Elmont, NY Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
State FarmI would recommend this company because it is well established and has paid on claims that I have made even if I had to pay a deductible.
AllstateI have honestly never checked on any other homeowners insurance policies because I have been extremely satisfied with mine and have been with them for many years.
Homesite InsuranceI have had no claims, but the company has been easy to work with. Easy to set up policy, quick with paperwork, and good rates.
UsaaI am extremely satisfied with USAA home insurance and rate them a 5. We use USAA for home and car insurance. Their customer service is wonderful
UsaaI 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 InsuranceSomething 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 InsuranceI like that i receive monthly newsletter emails reminding me about certain aspects of my coverage or interesting articles related to being a homeowner.
Ameriprise FinancialI 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 FarmI 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.
UsaaI was very satisfied with the communication between USAA and me about the home insurance policy. They answered every question I had.
Narragansett Bay Insurance CompanyI 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 FarmSeems 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.
UsaaWe did shop around and found that USAA was less expensive than the other insurance companies we looked at. And while I wish it were less expensive I am ok with the price.
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 |
Elmont, NY Home Insurance Agents for Top Companies
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 |
|---|---|---|---|---|---|---|---|---|---|
| 1977 | 530,000 | Wood Shake Roof | 2,280 | 4 | $1000-$2500 Deductible | 1860 | 4 | Stone Siding | yes |
| 1944 | 705,000 | Shingles Roof | 3,320 | 4 | > $10,000 Deductible | 1480 | 6 | Wood siding | No |
| 1969 | 400,000 | Asphalt Shingles Roof | 2,440 | 4 | $500- $1000 Deductible | 3590 | 12 | Stone Siding | No |
| 1958 | 380,000 | Metal Roof | 1,780 | 4 | $1000-$2500 Deductible | 2280 | 7 | Stone Siding | yes |
| 1945 | 275,000 | Composition Roof | 1,310 | 3 | $500 Deductible | 1660 | 10 | Brick siding | yes |
| 1948 | 820,000 | Tile Roof | 4,170 | 5 | $2500-$5000 Deductible | 8440 | 12 | Stucco siding | No |
| 1971 | 655,000 | Asphalt Shingles Roof | 2,990 | 4 | $500- $1000 Deductible | 5000 | 8 | Stone Siding | No |
| 1965 | 480,000 | Wood Shake Roof | 2,590 | 4 | $500 Deductible | 2220 | 8 | Brick siding | No |
| 1967 | 885,000 | Composition Roof | 4,940 | 5 | $1000-$2500 Deductible | 2260 | 5 | Stucco siding | yes |
| 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 |