Central Islip Insurance Rates:

Central Islip, NY homeowners insurance is about $531 to $720, about $44-$60/month. Our complete research indicates shoppers can save as much as $250 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aaa
in that they offer serviecs to cove all my items in the house. They are a bit pricier than others that I did view.
Homesite Insurance
Homesite was fast to order from and worked with the mortgage company seamlessly. the actual process of ordering probably took me less than ten minutes which is far less than the time it took with my previous insurers
Usaa
I have not had much experience with my home insurance company. My hone was purchased two years ago and we have not had and issue that has required us to contact the insurance company.
State Farm
I would recommend this insurance to all of my friends. I am confident that they would provide good quality service and a great product.
Geico
The premium we had a choice to pay a whole sum or to break it down over time. They also have just added it to our house payment. the deductable is very low too only $250.
State Farm
I do feel confident with the longevity of the company and would recommend this company for insurance. The reputation of the company, in my opinion is good as well.
Allstate
Our home insurance company policy offers, dwelling, other structures, personal property and liability. We have been with them for a very long time so I haven't looked at any other options. My family had them and recommended them.
Farmer's Insurance
The company is very good because it has very positive things especially the presence of workers
Geico
Product wise Geico offers a substantial coverage amount. The costs are relative to normal market values. The coverages are very easy to understand and very thorough
Usaa
I would recommend this company to other renters because they allow you to pay directly through your renter portal on your Rental Management Company's website.
Allstate
Allstate is a company that makes it easy to get the policy that you want and need for great protection. there's several policies to choose from and you can get free estimates to learn the cost of each of the policies. allstate is friendly, professional, and knowledgeable, and always seems to be focused on providing the customer with exceptional support and service. and, the costs of homeowners insurance with allstate is great, and it is easy to learn that information firsthand by simply requesting estimates and using them to compare rates with several companies.
Farmer's Insurance
My insurance agent with farmers is always available to take my calls and doesn't mind when i just pop into his office to drop off payment.
Usaa
I don't have any information re other insurance companies. But I believe mine is competitive.
Arrow Financial Corporation
The premium is great. It has consistently been the lowest premium I was quoted every time I shop around. I have shopped around every year the premium comes up and they are almost always twice as high as what I have now.
Metlife
I think they do a good job of communicating to me. They respond to my questions in a timely manner.
Usaa
The premium that I pay for insuring my home is likely about the same as I would pay another company. The largest portion is for wind damage due to hurricanes, a sad fact of life here in Florida.
Travelers
I would definetely recommend them. They have great rates and the premium stays consistent

Central Islip, NY Homeowners Insurance By Home Value

Central Islip, NY Home Value Total Homes % of Total Average Central Islip, NY Homeowners Insurance
$100,000 to $124,999 85 1.0% $231
$125,000 to $149,999 72 1.0% $287
$150,000 to $174,999 200 3.0% $343
$175,000 to $199,999 327 5.0% $400
$200,000 to $249,999 1,297 21.0% $475
$250,000 to $299,999 1,498 24.0% $587
$300,000 to $399,999 2,558 41.0% $743

Top Home Insurance Agents Near Central Islip, NY

Home Insurance Company Near Central Islip, NY Homeowners Insurance Agency Near Central Islip, NY Address
NA Erich-Courant & Company 25 E Spring Valley Ave 25 E Spring Valley Ave, Maywood, NJ, 7607
NA Cornerstone Insurance Agency Of Ny, Inc 214 - 11 Northern Blvd, #202 Bayside, NYC, NY, 11361
State Farm Hilda Porrata-Doria 966 State St, New Haven, CT, 06511-3945
State Farm Maria Ordonez 9 Padanaram Rd, Danbury, CT, 06811-4834
Allstate Nicholas Arcella 286 N Franklin St, Hempstead, NY, 11550

Central Islip, NY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Central Islip, NY

Streets in Central Islip Area Homeowners Insurance Cost
Ridge Ave, Palermo St, Hackmatac St, Pineville Rd, Fairlawn Dr, Allyn Ln, Hoppen Dr, McGrath St, Belt Dr S, E Maple St$631
Greenlawn Ave, Irving St, Belt Dr E, E Beech St, Nicoll Ave, Cocoanut St, Peach St, Maple Wing Blvd, Kelly Ave, E Cedar St$618
Pinetop Dr, Brightside Ave, Saint Johns St, Lemon St, Okane St, Gregory Ln, McFarland Ave, Branch Ave, Ash St, Whitetail Ln$624
E Locust St, Storey Ave, Palmetto St, Springfield Cir, Yalta Dr, Earle St, Creative Dr, Bushwick Ave, Bark Ave, E Sycamore St$612
W Suffolk Ave, Clayton St, Broadlawn Dr, Kirkland Ct, Pineview Blvd, Dolores Pl, Bridger Blvd, Federal Plz, Blydenburghs Rd, Roma Ave$626

Central Islip, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Central Islip$93 to $96
Islandia$94
Islip Terrace$96
Hauppauge$99

Central Islip, NY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Islandia village, New York $79 $105 $158
Islip Terrace CDP, New York $80 $107 $160
North Great River CDP, New York $80 $107 $160

Central Islip, NY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Central Islip, NY2.0%5.6%
Islandia1.81%5.26%
Islip Terrace1.67%5.34%
North Great River1.85%5.35%

Central Islip Renters Insurance as a Percentage of Rent

Central Islip Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 103 3.0% $332
$200 to $299 176 6.0% $782
$300 to $499 114 3.0% $1232
$500 to $749 128 4.0% $1907
$750 to $999 374 12.0% $2657
$1,000 to $1,499 812 28.0% $3782
$1,500 or more 1,184 40.0% $5432

Central Islip, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$4,400
Yearly Central Islip Homeowner Insurance Premium Example $1,900$1,300
Out of Pocket Expense During Claim$1,400$4,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $16,600$14,800
Net Savings to Central Islip Home Owner from High Deductible Plan $1,800

Central Islip, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Central Islip, NY Home Replacement Value MORE than Home Value Central Islip, NY Home Replacement Value LESS than Home Value
Replacement Value $362,500 $255,000
Insurance Premium based on Replacement Value $3,925 $2,750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $52,000 Risk Exposure from Under Insuring Coverage is $55,500
Premium Impact Insurance cheaper by $600/year Insurance costlier by $575/year

Example Central Islip Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceNationwide InsuranceAllstate
Monthly Premium 262450458
Year Built 197320001960
Home Details 3 Beds, 2 Baths5 Beds, 3 Baths4 Beds, 2 Baths
Coverage Amount $300000-$350000$500000-$600000$500000-$600000
Deductible $500 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Central Islip, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 505,000 Tile Roof 3,840 5 $2500-$5000 Deductible 1110 5 Fiber-Cement Siding yes
1981 175,000 Metal Roof 1,230 2 $500 Deductible 1320 12 Fiber-Cement Siding yes
1965 310,000 Metal Roof 1,750 2 $5000 to $10,000 Deductible 100 1 Fiber-Cement Siding yes
1960 295,000 Membrane Roof 1,660 4 $1000-$2500 Deductible 600 3 Brick siding yes
2006 470,000 Metal Roof 3,020 5 $1000-$2500 Deductible 840 3 Brick siding No
1975 330,000 Composition Roof 2,160 4 $5000 to $10,000 Deductible 500 3 Wood siding yes
1974 265,000 Tile Roof 1,600 2 $2500-$5000 Deductible 1230 9 Brick siding yes
1984 215,000 Shingles Roof 1,350 2 $2500-$5000 Deductible 310 2 Vinyl siding No
1975 310,000 Wood Shake Roof 1,780 5 $2500-$5000 Deductible 790 5 Fiber-Cement Siding yes
1972 275,000 Asphalt Shingles Roof 1,720 3 $500- $1000 Deductible 2110 12 Vinyl siding No
1979 235,000 Membrane Roof 1,310 2 $1000-$2500 Deductible 810 5 Vinyl siding yes
1985 415,000 Composition Roof 2,870 5 $500- $1000 Deductible 1700 5 Vinyl siding yes
1967 205,000 Wood Shake Roof 1,670 3 $2500-$5000 Deductible 130 1 Fiber-Cement Siding yes
1988 405,000 Metal Roof 2,490 5 $500- $1000 Deductible 2320 7 Brick siding yes
1977 495,000 Asphalt Shingles Roof 3,700 5 $2500-$5000 Deductible 2560 9 Wood siding No
1964 315,000 Shingles Roof 1,930 3 $500- $1000 Deductible 3350 12 Stone Siding No
1981 250,000 Shingles Roof 1,620 4 $2500-$5000 Deductible 880 6 Stucco siding No
1985 440,000 Metal Roof 3,460 5 $500- $1000 Deductible 2880 12 Brick siding No
1961 325,000 Tile Roof 2,230 4 > $10,000 Deductible 1520 10 Stucco siding yes
1962 420,000 Asphalt Shingles Roof 2,580 5 $5000 to $10,000 Deductible 1380 7 Stone Siding No
2006 250,000 Asphalt Shingles Roof 1,760 5 $2500-$5000 Deductible 680 4 Stone Siding yes
1982 230,000 Slate Shingles Roof 1,730 2 $1000-$2500 Deductible 1190 7 Wood siding No
2004 540,000 Asphalt Shingles Roof 3,260 4 $5000 to $10,000 Deductible 3190 9 Vinyl siding No
1974 715,000 Shingles Roof 4,350 5 $500- $1000 Deductible 580 1 Vinyl siding No
1966 230,000 Shingles Roof 1,310 2 $5000 to $10,000 Deductible 580 6 Stone Siding yes
1975 195,000 Composition Roof 1,620 2 $1000-$2500 Deductible 1530 9 Brick siding No
1973 225,000 Tile Roof 1,270 3 $2500-$5000 Deductible 460 4 Fiber-Cement Siding yes
1983 235,000 Tile Roof 1,600 4 > $10,000 Deductible 310 4 Vinyl siding yes
1977 235,000 Asphalt Shingles Roof 1,410 3 > $10,000 Deductible 90 1 Stone Siding yes
1979 335,000 Slate Shingles Roof 2,020 3 $500 Deductible 220 1 Brick siding yes
2006 640,000 Tile Roof 3,690 5 $500- $1000 Deductible 5080 9 Stucco siding yes
2009 210,000 Metal Roof 1,410 2 $2500-$5000 Deductible 1300 9 Fiber-Cement Siding No
1983 545,000 Membrane Roof 3,120 4 $500- $1000 Deductible 490 1 Brick siding yes
1985 230,000 Membrane Roof 1,320 2 > $10,000 Deductible 980 9 Vinyl siding yes

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