New Rochelle Insurance Rates:

New Rochelle, NY home insurance is roughly $578 to $784, about $48-$65/month. Our thorough guide reveals consumers can save as much as $272 by comparing different quotes

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New Rochelle Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $2890/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $485,000

3 Beds, 3 Bath 2200 sqft Primary Residence Constructed In 1943 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $320/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $560,000

4 Beds, 4 Baths 1910 sqft Seasonal Residence Constructed In 1960 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $190/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $390,000

3 Beds, 3 Baths 1350 sqft Rental Property Constructed In 1949 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $2140/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $385,000

2 Beds, 2 Bath 1650 sqft Rental Property Constructed In 1961 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $5080/10 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $750,000

5 Beds, 5 Bath 3200 sqft Vacation Property Constructed In 1940 with Carpet Flooring, Composition Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1560/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $585,000

4 Beds, 4 Baths 2280 sqft Rental Property Constructed In 1941 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2070/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $555,000

4 Beds, 4 Bath 2560 sqft Primary Residence Constructed In 1966 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $7180/12 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,165,000

5 Beds, 5 Bath 4110 sqft Rental Property Constructed In 1941 with Hardwood Flooring, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $2010/3 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $665,000

4 Beds, 4 Bath 2600 sqft Primary Residence Constructed In 1966 with Wood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $1100/5 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $355,000

2 Beds, 2 Baths 1191 sqft Rental Property Constructed In 1936 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

New Rochelle, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
10804 $695,200 $720
10801 $491,900 $680
10805 $331,700 $650

New Rochelle Rates & Quotes Analysis:

New Rochelle Area Estimated House Insurance
Rodman Oval, Stuart Dr, Lispenard Ave, Sickles Pl, Water St, Field Ave, Fountain Pl, Avis Dr, May St, Mildred Pkwy$662
Kensington Oval, Sussex Rd, Malvern Ln, Portnellan Ave, Clove Rd, Horton Ave, Ronbru Dr, Merton St, Garden Walk, Westchester Pl$683
Watkins Pl, Erroll Pl, Bonnie Meadow Rd, Garden St, Mount Tom Rd, Sunhaven Dr, Potter Ave, Hutchinson Blvd, Robert Dr, Lyons Pl$675
Briar Cir, Anderson St, Risley Pl, Portman Ave, Spencer Dr, Glen Pl, Poplar Rd, Eastchester Rd, Puritan Dr, Willow Dr$736
Flower St, Ranger Pl, Brookdale Cir, Rugby Rd, Beechwood Ave, Whitewood Ave, Weyman Ave, Interlaken Ave, Donald Dr, Mount Etna Pl$634

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,368 Homes (11% of total) built between 1960 to 1969 in New Rochelle are paying home insurance between $1,192-$1,202 and differs from Larchmont (+$147), Mamaroneck (+$73), Pelham (+$43), Mount Vernon (-$57) and Yonkers (-$55).
  • Bedrooms: 6,517 3 bedrooms homes (22% of total homes ) in New Rochelle are paying about $314. Areas near to New Rochelle such as Larchmont, Mamaroneck, Pelham are costlier by $38, $19, $11 respectively whereas Mount Vernon and Bronx are more economical by $15, $18 respectively for similar homes.
  • Auto Insurance Bundling: 2,724 Households (19% of all households) in New Rochelle have 3 or more vehicles available and when it is bundled with home insurance you can save $170 compared to Larchmont ($191), Mamaroneck ($180), Pelham ($176).
  • Senior Discounts: 7,368 seniors (more than 55 years) occupied housing units (52% of total) in New Rochelle get discounts between $101 to $104. The comparative concessions in proximate regions such as Larchmont, Mamaroneck and Pelham are $114, $108 and $105 respectively.
  • New Homes discounts: New homes such as the 8,654 homes built between 2000 to 2009 in New Rochelle can save $136 and similar new home insurance discounts in nearby towns and cities like Larchmont, Mamaroneck and Pelham are $153, $144 and $141 respectively.

New Rochelle Homeowners insurance Facts

  • New Rochelle, NY has 14,093 owner occupied houses which is 50% of all units whereas Larchmont, Mamaroneck and Pelham have 76.95%, 71.66% and 79.88% respectively.
  • New Rochelle, NY homeowners yearly insurance price at $681 is 0.12% of the typical house value of $574,500 which is in contrast with 0.08% in Larchmont, 0.09% at Mamaroneck & 0.1% in Pelham.
  • Homeowners in New Rochelle, NY pay 0.91% of their income ($75,000 or more) in insurance whereas homeowners in Larchmont, Mamaroneck and Pelham pay 1.02%, 0.96% and 0.94% respectively.
  • New Rochelle, NY’s insurance is 1.7% of monthly housing costs of $3,354/month, for owners with a mortgage compared to 1.59% in Larchmont, 1.51% at Mamaroneck & 1.47% in Pelham. But, for households without a mortgage, insurance is 5.7% of costs ($1,001 in New Rochelle, NY) in contrast with 6.37% in Larchmont, 6.02% at Mamaroneck & 5.88% in Pelham.

New Rochelle, NY Home Values & Insurance rates

For example, insurance for 100 Homes (2.0% of total homes ) valued between Less than $50,000 in New Rochelle, NY is about $27. Rates in nearby areas in such as Larchmont, Mamaroneck, Pelham are cheaper by $12, $6, $6 respectively while Mount Vernon and Yonkers are costlier by $11 and $12 respectively for similar homes.

New Rochelle, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 100 2.0% $27
$70,000 to $79,999 78 1.0% $88
$80,000 to $89,999 42 1.0% $95
$100,000 to $124,999 240 5.0% $129
$125,000 to $149,999 245 6.0% $156
$150,000 to $174,999 551 13.0% $190
$175,000 to $199,999 320 7.0% $217
$200,000 to $249,999 663 16.0% $265
$250,000 to $299,999 460 11.0% $320
$300,000 to $399,999 1,254 31.0% $408

Renters Insurance in New Rochelle

  • Average Renters Insurance in New Rochelle :  $23($1/month)

  • Median Gross Rent in New Rochelle :  $1,280

  • New Rochelle Renters Insurance to Median Rent Ratio:  0.08%

  • Average household size of renter-occupied unit :  2.46

New Rochelle Renters Insurance as a Percentage of Rent

New Rochelle Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 152 1.0% $305
$200 to $299 549 4.0% $755
$300 to $499 709 5.0% $1205
$500 to $749 961 7.0% $1880
$750 to $999 1,423 10.0% $2630
$1,000 to $1,499 5,593 40.0% $3755
$1,500 or more 4,295 31.0% $5405

Protective device discount in New Rochelle Up to :  $3

Claims-free discount in New Rochelle Up to :  $4