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Lake Carmel, NY Home Values & Insurance Rates

Lake Carmel, NY Home By Value Total Homes % of Total Average Homeowners Insurance
$60,000 to $69,999 62 2.0% $137
$100,000 to $124,999 211 8.0% $237
$125,000 to $149,999 28 1.0% $293
$150,000 to $174,999 25 1.0% $349
$175,000 to $199,999 208 8.0% $399
$200,000 to $249,999 349 14.0% $486
$250,000 to $299,999 561 22.0% $592
$300,000 to $399,999 975 39.0% $755

Lake Carmel Renters Insurance as a Percentage of Rent

Lake Carmel Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 11 4.0% $782
$300 to $499 34 12.0% $1232
$500 to $749 40 15.0% $1907
$1,000 to $1,499 73 27.0% $3782
$1,500 or more 107 40.0% $5432

Example Lake Carmel Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceAmica Mutual Insurance Company
Monthly Premium 115225537
Year Built 197619461951
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$200000-$250000$700000-$800000
Deductible $2500-$5000 Deductible$500 Deductible$1000-$2500 Deductible

Top Home Insurance Agents Near Lake Carmel, NY

Home Insurance Company Near Lake Carmel, NY Homeowners Insurance Agency Near Lake Carmel, NY Address Distance from Lake Carmel, NY (miles)
Manzi Insurance 215 Main Street So. , Woodbury, CT, 6798 27.3
Robert Alan Agency 652 State Route 299 Ste 104A , Highland, NY, 12528 27.0
Liberty Mutual Independent Fairfield County Bank Ins Svcs Llc 118 N BEDFORD RD STE 201, MOUNT KISCO, NY, 10549 17.4
Nationwide Michael M. Buchek 240 Pomeroy Avenue STE 101, Meriden, CT, 6450 47.0
Travelers Schreiner-Blaeser Agency Corp 741 PARK AVE, HUNTINGTON, NY, 11743 43.9

Estimated Home Insurance By Street Area Near Lake Carmel, NY

Lake Carmel Area Estimated House Insurance
Mohansic Rd, Gilead Rd, Maple Trail Ct, Anna St, Rockwood Rd, Fir Trail Ct, Lincoln Dr, Huguenot Rd, Jay Ct, Lottie Rd$629
Middle Ct, Placid Rd, Barrett Hill Rd, Harriman Rd, Roslyn Rd, Dingley Rd, Robin Dr, Brewster Ave, Clarkson Rd, E Croton Dr$618
Lake Shore Dr W, Center Rd, Pelham Dr, Beaver Hill Rd, Saw Mill Rd, Wakefield Rd, Longfellow Dr, Hawthorne Rd, Hemlock Trl Ct, Sunset Hill Ct$619
Lorne Ct, Perry Trl, Horton Rd, Dunwoodie Rd, Nelson Ct, Kensico Rd, Old Clubhouse Rd, Cottage Rd, Hampton Dr, Brewster Dr$617
Byram Rd, Will Way, Homestead Dr, W Lakeshore Dr, Copake Falls Rd, Livingston Rd, Kitchawan Rd, Tilly Foster Rd, Crompton Dr, Harvard Dr$634

Lake Carmel, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Lake Carmel Homeowner Insurance Premium Example $4,400$3,400
Out of Pocket Expense During Claim$1,000$6,000
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $27,400$26,400
Net Savings to Lake Carmel Home Owner from High Deductible Plan $1,000

Lake Carmel, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lake Carmel, NY Home Replacement Value MORE than Home Value Lake Carmel, NY Home Replacement Value LESS than Home Value
Replacement Value $358,500 $243,000
Insurance Premium based on Replacement Value $3,650 $2,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $77,000 Risk Exposure from Under Insuring Coverage is $38,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $800/year