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Valley Cottage, NY Home Values & Insurance Rates

Valley Cottage, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 53 4.0% $32
$150,000 to $174,999 40 3.0% $247
$175,000 to $199,999 96 8.0% $286
$200,000 to $249,999 150 12.0% $345
$250,000 to $299,999 147 12.0% $423
$300,000 to $399,999 703 59.0% $533

Valley Cottage Renters Insurance as a Percentage of Rent

Valley Cottage Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 41 6.0% $1220
$500 to $749 19 2.0% $1895
$750 to $999 26 4.0% $2645
$1,000 to $1,499 300 46.0% $3770
$1,500 or more 259 40.0% $5420

Example Valley Cottage Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyState Farm
Monthly Premium 490328182
Year Built 196819781987
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $500000-$600000$400000-$500000$400000-$500000
Deductible $500 Deductible$2500-$5000 Deductible> $10,000 Deductible

Top Home Insurance Agents Near Valley Cottage, NY

Home Insurance Company Near Valley Cottage, NY Homeowners Insurance Agency Near Valley Cottage, NY Address Distance from Valley Cottage, NY (miles)
Charter Trade Credit, Llc 124 The Chase, Syosset, NY, 11791 31.4
Nationwide Joseph J Dimonda 3351 Park Ave, Wantagh, NY, 11793 38.0
Allstate Matthew Augugliaro 1 Schwab Rd Ste 9, Melville, NY, 11747 34.7
Travelers Merit Insurance 1 Enterprise Dr Ste 310, Shelton, CT, 6484 43.9
Liberty Mutual Independent Otterstedt Agency 540 SYLVAN AVENUE, ENGLEWOOD CLIFFS, NJ, 7632 16.0

Estimated Home Insurance By Street Area Near Valley Cottage, NY

Valley Cottage Area Estimated House Insurance
N Greenbush Rd, Gillis Ave, Mayfield St, Allegra Dr, Lakeview Ct, Country Ridge Dr, N Palisades Center Dr, Gleeful Ln, Wachs Way, Kathryn Ln$653
Joy Dr, Michigan Ct, Storms Rd, Emerald Dr, Manette Ln, Lily Ln, Edsam Rd, Gail Dr, Roosevelt Ave, Millburn Ct$654
Helene Rd, Elliott's Aly, Co Rd 13, Willow Ave, Rock Dr, Trachtenberg Ct, Sedge Rd, Oxford Dr, Ridge Dr, Pinecrest Rd$653
W Broadway, Central Ave W, E Ridge Rd, Tena Pl, Astri Ter, Mitchell Dr, Co Rd 13, Sasson Ter, Tanglewood Ct, Snake Hill Rd$655
Flint Ct, Church Ln, Columbus Ave, Christian Herald Rd, Bellview Dr, Broome Blvd, Margaret Ct, Fulle Dr, Sugarhill Rd, Carlann Ln$645

Valley Cottage, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Valley Cottage Homeowner Insurance Premium Example $5,800$5,300
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $30,000$28,500
Net Savings to Valley Cottage Home Owner from High Deductible Plan $1,500

Valley Cottage, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Valley Cottage, NY Home Replacement Value MORE than Home Value Valley Cottage, NY Home Replacement Value LESS than Home Value
Replacement Value $417,000 $308,000
Insurance Premium based on Replacement Value $3,550 $2,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $67,500 Risk Exposure from Under Insuring Coverage is $41,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $575/year