Yonkers Insurance Rates:

Yonkers, NY home insurance is about $551 to $748, about $45-$62/month. Our complete guide shows customers can save as much as $260 by getting multiple quotes

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Yonkers Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $2690/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Bath 1510 sqft Rental Property Constructed In 1978 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $3490/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $630,000

4 Beds, 4 Bath 2580 sqft Rental Property Constructed In 1969 with Wood Flooring, Membrane Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1390/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $300,000

3 Beds, 3 Baths 1740 sqft Vacation Property Constructed In 1940 with Stone Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced 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

  • 800-850 Credit Score

Home Insurance Rate of $640/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1110 sqft Vacation Property Constructed In 1959 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Female who is Unemployed and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1360/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

2 Beds, 2 Bath 1300 sqft Rental Property Constructed In 1954 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $4500/8 months for $700,000-$800,000 Coverage
Policy Holder Home Details :

Home Value : $680,000

3 Beds, 3 Baths 1929 sqft Rental Property Constructed In 1961 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Yonkers, NY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
10710 $439,400 $660
10705 $423,100 $650
10704 $420,000 $650
10703 $397,000 $650
10701 $380,200 $660

Yonkers Rates & Quotes Analysis:

Yonkers Area Estimated House Insurance
Culver St, Raymond Pl, Elinor Pl, Bellevue Pl, Undercliff St, Juana St, Beechwood Ter, Enterprise Blvd, Hancock Ave, Bayley Ave$635
Lamar Pl, Colonial Pkwy, Lasalle Dr, Eastwind Rd, Pelton St, Hart Ave, Wellyn Rd, Essex Pl, Park View Ave, McArthur Ave$611
Hilltop Acres, Fairview St, George St, Overcliff St, Bashford St, Malvern Rd, Ashton Rd, Cassilis Ave, Cambridge Ave, Kenmore St$694
Bogert Pl, Caroline Ave, Bronxville Rd, Grosbeak Rd, Odell Plz, Hudson View Dr, Rider Ave, Knowles St, Dickinson Ave, Rossmore Ave$649
Spafford Ave, Frederick St, Blackford Ave, Yonkers Ter, Fernbrook St, Wainwright Ave, Colin St, Columbus Pl, Primrose Ave, Altonwood Pl$683
Rudolph Ter, Clubway Cir, Vredenburgh Ave, Father Finian Sullivan Dr, Dorset Rd, Caryl Ave, Lindsey St, Nelson St, Abbott St, Dartmouth Ave$663
Allen Ave, Middleboro Dr, Hudsonview Ter, Trausneck Pl, Lane St, Healey Pl, Bristol Pl, S Waverly St, Langdon Ter, Birch Brook Rd$662
Calmet Pl, Morsemere Pl, Larrimore Rd, Morris St, Gunther Ave, Xavier Dr, Philipse Rd, Robley St, Prospect Ter, Woodrow Dr$646
Onondaga St, Patton Dr, Longvale Rd, Morningside Pl, Travers Ave, Convent Ave, Delaware Rd, Carroll St, Cowles Ave, Crisfield St$658
Executive Blvd, Valley Ave, Morsemere Ave, Elliott Ave, Castle St, Wolffe St, Treadwell Pl, Henderson Ave, College Pl, Staunton St$673

Insurance rates are influenced by a number of factors including:

  • Year Built: 27,001 Homes (33% of total) built between 1939 or earlier in Yonkers are paying home insurance between $1,389-$1,399 and differs from Bronxville (+$212), Tuckahoe (+$60), Eastchester (+$69), Hartsdale (-$21) and Bronx (-$15).
  • Bedrooms: 21,707 1 bedroom homes (28% of total homes ) in Yonkers are paying about $228 compared to Bronxville (+$34), Tuckahoe (+$9), Eastchester (+$11), Hartsdale (-$4) and Spring Valley (-$9).
  • Auto Insurance Bundling: 11,618 Households (33% of all households) in Yonkers have 2 vehicles available and when it is bundled with home insurance you can save $130 and varies from Bronxville ($149), Tuckahoe ($135), Eastchester ($136).
  • Senior Discounts: 19,361 seniors (more than 55 years) occupied housing units (55% of total) in Yonkers get discounts between $97 to $99 and varies from Bronxville ($112), Tuckahoe ($101), Eastchester ($102).
  • New Homes discounts: New homes such as the 21,945 homes built between 2000 to 2009 in Yonkers can save $130 and differs from Bronxville ($149), Tuckahoe ($135), Eastchester ($136).

Yonkers Homeowners insurance Facts

  • Yonkers, NY has 34,626 owner occupied houses which is 47.0% of all units whereas Bronxville, Tuckahoe and Eastchester have 77.56%, 55.81% and 75.68% respectively.
  • Yonkers, NY homeowners yearly insurance price at $650 is 0.16% of the typical house value of $416,000 which is in contrast with 0.08% in Bronxville, 0.12% at Tuckahoe & 0.12% in Eastchester.
  • Homeowners in Yonkers, NY pay 2.36% of their income ($25,000 to $29,999) in insurance whereas homeowners in Bronxville, Eastchester and Hastings-on-Hudson pay 2.72%, 2.48% and 2.55% respectively.
  • Yonkers, NY’s insurance is 2.1% of monthly housing costs of $2,542/month, for owners with a mortgage compared to 1.56% in Bronxville, 1.77% at Tuckahoe & 1.65% in Eastchester. But, for households without a mortgage, insurance is 5.4% of costs ($1,001 in Yonkers, NY) in contrast with 6.23% in Bronxville, 5.64% at Tuckahoe & 5.68% in Eastchester.

Yonkers, NY Home Values & Insurance rates

For example, insurance for 1,208 Homes (7.0% of total homes ) valued between $125,000 to $149,999 in Yonkers, NY is about $214. Rates in nearby areas in such as Bronxville, Tuckahoe, Eastchester are cheaper by $102, $52, $58 respectively while Hartsdale and Dumont are costlier by $22 and $100 respectively for similar homes.

Yonkers, NY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 554 3.0% $39
$50,000 to $59,999 244 1.0% $78
$70,000 to $79,999 231 1.0% $117
$80,000 to $89,999 441 2.0% $130
$90,000 to $99,999 268 1.0% $143
$100,000 to $124,999 1,472 9.0% $169
$125,000 to $149,999 1,208 7.0% $214
$150,000 to $174,999 1,720 10.0% $253
$175,000 to $199,999 1,052 6.0% $292
$200,000 to $249,999 2,208 13.0% $351
$250,000 to $299,999 2,048 12.0% $429
$300,000 to $399,999 4,683 28.0% $546

Renters Insurance in Yonkers

  • Average Renters Insurance in Yonkers :  $82($6/month)

  • Median Gross Rent in Yonkers :  $1,160

  • Yonkers Renters Insurance to Median Rent Ratio:  0.52%

  • Average household size of renter-occupied unit :  2.58

Yonkers Renters Insurance as a Percentage of Rent

Yonkers Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,552 4.0% $770
$300 to $499 1,930 5.0% $1220
$500 to $749 3,189 8.0% $1895
$750 to $999 6,467 17.0% $2645
$1,000 to $1,499 15,051 39.0% $3770
$1,500 or more 9,368 24.0% $5420

Protective device discount in Yonkers Up to :  $12

Claims-free discount in Yonkers Up to :  $16