Elmont Insurance Rates:
Elmont, NY homeowners insurance is roughly $547 to $742, about $45-$61/month. Our thorough research reveals consumers can save as much as $258 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
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Latest Home Insurance Reviews
Usaa
I like that our insurance company is available seven days a week for any questions or concerns we may have regarding our insurance needs or issues.
Farmer's Insurance
Something else i dislike about my insurance company is that one year, they didn't renew my coverage and never notified me. my insurance gets paid through escrow, so i don't make direct payments to farmers. one day, farmers didn't automatically renew my coverage and i was left without insurance for a few days until the situation got resolved.
Farmer's Insurance
I like that i receive monthly newsletter emails reminding me about certain aspects of my coverage or interesting articles related to being a homeowner.
Ameriprise Financial
I find it does not matter if I communicate with my local agent or have to converse with the corporate office, the result is the same. On time, excellent and accurate communication from state farm.
State Farm
I think we have good coverage for the price. We just purchased a new car so we have to have full coverage. Being that the home and car are bundled, the premium has gone up this year.
Usaa
I was very satisfied with the communication between USAA and me about the home insurance policy. They answered every question I had.
Narragansett Bay Insurance Company
I find the website to be sufficient for information. However, I cannot chat online and that would be the real benefit when I need information and I am at work. It would be helpful if I could chat rather than call on the phone when I am working.
State Farm
Seems like its fair compared to the competition. I've shopped around a bit here and there and never found anything that was worth replacing it on a whole.
Elmont, NY Homeowners Insurance By Home Value
| Elmont, NY Home Value |
Total Homes |
% of Total |
Average Elmont, NY Homeowners Insurance |
|---|
| Less than $50,000 |
157 |
3.0% |
$38 |
| $80,000 to $89,999 |
72 |
1.0% |
$135 |
| $175,000 to $199,999 |
53 |
1.0% |
$303 |
| $200,000 to $249,999 |
116 |
2.0% |
$367 |
| $250,000 to $299,999 |
616 |
15.0% |
$451 |
| $300,000 to $399,999 |
2,989 |
73.0% |
$574 |
Top Home Insurance Agents Near Elmont, NY
| Home Insurance Company Near Elmont, NY |
Homeowners Insurance Agency Near Elmont, NY |
Address |
| Travelers |
De Gise Agency Inc. |
615 WYCKOFF AVE, WYCKOFF, NJ, 7481 |
| Allstate |
Hector Rodriguez |
892 Rte 22, Somerville, NJ, 8876 |
| State Farm |
John Sules |
339 N Main St Ste 1-3, New City, NY, 10956-4300 |
| Travelers |
Marlin Insurance Agency Inc |
1138 WILLIAM FLOYD PARKWAY, SHIRLEY, NY, 11967 |
| Travelers |
The Wasiczko Agency Inc |
9 LOCKWOOD AVENUE, YONKERS, NY, 10701 |
Cost Of Homeowners Insurance By Street Near Elmont, NY
| Streets in Elmont Area |
Homeowners Insurance Cost |
|---|
| I St, Savoy Ave, Caryl Ct, Francis Ct, Claridge Ave, Cameron St, Phylis Ct, Makofske Ave, Eagle Ave, Opal St | $645 |
| Conway Rd, E St, Globe Ave, H St, Waldorf Ave, Appeal Ave, Diellen Ln, D St, Russell Ave, Heathcote Rd | $644 |
| Pelham St, Johnson Ave, Kiefer Ave, Ludlam Ave, Harriet St, Lydia Ave, Miriam Pkwy, John Ave, Astor St, Bauer Ct | $648 |
| Foster Meadow Ln, Elzey Ave, Huntley Rd, Carnegie Ave, Benson Ave, Queens Ave, N Circle Dr, A St, Seville St, Man O War Ave | $644 |
| Virginia Dr, Stuyvesant St, Burtis Pl, Sylvan Ct, Crystal St, Rosser Ave, Assault Rd, Depaul St, Praver Pl, Crown Ave | $649 |
Elmont, NY Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
| Elmont | $96 to $98 |
| South Floral Park | $97 |
| North Valley Stream | $96 |
| Franklin Square | $98 |
Elmont, 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 |
| South Floral Park village, New York |
$98 |
$130 |
$195 |
| North Valley Stream CDP, New York |
$97 |
$129 |
$194 |
| Franklin Square CDP, New York |
$98 |
$130 |
$195 |
Elmont, NY Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
| Elmont, NY | 1.8% | 5.4% |
| South Floral Park | 1.81% | 5.42% |
| North Valley Stream | 1.84% | 5.37% |
| Franklin Square | 1.8% | 5.44% |
Elmont Renters Insurance as a Percentage of Rent
| Elmont Home By Monthly Rent |
Total Homes |
% of Total |
Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|
| $300 to $499 |
148 |
8.0% |
$1222 |
| $500 to $749 |
159 |
8.0% |
$1897 |
| $750 to $999 |
199 |
11.0% |
$2647 |
| $1,000 to $1,499 |
551 |
30.0% |
$3772 |
| $1,500 or more |
718 |
39.0% |
$5422 |
Elmont, NY Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible |
|---|
| Deductible | $1,800 | $3,800 |
| Yearly Elmont Homeowner Insurance Premium Example | $2,900 | $2,500 |
| Out of Pocket Expense During Claim | $1,800 | $3,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim |
$25,000 | $23,800 |
| Net Savings to Elmont Home Owner from High Deductible Plan |
$1,200 |
Elmont, NY Home Insurance Costs With Home Replacement Value Scenarios
| Scenario |
Elmont, NY Home Replacement Value MORE than Home Value |
Elmont, NY Home Replacement Value LESS than Home Value |
| Replacement Value |
$513,500 |
$317,000 |
| Insurance Premium based on Replacement Value |
$6,000 |
$3,700 |
| Risk Exposure from Under Insuring Coverage |
Unnecessary Home Insurance Coverage of $84,000 |
Risk Exposure from Under Insuring Coverage is $112,500 |
| Premium Impact |
Insurance cheaper by $1,300/year |
Insurance costlier by $1,000/year |
Example Elmont Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company |
State Farm | Chubb Group of Insurance | Allstate |
| Monthly Premium |
153 | 395 | 360 |
| Year Built |
1973 | 1966 | 1943 |
| Home Details |
3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount |
$400000-$500000 | $700000-$800000 | $600000-$700000 |
| Deductible |
> $10,000 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Elmont, NY from Consumer Reviews & Surveys
| Year Built |
Home Value |
Roof Type |
Sqft |
Number of Bedrooms |
Deductible |
Premium |
Premium Months |
Siding Type |
Smoker/Non Smoker |
| 1966 |
765,000 |
Shingles Roof |
4,820 |
5 |
> $10,000 Deductible |
690 |
2 |
Stucco siding |
No |
| 1957 |
315,000 |
Composition Roof |
2,000 |
5 |
$1000-$2500 Deductible |
1880 |
9 |
Stucco siding |
No |
| 1966 |
545,000 |
Composition Roof |
3,260 |
4 |
$5000 to $10,000 Deductible |
2430 |
6 |
Wood siding |
No |
| 1978 |
520,000 |
Membrane Roof |
2,370 |
3 |
$5000 to $10,000 Deductible |
200 |
1 |
Stucco siding |
No |
| 1952 |
610,000 |
Composition Roof |
3,800 |
5 |
$500 Deductible |
5260 |
12 |
Fiber-Cement Siding |
yes |
| 1962 |
425,000 |
Slate Shingles Roof |
1,950 |
3 |
> $10,000 Deductible |
990 |
5 |
Wood siding |
No |
| 1965 |
355,000 |
Wood Shake Roof |
1,740 |
5 |
$500- $1000 Deductible |
1760 |
7 |
Stone Siding |
No |
| 1950 |
330,000 |
Composition Roof |
1,870 |
3 |
$5000 to $10,000 Deductible |
1010 |
6 |
Wood siding |
yes |
| 1957 |
845,000 |
Asphalt Shingles Roof |
3,920 |
5 |
> $10,000 Deductible |
1810 |
6 |
Brick siding |
No |
| 1942 |
340,000 |
Wood Shake Roof |
1,900 |
5 |
$2500-$5000 Deductible |
2540 |
12 |
Wood siding |
No |
| 1971 |
405,000 |
Shingles Roof |
2,220 |
4 |
$500 Deductible |
2780 |
10 |
Vinyl siding |
yes |
| 1945 |
725,000 |
Wood Shake Roof |
4,330 |
5 |
$500 Deductible |
2760 |
5 |
Stucco siding |
No |
| 1974 |
315,000 |
Shingles Roof |
1,920 |
5 |
$500 Deductible |
300 |
1 |
Brick siding |
yes |
| 1970 |
675,000 |
Composition Roof |
4,310 |
5 |
$500 Deductible |
3820 |
7 |
Brick siding |
yes |
| 1946 |
625,000 |
Wood Shake Roof |
2,770 |
4 |
$1000-$2500 Deductible |
2750 |
6 |
Stone Siding |
yes |
| 1962 |
285,000 |
Shingles Roof |
1,450 |
3 |
$2500-$5000 Deductible |
2340 |
12 |
Stone Siding |
yes |
| 1961 |
570,000 |
Membrane Roof |
3,340 |
4 |
$1000-$2500 Deductible |
2960 |
8 |
Brick siding |
yes |
| 1946 |
640,000 |
Slate Shingles Roof |
2,960 |
5 |
> $10,000 Deductible |
1180 |
4 |
Stucco siding |
yes |
| 1964 |
290,000 |
Composition Roof |
1,810 |
3 |
$1000-$2500 Deductible |
3300 |
12 |
Stone Siding |
yes |
| 1947 |
450,000 |
Asphalt Shingles Roof |
2,700 |
4 |
$500 Deductible |
1410 |
4 |
Wood siding |
yes |
| 1943 |
340,000 |
Asphalt Shingles Roof |
1,940 |
3 |
$5000 to $10,000 Deductible |
170 |
1 |
Vinyl siding |
yes |
| 1976 |
660,000 |
Membrane Roof |
3,080 |
4 |
$5000 to $10,000 Deductible |
2820 |
7 |
Stone Siding |
No |
| 1962 |
380,000 |
Slate Shingles Roof |
1,970 |
4 |
> $10,000 Deductible |
560 |
3 |
Fiber-Cement Siding |
yes |
| 1940 |
315,000 |
Membrane Roof |
1,920 |
5 |
$5000 to $10,000 Deductible |
480 |
4 |
Stucco siding |
yes |
| 1973 |
650,000 |
Tile Roof |
3,130 |
4 |
$2500-$5000 Deductible |
1610 |
3 |
Fiber-Cement Siding |
No |
