New Castle Insurance Rates:

New Castle, NY home insurance is nearly $624 to $856, about $52-$71/month. Our exhaustive guide indicates shoppers can save as much as $296 by getting multiple quotes

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New Castle Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $2930/5 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,285,000

4 Beds, 4 Baths 3180 sqft Vacation Property Constructed In 1996 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $5320/10 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $875,000

4 Beds, 4 Baths 2030 sqft Primary Residence Constructed In 1964 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1730/3 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,080,000

4 Beds, 4 Baths 2410 sqft Seasonal Residence Constructed In 1991 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 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 :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $6540/12 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,250,000

5 Beds, 5 Baths 3640 sqft Primary Residence Constructed In 1995 with Carpet Flooring, Tile Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Female who is Unemployed and has 1 Pet and is a Non-Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $2660/3 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,320,000

4 Beds, 4 Baths 2870 sqft Primary Residence Constructed In 1984 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $7020/9 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $1,110,000

5 Beds, 5 Baths 3240 sqft Seasonal Residence Constructed In 1961 with Stone Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1470/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $605,000

4 Beds, 4 Baths 1720 sqft Primary Residence Constructed In 1972 with Carpet over wood flooring, Tile Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Male 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 $7450/9 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,075,000

4 Beds, 4 Baths 3360 sqft Rental Property Constructed In 1992 with Linoleum, Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

New Castle Rates & Quotes Analysis:

New Castle Area Estimated House Insurance
Vails Ln, Quaker Rd, Creekside Ln, Attitash St, Hillcrest Cir, Spruce Ln, Gedney Park, McKesson Hill Rd, Somerstown Tpke, Old Lyme Rd$740
Hilltop Cir, Hunts Ln, Lawrence Farms Crossway, Saint Johns Pl, Oak Hill Rd, Little Lakes Rd, Colony Row, Hoag Cross Rd, Upland Dr, Longview Ln$743
Annes Wood Ln, Station Pl, Bell Hollow Rd, Hoags Cross Rd, Laurel Ln, Mayberry Ln, Pin Oak Ln, N Greeley Ave, West Pl, Vetere Pl$737
Weaver's Hill, Gregory Ln, Kittle Rd, Spring Rd, Woods End Rd, Paula Pl, Wolfs Hill Rd, Carolyn Ln, Frog Rock Rd, Conte St$759
Rambling Brook Rd, Orchard Ridge Ter, Saw Mill River Pkwy, Brandon Dr, Langeland Dr, Quaker Ln, Autumn Way, Old Bedford Rd, South Pl, Alapartus Rd$749

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,126 Homes (18% of total) built between 1960 to 1969 in New Castle are paying home insurance between $1,296-$1,307 compared to North Castle (+$12), Pound Ridge (+$17), Grand View-on-Hudson (+$26), Chappaqua (-$104) and Westchester County (-$118).
  • Bedrooms: 2,368 4 bedrooms homes (39% of total homes ) in New Castle are paying about $563 and differs from North Castle (+$5), Pound Ridge (+$7), Grand View-on-Hudson (+$11), Chappaqua (-$45) and Westchester County (-$51).
  • Auto Insurance Bundling: 1,561 Households (28% of all households) in New Castle have 3 or more vehicles available and when it is bundled with home insurance you can save $185. Discounts for similar bundling in close by locations such as Chappaqua, Westchester County, Mount Kisco come to $170, $168, $162 respectively.
  • Senior Discounts: 2,501 seniors (more than 55 years) occupied housing units (45% of total) in New Castle get discounts between $109 to $112 compared to Chappaqua ($102), Westchester County ($100), Mount Kisco ($97).
  • New Homes discounts: New homes such as the 1,781 homes built between 2000 to 2009 in New Castle can save $148 and similar new home insurance discounts in nearby towns and cities like Chappaqua, Westchester County and Mount Kisco are $136, $134 and $130 respectively.

New Castle Homeowners insurance Facts

  • New Castle, NY has 5,469 owner occupied houses which is 93.6% of all units whereas Chappaqua, Westchester County and Mount Kisco have 81.24%, 62.08% and 54.57% respectively.
  • New Castle, NY homeowners yearly insurance price at $740 is 0.08% of the typical house value of $873,600 which is in contrast with 0.12% in Chappaqua, 0.13% at Westchester County & 0.16% in Mount Kisco.
  • Homeowners in New Castle, NY pay 4.23% of their income ($15,000 to $19,999) in insurance whereas homeowners in Chappaqua, Westchester County and Mount Kisco pay 3.89%, 3.85% and 3.71% respectively.
  • New Castle, NY’s insurance is 1.5% of monthly housing costs of $4,001/month, for owners with a mortgage compared to 1.9% in Chappaqua, 1.71% at Westchester County & 1.96% in Mount Kisco. But, for households without a mortgage, insurance is 6.2% of costs ($1,001 in New Castle, NY) in contrast with 5.67% in Chappaqua, 5.6% at Westchester County & 5.76% in Mount Kisco.

New Castle, NY Home Values & Insurance rates

For example, insurance for 188 Homes (56.0% of total homes ) valued between $300,000 to $399,999 in New Castle, NY is about $296. Rates in nearby areas in such as Armonk, North Castle, Grand View-on-Hudson are cheaper by $7, $13, $25 respectively while Chappaqua and Westchester County are costlier by $112 and $141 respectively for similar homes.

New Castle, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 29 8.0% $14
$50,000 to $59,999 14 4.0% $44
$90,000 to $99,999 14 4.0% $74
$150,000 to $174,999 34 10.0% $133
$200,000 to $249,999 8 2.0% $185
$250,000 to $299,999 47 14.0% $229
$300,000 to $399,999 188 56.0% $296

Renters Insurance in New Castle

  • Median Gross Rent in New Castle :  $1,638

  • Average household size of renter-occupied unit :  2.46

New Castle Renters Insurance as a Percentage of Rent

New Castle Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 25 7.0% $1853
$750 to $999 28 7.0% $2603
$1,000 to $1,499 109 31.0% $3728
$1,500 or more 189 53.0% $5378

Rent Affordability in New Castle:

Approximately 41.0% (155) of households are spending more than 35% of their income on gross rent in New Castle

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 47 12.0%
15.0 to 19.9 percent 25 6.0%
20.0 to 24.9 percent 41 10.0%
25.0 to 29.9 percent 42 11.0%
30.0 to 34.9 percent 67 17.0%
35.0 percent or more 155 41.0%

New Castle Renters Insurance Discounts:

New Castle Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in New Castle, NY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 174 46.0% NA
2 vehicles available 159 42.0% NA
3 or more vehicles available 26 6.0% NA