comparative concessions in proximate regions such as East Quogue, Southampton and Shinnecock Hills are $99, $103 and $105 respectively.
  • New Homes discounts: New homes such as the 2,410 homes built between 2000 to 2009 in Hampton Bays can save $132 and similar new home insurance discounts in nearby towns and cities like East Quogue, Southampton and Shinnecock Hills are $132, $137 and $140 respectively.

Hampton Bays Homeowners insurance Facts

  • Hampton Bays, NY has 3,601 owner occupied houses which is 69.5% of all units whereas East Quogue, Southampton and Shinnecock Hills have 95.99%, 77.74% and 53.92% respectively.
  • Hampton Bays, NY homeowners yearly insurance price at $662 is 0.14% of the typical house value of $480,000 which is in contrast with 0.14% in East Quogue, 0.11% at Southampton & 0.1% in Shinnecock Hills.
  • Homeowners in Hampton Bays, NY pay 2.04% of their income ($30,000 to $34,999) in insurance whereas homeowners in East Quogue, Southampton and Shinnecock Hills pay 2.04%, 2.12% and 2.16% respectively.
  • Hampton Bays, NY’s insurance is 2.2% of monthly housing costs of $2,468/month, for owners with a mortgage compared to 2.36% in East Quogue, 2.08% at Southampton & 1.84% in Shinnecock Hills. But, for households without a mortgage, insurance is 5.8% of costs ($944 in Hampton Bays, NY) in contrast with 6.45% in East Quogue, 6.1% at Southampton & 5.84% in Shinnecock Hills.

Hampton Bays, NY Home Values & Insurance rates

For example, insurance for 19 Homes (1.0% of total homes ) valued between $100,000 to $124,999 in Hampton Bays, NY is about $145. Rates in nearby areas in such as Southampton, Quogue, Westhampton are cheaper by $28, $56, $28 respectively while Flanders and Suffolk County are costlier by $57 and $29 respectively for similar homes.

Hampton Bays, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 57 5.0% $33
$50,000 to $59,999 30 2.0% $66
$70,000 to $79,999 15 1.0% $99
$100,000 to $124,999 19 1.0% $145
$150,000 to $174,999 17 1.0% $218
$175,000 to $199,999 35 3.0% $258
$250,000 to $299,999 109 10.0% $377
$300,000 to $399,999 770 72.0% $476

Renters Insurance in Hampton Bays

  • Average Renters Insurance in Hampton Bays :  $58($4/month)

  • Median Gross Rent in Hampton Bays :  $1,529

  • Hampton Bays Renters Insurance to Median Rent Ratio:  0.26%

  • Average household size of renter-occupied unit :  2.73

Hampton Bays Renters Insurance as a Percentage of Rent

Hampton Bays Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 78 5.0% $1214
$500 to $749 78 5.0% $1889
$750 to $999 129 8.0% $2639
$1,000 to $1,499 457 29.0% $3764
$1,500 or more 791 51.0% $5414

Rent Affordability in Hampton Bays:

Approximately 49.0% (780) of households are spending more than 35% of their income on gross rent in Hampton Bays

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 194 12.0%
15.0 to 19.9 percent 74 4.0%
20.0 to 24.9 percent 153 9.0%
25.0 to 29.9 percent 83 5.0%
30.0 to 34.9 percent 297 18.0%
35.0 percent or more 780 49.0%

Hampton Bays Renters Insurance Discounts:

Hampton Bays Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Hampton Bays, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 466 29.0% $5.8
2 vehicles available 658 41.0% $8.7
3 or more vehicles available 253 16.0% $11.6

Hampton Bays Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 146 9.0% $152
65 to 74 years 77 4.0% $99
75 years and over 147 9.0% $76

Protective device discount in Hampton Bays Up to :  $8

Claims-free discount in Hampton Bays Up to :  $11