Mount Vernon Insurance Rates:

Mount Vernon, NY home insurance is approximately $550 to $746, about $45-$62/month. Our extensive guide indicates shoppers can save as much as $259 by getting many quotes

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Mount Vernon Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1660/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 910 sqft Rental Property Constructed In 1943 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $2030/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

2 Beds, 2 Bath 1540 sqft Vacation Property Constructed In 1957 with Linoleum, Wood Shake Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $385,000

3 Beds, 3 Bath 2310 sqft Rental Property Constructed In 1967 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1730/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

3 Beds, 3 Bath 1590 sqft Vacation Property Constructed In 1958 with Wood Flooring, Composition Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Male 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 Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1200/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

2 Beds, 2 Bath 1670 sqft Rental Property Constructed In 1944 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1330/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 1340 sqft Primary Residence Constructed In 1950 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1130/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

2 Beds, 2 Bath 1370 sqft Seasonal Residence Constructed In 1943 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3130/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

4 Beds, 4 Baths 2420 sqft Seasonal Residence Constructed In 1953 with Linoleum, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married 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 :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1230/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Baths 1460 sqft Primary Residence Constructed In 1966 with Hardwood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Mount Vernon, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
10553 $416,400 $660
10550 $409,300 $660
10552 $399,600 $650

Mount Vernon Rates & Quotes Analysis:

Mount Vernon Area Estimated House Insurance
Millington St, Devonia Ave E, Seton Ave, W Devonia Ave, Collins Ave, N 7th Ave, N 9th Ave, N West St, Rich Ave, Vernon Pkwy$649
Bedford Ave, Duryea Ave, Cedar Ave, S 14th Ave, S 13th Ave, la Porte Ave, Dock St, S 12th Ave, S 12th Ave, Palo Alto Pl$642
4th Ave, Huntwood Pl, Berg St, S Columbus Ave, Portugal Pl, Wilson Block, Crary Ave, Oakledge Rd, Oakley Ave, Parkway E$685
Trinity Pl E, Mundy Ln, S 13th Ave, Morrison Pl, Lorraine Ter, W Grand St, Ellwood Ave, Darwood Pl, Mundy Ln, E 2nd St$636
Pondfield Pkwy, Wartburg Pl, Primrose Ave, Southfield Rd, Cooley Pl, Labelle Rd, Pathmark Plz, S Columbus Ave, Station Pl, Greendale Ave$658

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,865 Homes (36% of total) built between 1939 or earlier in Mount Vernon are paying home insurance between $1,387-$1,396 and differs from Pelham (+$121), Bronxville (+$214), Pelham Manor (+$152), Bronx (-$13) and Hartsdale (-$19).
  • Bedrooms: 8,945 2 bedrooms homes (31% of total homes ) in Mount Vernon are paying about $234 and varies from Pelham (+$21), Bronxville (+$36), Pelham Manor (+$26).
  • Auto Insurance Bundling: 3,333 Households (33% of all households) in Mount Vernon have 2 vehicles available and when it is bundled with home insurance you can save $129. Discounts for similar bundling in close by locations such as Pelham, Bronxville, Pelham Manor come to $141, $149, $144 respectively.
  • Senior Discounts: 5,023 seniors (more than 55 years) occupied housing units (51% of total) in Mount Vernon get discounts between $96 to $99. The comparative concessions in proximate regions such as Pelham, Bronxville and Pelham Manor are $105, $112 and $108 respectively.
  • New Homes discounts: New homes such as the 6,874 homes built between 2000 to 2009 in Mount Vernon can save $129 in contrast with Pelham ($141), Bronxville ($149), Pelham Manor ($144).

Mount Vernon Homeowners insurance Facts

  • Mount Vernon, NY has 9,848 owner occupied houses which is 38% of all units whereas Pelham, Bronxville and Pelham Manor have 79.88%, 77.56% and 95.96% respectively.
  • Mount Vernon, NY homeowners yearly insurance price at $648 is 0.16% of the typical house value of $407,700 which is in contrast with 0.1% in Pelham, 0.08% at Bronxville & 0.09% in Pelham Manor.
  • Homeowners in Mount Vernon, NY pay 0.96% of their income ($60,000 to $74,999) in insurance whereas homeowners in Pelham, Bronxville and Pelham Manor pay 1.05%, 1.11% and 1.07% respectively.
  • Mount Vernon, NY’s insurance is 2.0% of monthly housing costs of $2,739/month, for owners with a mortgage compared to 1.47% in Pelham, 1.56% at Bronxville & 1.5% in Pelham Manor. But, for households without a mortgage, insurance is 5.4% of costs ($1,001 in Mount Vernon, NY) in contrast with 5.88% in Pelham, 6.23% at Bronxville & 5.99% in Pelham Manor.

Mount Vernon, NY Home Values & Insurance rates

For example, insurance for 135 Homes (2.0% of total homes ) valued between $60,000 to $69,999 in Mount Vernon, NY is about $97. Rates in nearby areas in such as Hastings-on-Hudson, Greenburgh, Great Neck are cheaper by $34, $23, $40 respectively while Bronx and Bronx County are costlier by $12 and $12 respectively for similar homes.

Mount Vernon, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 107 2.0% $38
$60,000 to $69,999 135 2.0% $97
$70,000 to $79,999 118 2.0% $116
$80,000 to $89,999 155 3.0% $129
$90,000 to $99,999 215 4.0% $149
$100,000 to $124,999 395 8.0% $168
$125,000 to $149,999 206 4.0% $213
$150,000 to $174,999 337 7.0% $252
$175,000 to $199,999 296 6.0% $291
$200,000 to $249,999 488 10.0% $356
$250,000 to $299,999 414 8.0% $434
$300,000 to $399,999 1,804 38.0% $550

Renters Insurance in Mount Vernon

  • Average Renters Insurance in Mount Vernon :  $86($7/month)

  • Median Gross Rent in Mount Vernon :  $1,147

  • Mount Vernon Renters Insurance to Median Rent Ratio:  0.61%

  • Renter occupied housing units in Mount Vernon :  16,071

Mount Vernon Renters Insurance as a Percentage of Rent

Mount Vernon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 296 1.0% $771
$300 to $499 802 5.0% $1221
$500 to $749 1,408 8.0% $1896
$750 to $999 3,281 20.0% $2646
$1,000 to $1,499 6,834 43.0% $3771
$1,500 or more 3,160 20.0% $5421

Protective device discount in Mount Vernon Up to :  $12

Claims-free discount in Mount Vernon Up to :  $17