Tip 1: Compare Rates from Salisbury, NY Homeowner Insurance Providers

Compare Quotes from Top Providers and Save now!

Example Salisbury Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
Insurance Company GEICO InsuranceState FarmChubb Group of Insurance
Monthly Premium 442401376
Year Built 195519661969
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $400000-$500000$800000-$900000$500000-$600000
Deductible $500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Read Salisbury, NY Home Insurance Reviews before buying

Tip 2: Optimize Deductibles based on Salisbury, NY Home Insurance Claims

Illustrative Salisbury, NY Homeowners Insurance Savings based on sample claims & choosing high deductibles.

  • House Details: 5 Beds, 4 Baths 4620 sqft Vacation Property Constructed In 1953 Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction
  • Coverage: $1,132,000
  • Typical Salisbury, NY Claim Details: $11,400 for Water Damage filed once in 6 years
Low DeductibleHigh Deductible
Deductible$800$7,800
Yearly Salisbury Homeowner Insurance Premium Example $8,100$6,700
Out of Pocket Expense During Claim$800$7,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $49,400$48,000
Net Savings to Salisbury Home Owner from High Deductible Plan $1,400

Tip 3: Insure based on Salisbury Home Replacement Costs

Example Salisbury, NY home risks & impact of not choosing replacement value.

  • Home Near Port Ln, Choir Ln S, Dorothy Dr, Hyacinth Ct, Lace Ln, Rose Dr, Pinecone Ln, Lotus Ln, Jane Ct, Pride Ln.
  • Home Value: $413,700
  • Insurance Based on Home Value: $3,925
Scenario Woodbridge, NJ Home Replacement Value MORE than Home Value Woodbridge, NJ Home Replacement Value LESS than Home Value
Replacement Value $537,500 $293,500
Insurance Premium based on Replacement Value $5,100 $2,800
Risk Exposure from Under Insuring Coverage Risk Exposure from Under Insuring Coverage is $124,000 Unnecessary Home Insurance Coverage of $120,000
Premium Impact Insurance cheaper by $1,175/year Insurance costlier by $1,125/year

Example Salisbury, NY Home Replacement Cost Estimates

Home Located Near Square Feet Estimated Home Replacement Value
Plum Tree Rd W, Aylwood Dr, Clearmeadow Dr, Oakwood Ct, Pilgrim Ln, Friends Ln, Jeff Ct, Foster Ln, Melanie Dr, Bowling Green Dr3,100$279,000
S Melody Ln, Jerome Ct, Windsor St, Ashley Pl, Choir Ln W, Flower St, Wellington Ct, Corey Ln, Salisbury Rd, Chime Ln3,200$320,000
Legend Ln, E Cabot Ln, Level Ln, Cameo Ln, March Ln, Crystal Ln, Crown Ln, Rita Dr, Howard Dr, Hearth Ln1,700$212,500
Boelsen Dr, Regent Ct N, Mist Ln, Avis Dr, Melody Ln, Harmony Ln, Lincoln Ct, Ronni Dr, Saint Paul St, Placid Ln2,200$242,000
The Plain Rd, Park St, Fawn Ln, Lois Ct, Westley Rd, Ava Dr, Gasser Ave, Valentines Rd, Meryl Dr, Pontiac Pl3,400$340,000
Berkshire Dr, Conti Square Blvd, Palm Ln, Bailey Ave, Salisbury Rd, Carol Ln, Salisbury Park Dr, Westbury Dr, Elderberry Dr, Myron Rd2,200$220,000
Kensington Ct, Salisbury Park Dr, Highview Ave, Nelson Pl, Murray Dr, Flora Ln, Lydia Ln, Lake Ln, Demott Ct, Cowl Ln2,200$187,000
Schmitt Ct, Mellow Ln, Nancy Dr, Plum Ln, Bernard Dr, Middle Ln, Mercury St, Carman Ave Exd, Hyacinth St, Jeanna St3,500$402,500
Mark Ln, Hardy Ln, Land Ln, Jeanna Ct, S Cabot Ln, College Ln, Aster Pl N, Regent Ct S, Mirabelle Ave, Volante Pl1,300$104,000
Bette Rd, Plymouth Dr, Marion Dr, Handy Ln, Choir Ln, Birchwood Ct, Bob Reed Ln, Lilac Dr, Ralph Ct, Merillon Ave1,800$171,000