Elwood Insurance Rates:

Elwood, NY homeowners insurance is about $565 to $774, about $47-$64/month. Our extensive research reveals consumers can save upto $268 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Elwood, NY Homeowners Insurance By Home Value

Elwood, NY Home Value Total Homes % of Total Average Elwood, NY Homeowners Insurance
Less than $50,000 65 9.0% $26
$50,000 to $59,999 22 3.0% $67
$70,000 to $79,999 9 1.0% $93
$200,000 to $249,999 49 6.0% $288
$250,000 to $299,999 103 14.0% $355
$300,000 to $399,999 453 64.0% $448

Top Home Insurance Agents Near Elwood, NY

Home Insurance Company Near Elwood, NY Homeowners Insurance Agency Near Elwood, NY Address
Travelers B I C Brokerage Corp 660 EAST FORDHAM ROAD, BRONX, NY, 10458
Travelers Glen A Tompkins Inc 4 CROTON AVE, OSSINING, NY, 10562
Allstate Kevin Franchino 345 N Main St Ste 8, New City, NY, 10956
Allstate Ricardo Hernandez 24214a Merrick Blvd, Rosedale, NY, 11422
State Farm Sonny Sahni 365 Jericho Tpke, Syosset, NY, 11791-4508

Cost Of Homeowners Insurance By Street Near Elwood, NY

Streets in Elwood Area Homeowners Insurance Cost
Amsterdam St, Thadford St, Bunkerhill Dr, Eldridge St, Julia Ct, Harwick St, Caton St, Homesite Ct, Cutting St, W Haven Dr$663
Olympia Pl, Stowe Ave, Eliot Pl, Romack Rd, Selma Ct, Rodsfield Ct, Solow Ln, Ellendale Ct, Elmore Pl, Elberta Dr$660
Olympia Ct, Eileen Ln, Lebkamp Ave, Tideway Ln, Evers St, Victor Dr, Eldorado Dr, Greendale Ln, Beaverhill Ln, Doti Ct$662
Eltona Pl, Greenleaf Dr, Lefferts Pl, Brennan St, Alister Cir, Jan Pl, Whistler Hill Ln, Belknap Ct, Newmark St, Elsmere Pl$665
Montana St, Harton Ct, Danville Dr, Kenneth Ave, Burr Rd, Gogel St, Delamere St, Valentine Ave, Mander Ln, Elwin Pl$693

Elwood, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elwood$99 to $101
Greenlawn$98
Commack$99
Dix Hills$106

Elwood, 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
Greenlawn CDP, New York $98 $131 $197
East Northport CDP, New York $98 $131 $197
Commack CDP, New York $99 $132 $198

Elwood, 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
Elwood, NY1.7%5.6%
Greenlawn1.84%5.46%
East Northport1.96%5.48%
Commack1.79%5.52%

Elwood Renters Insurance as a Percentage of Rent

Elwood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$750 to $999 27 12.0% $2636
$1,000 to $1,499 32 14.0% $3761
$1,500 or more 157 72.0% $5411

Elwood, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Elwood Homeowner Insurance Premium Example $4,600$4,000
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $33,200$32,000
Net Savings to Elwood Home Owner from High Deductible Plan $1,200

Elwood, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elwood, NY Home Replacement Value MORE than Home Value Elwood, NY Home Replacement Value LESS than Home Value
Replacement Value $730,500 $520,000
Insurance Premium based on Replacement Value $8,325 $5,925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $64,500 Risk Exposure from Under Insuring Coverage is $146,000
Premium Impact Insurance cheaper by $1,650/year Insurance costlier by $750/year

Example Elwood Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyState Farm
Monthly Premium 277196571
Year Built 196919721985
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $500000-$600000$500000-$600000$600000-$700000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 985,000 Slate Shingles Roof 3,380 4 $1000-$2500 Deductible 990 2 Stone Siding yes
1985 640,000 Shingles Roof 2,850 5 $2500-$5000 Deductible 1700 5 Brick siding yes
1974 890,000 Shingles Roof 4,440 5 $2500-$5000 Deductible 6580 9 Brick siding No
1970 485,000 Membrane Roof 2,310 4 $500- $1000 Deductible 400 1 Brick siding yes
1978 460,000 Membrane Roof 2,060 4 > $10,000 Deductible 1300 6 Fiber-Cement Siding No
1975 850,000 Composition Roof 2,940 4 $5000 to $10,000 Deductible 2800 5 Fiber-Cement Siding No
1984 670,000 Asphalt Shingles Roof 2,910 4 $1000-$2500 Deductible 5080 9 Stucco siding No
1960 500,000 Slate Shingles Roof 1,970 5 $1000-$2500 Deductible 3500 12 Vinyl siding No
1981 350,000 Membrane Roof 1,730 5 $500- $1000 Deductible 2150 6 Stucco siding yes
1981 560,000 Membrane Roof 2,750 4 > $10,000 Deductible 3180 12 Brick siding yes
1980 445,000 Composition Roof 1,650 4 $500- $1000 Deductible 3920 12 Wood siding No
1974 485,000 Wood Shake Roof 2,000 4 $5000 to $10,000 Deductible 660 2 Stone Siding yes
1974 705,000 Membrane Roof 3,070 4 $500 Deductible 3140 4 Wood siding yes
1986 625,000 Slate Shingles Roof 2,750 4 > $10,000 Deductible 270 1 Brick siding No
1983 765,000 Asphalt Shingles Roof 3,030 4 > $10,000 Deductible 1630 6 Stone Siding No
1976 1,015,000 Tile Roof 3,760 5 > $10,000 Deductible 3060 9 Stucco siding yes
1976 420,000 Membrane Roof 1,940 4 $2500-$5000 Deductible 650 3 Stucco siding yes
1979 1,010,000 Tile Roof 3,460 5 $500 Deductible 4840 6 Fiber-Cement Siding No
1986 395,000 Slate Shingles Roof 1,870 4 $1000-$2500 Deductible 1590 6 Stone Siding yes
1983 800,000 Shingles Roof 2,810 4 $1000-$2500 Deductible 5550 9 Vinyl siding yes
1973 1,425,000 Slate Shingles Roof 4,950 5 > $10,000 Deductible 2970 6 Brick siding No
1979 920,000 Shingles Roof 3,220 4 > $10,000 Deductible 770 2 Wood siding No
1970 485,000 Tile Roof 1,810 5 $500 Deductible 2650 7 Stucco siding yes
1967 765,000 Membrane Roof 2,830 5 $500- $1000 Deductible 5840 9 Stone Siding No
1984 820,000 Membrane Roof 3,020 5 $500- $1000 Deductible 570 1 Brick siding yes
1975 540,000 Shingles Roof 2,450 5 $500- $1000 Deductible 3800 10 Stucco siding No
1972 705,000 Asphalt Shingles Roof 2,480 5 $1000-$2500 Deductible 3380 7 Brick siding yes
1973 685,000 Metal Roof 3,150 4 > $10,000 Deductible 3580 12 Fiber-Cement Siding No
1983 875,000 Shingles Roof 4,190 5 $1000-$2500 Deductible 1960 3 Fiber-Cement Siding yes
1987 815,000 Composition Roof 2,770 4 $500 Deductible 3820 6 Wood siding yes
1974 670,000 Slate Shingles Roof 2,350 5 > $10,000 Deductible 2180 9 Brick siding yes
1976 810,000 Wood Shake Roof 2,870 5 $500- $1000 Deductible 2750 4 Vinyl siding yes