Valley Cottage Insurance Rates:

Valley Cottage, NY home insurance is nearly $551 to $751, about $45-$62/month. Our all inclusive research reveals consumers can save as much as $260 by comparing many quotes

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Valley Cottage Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $1760/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 1640 sqft Seasonal Residence Constructed In 1963 with Hardwood Flooring, Composition Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $5440/10 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $670,000

4 Beds, 4 Baths 2970 sqft Rental Property Constructed In 1981 with Linoleum, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1280/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Bath 1410 sqft Vacation Property Constructed In 1976 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $170/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

2 Beds, 2 Bath 1030 sqft Seasonal Residence Constructed In 1965 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $4160/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

4 Beds, 4 Baths 2390 sqft Rental Property Constructed In 1970 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $800/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $525,000

5 Beds, 5 Baths 2780 sqft Vacation Property Constructed In 1975 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1270/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $520,000

4 Beds, 4 Baths 2550 sqft Primary Residence Constructed In 1973 with Carpet over wood flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single 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 Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2790/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $435,000

4 Beds, 4 Bath 2570 sqft Seasonal Residence Constructed In 1972 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Single 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 Non-Smoker

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

  • 500-549 Credit Score

Valley Cottage, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
10989 $426,800 $660

Valley Cottage Rates & Quotes Analysis:

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

Insurance rates are influenced by a number of factors including:

  • Year Built: 805 Homes (22% of total) built between 1960 to 1969 in Valley Cottage are paying home insurance between $1,139-$1,149 compared to Clarkstown (+$16), Upper Nyack (+$64), Bardonia (+$42), Spring Valley (-$46) and West Haverstraw (-$37).
  • Bedrooms: 989 4 bedrooms homes (27% of total homes ) in Valley Cottage are paying about $495 in contrast with Clarkstown (+$7), Upper Nyack (+$28), Bardonia (+$18), Hillcrest (-$4) and Spring Valley (-$14).
  • Auto Insurance Bundling: 1,287 Households (45% of all households) in Valley Cottage have 2 vehicles available and when it is bundled with home insurance you can save $130 and varies from Clarkstown ($132), Upper Nyack ($137), Bardonia ($135).
  • Senior Discounts: 1,506 seniors (more than 55 years) occupied housing units (53% of total) in Valley Cottage get discounts between $97 to $100 and varies from Clarkstown ($99), Upper Nyack ($103), Bardonia ($101).
  • New Homes discounts: New homes such as the 950 homes built between 2000 to 2009 in Valley Cottage can save $130 and similar new home insurance discounts in nearby towns and cities like Clarkstown, Upper Nyack and Bardonia are $132, $137 and $135 respectively.

Valley Cottage Homeowners insurance Facts

  • Valley Cottage, NY has 2,801 owner occupied houses which is 81.0% of all units whereas Clarkstown, Upper Nyack and Bardonia have 79.76%, 88.34% and 87.07% respectively.
  • Valley Cottage, NY homeowners yearly insurance price at $651 is 0.15% of the typical house value of $423,400 which is in contrast with 0.14% in Clarkstown, 0.11% at Upper Nyack & 0.12% in Bardonia.
  • Homeowners in Valley Cottage, NY pay 3.72% of their income ($15,000 to $19,999) in insurance whereas homeowners in Clarkstown, Upper Nyack and Bardonia pay 3.77%, 3.93% and 3.86% respectively.
  • Valley Cottage, NY’s insurance is 1.9% of monthly housing costs of $2,853/month, for owners with a mortgage compared to 1.79% in Clarkstown, 1.68% at Upper Nyack & 1.6% in Bardonia. But, for households without a mortgage, insurance is 5.6% of costs ($971 in Valley Cottage, NY) in contrast with 5.49% in Clarkstown, 5.72% at Upper Nyack & 5.62% in Bardonia.

Valley Cottage, NY Home Values & Insurance rates

For example, insurance for 147 Homes (12.0% of total homes ) valued between $250,000 to $299,999 in Valley Cottage, NY is about $423. Rates in nearby areas in such as Clarkstown, Bardonia, West Nyack are cheaper by $41, $86, $40 respectively while Nanuet and Hillcrest are costlier by $5 and $22 respectively for similar homes.

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

Renters Insurance in Valley Cottage

  • Average Renters Insurance in Valley Cottage :  $80($6/month)

  • Median Gross Rent in Valley Cottage :  $1,435

  • Valley Cottage Renters Insurance to Median Rent Ratio:  0.42%

  • Average household size of renter-occupied unit :  2.1

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

Protective device discount in Valley Cottage Up to :  $12

Claims-free discount in Valley Cottage Up to :  $16