Freeport Insurance Rates:

Freeport, NY homeowners insurance is about $541 to $734, about $45-$61/month. Our all inclusive guide indicates shoppers can save as much as $255 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Freeport, NY Homeowners Insurance By Home Value

Freeport, NY Home Value Total Homes % of Total Average Freeport, NY Homeowners Insurance
Less than $50,000 135 2.0% $44
$100,000 to $124,999 147 2.0% $191
$125,000 to $149,999 224 3.0% $242
$150,000 to $174,999 166 2.0% $287
$175,000 to $199,999 296 4.0% $331
$200,000 to $249,999 658 10.0% $401
$250,000 to $299,999 878 14.0% $491
$300,000 to $399,999 3,466 56.0% $625

Top Home Insurance Agents Near Freeport, NY

Home Insurance Company Near Freeport, NY Homeowners Insurance Agency Near Freeport, NY Address
NA Yun-Chan Chun Agency 35 Bridge St Bldg B, Metuchen, NJ, 8840
NA Business Service Agency 376 Hamburg Turnpike 2Nd Floor, Wayne, NJ, 7470
NA Jeff A Massa Insurance Agency 175 Oval Dr Ste B, Islandia, NY, 11749
Travelers Andia Insurance Agency Inc 17 MONMOUTH ST, RED BANK, NJ, 7701
Travelers Oakdale Agcy Inc 1262 MONTAUK HWY, OAKDALE, NY, 11769

Freeport, NY Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Freeport, NY

Streets in Freeport Area Homeowners Insurance Cost
Martha St, Pierrepont St, Saint Marys Pl, E Seaman Ave, Buchanan St, Ann Ct, Hubbard Ave, Laurette Ln, N Ocean Ave, Cary Pl$639
Benson Pl, Summers Pl, Eastern Blvd, Van Buren Pl, Carey Ln, Woodcleft Ave, Dutchess St, Claurome Pl, Hastings St, Agnes St$659
Hope Pl, Gold St, W Woodbine Dr, Westside Ave, E Dean St, Wilshire Ct, S Bayview Ave, Casino St, Whaley St, Phyllis Dr$642
Shea Ct, Albany Ave, Gill Ave, S Bayview Ave, Mildred Dr, Taylor St, Russell Pl, Manhattan St, E Bedell St, Craig Ave$633
Tanglewood Ln, Ocean Ct, Suffolk St, High Pl, S Long Beach Ave, Noon Pl, Cottage Ct, Ann Dr, Suffolk St, Harbor Ct$640

Freeport, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Freeport$95 to $97
Baldwin Harbor$97

Freeport, 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
Baldwin CDP, New York $80 $107 $160
Merrick CDP, New York $84 $112 $168
Baldwin Harbor CDP, New York $82 $109 $163

Freeport, 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
Freeport, NY1.8%5.3%
Baldwin Harbor1.72%5.43%

Freeport Renters Insurance as a Percentage of Rent

Freeport Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 229 5.0% $776
$300 to $499 173 4.0% $1226
$500 to $749 280 6.0% $1901
$750 to $999 572 13.0% $2651
$1,000 to $1,499 1,879 43.0% $3776
$1,500 or more 1,112 25.0% $5426

Freeport, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Freeport Homeowner Insurance Premium Example $3,100$2,600
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $16,500$15,000
Net Savings to Freeport Home Owner from High Deductible Plan $1,500

Freeport, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Freeport, NY Home Replacement Value MORE than Home Value Freeport, NY Home Replacement Value LESS than Home Value
Replacement Value $449,500 $318,000
Insurance Premium based on Replacement Value $4,100 $2,900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,500 Risk Exposure from Under Insuring Coverage is $84,000
Premium Impact Insurance cheaper by $775/year Insurance costlier by $425/year

Example Freeport Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 113218282
Year Built 195019601970
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$400000-$500000$400000-$500000
Deductible $2500-$5000 Deductible> $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1978 310,000 Membrane Roof 1,680 2 $2500-$5000 Deductible 1850 9 Stucco siding No
1940 305,000 Wood Shake Roof 1,600 5 $2500-$5000 Deductible 1770 8 Stucco siding yes
1956 195,000 Shingles Roof 970 2 $5000 to $10,000 Deductible 280 3 Wood siding No
1975 210,000 Composition Roof 1,210 2 > $10,000 Deductible 710 9 Fiber-Cement Siding yes
1975 340,000 Composition Roof 2,330 4 $5000 to $10,000 Deductible 1800 12 Brick siding yes
1945 255,000 Shingles Roof 1,520 2 $500- $1000 Deductible 1660 6 Fiber-Cement Siding No
1957 325,000 Wood Shake Roof 1,630 3 $1000-$2500 Deductible 480 2 Fiber-Cement Siding No
1973 290,000 Composition Roof 1,530 3 > $10,000 Deductible 370 3 Wood siding yes
1944 650,000 Asphalt Shingles Roof 3,130 5 $5000 to $10,000 Deductible 2870 10 Brick siding No
1970 485,000 Slate Shingles Roof 2,720 5 > $10,000 Deductible 1140 4 Brick siding yes
1969 730,000 Membrane Roof 4,700 5 $1000-$2500 Deductible 3230 6 Fiber-Cement Siding yes
1961 215,000 Tile Roof 1,450 3 $1000-$2500 Deductible 1720 10 Vinyl siding No
1944 370,000 Metal Roof 2,150 4 $500 Deductible 2640 8 Wood siding No
1966 275,000 Asphalt Shingles Roof 1,620 4 $2500-$5000 Deductible 180 1 Vinyl siding yes
1940 615,000 Tile Roof 3,850 5 $500- $1000 Deductible 1940 5 Fiber-Cement Siding yes
1962 495,000 Metal Roof 2,360 4 $5000 to $10,000 Deductible 2260 10 Stucco siding No
1950 695,000 Tile Roof 4,040 5 $500 Deductible 2170 5 Stone Siding No
1972 235,000 Asphalt Shingles Roof 1,110 2 $2500-$5000 Deductible 710 7 Stone Siding No
1949 190,000 Slate Shingles Roof 1,260 2 $500- $1000 Deductible 1020 8 Fiber-Cement Siding yes
1957 220,000 Slate Shingles Roof 1,380 2 $500 Deductible 1730 10 Brick siding No
1967 435,000 Slate Shingles Roof 2,740 4 > $10,000 Deductible 1540 9 Brick siding No
1973 235,000 Tile Roof 1,610 2 $500- $1000 Deductible 2480 12 Fiber-Cement Siding No
1957 345,000 Metal Roof 1,810 4 $1000-$2500 Deductible 1740 8 Fiber-Cement Siding yes
1973 185,000 Composition Roof 1,060 2 $500 Deductible 1200 7 Stucco siding yes
1940 430,000 Membrane Roof 2,780 5 $500- $1000 Deductible 2700 9 Stucco siding No
1977 365,000 Shingles Roof 1,800 3 > $10,000 Deductible 1180 7 Stucco siding No
1964 565,000 Shingles Roof 2,780 5 $1000-$2500 Deductible 3860 7 Stucco siding No
1957 260,000 Composition Roof 1,730 2 $2500-$5000 Deductible 1790 9 Vinyl siding yes
1972 210,000 Tile Roof 1,240 2 > $10,000 Deductible 180 2 Vinyl siding yes
1954 145,000 Slate Shingles Roof 990 2 $1000-$2500 Deductible 390 4 Fiber-Cement Siding No
1972 280,000 Asphalt Shingles Roof 1,390 2 $500- $1000 Deductible 260 1 Wood siding No
1962 220,000 Slate Shingles Roof 1,250 2 $500- $1000 Deductible 1200 7 Stone Siding yes
1970 415,000 Shingles Roof 2,160 3 $5000 to $10,000 Deductible 1610 9 Stucco siding No

Latest Home Insurance Reviews

I recommend Geico because of the great customer service and best pricing available. Overall they are a company you can trust a lot.
USAA offers similar policy offerings as other competitors. I also found their agents to be better at explaining what each type of policy offering meant and which ones I should need more than others.
Farmer's Insurance
My insurance company offers 1% wind & hurricane deductibles in my area that not many other companies offer all while being very competitive in pricing.
I recommend this to anyone who is eligible to be a member. You can tell this is company for the military by the military
They were very friendly over the phone. They explained the policy I was purchasing in full. They also provided information on how to access and make changes online which is a preference of mine.
Farmer's Insurance
The prices are reasonable and I have a decent amount of coverage. The only bad this is that I do not have flood insurance but that is not uncommon as I do not live in a flood zone.
Erie Insurance
Very pleased with this insurance company. From the pricing to all the way to the customer service. I would highly recommend this insurance company to everyone. Top of the class.
Homesite Insurance
My home insurance, Homesite Insurance , has a solid track record of providing good customer service. I have also been a customer and receved this level of customer attention.
If I could, I would recommend USAA to all military patrons looking to purchase home owner coverage. Some may not know about this company because we did not for a time. Now, USAA advertises.
State Farm
The policy offerings of my insurance provider is very similar to other providers as far as deductible and such, my insurance rate is just slightly cheaper than other providers.
Erie Insurance
We are very satisfied with our home insurance company because their quotes always come in a bit lower than the other companies'. We also use them for auto insurance and they bundle the policies together.
I am very satisfied with my policy and the communication that I have with my agents
I do not have any experiences with customer service yet. I have not had to contact them since I switch carriers over to them.
Best Overall and Discounts. Best for Customer Service and Interaction. Best Policy Options.Best for Members of the Military.
overall i would recommend our company to other home owners. the price isn't the best but isn't the worst, you can have your questions answered pretty much any time you need them. they have good options for policies and coverage.
I have been with Allstate for many years so I haven't really checked pricing of other companies in a long time. The last time I did check the pricing Allstate was cheaper than any other company.
I like progressive home insurance because the rates are affordable and they are easy to contact if i need to make a claim.
State Farm
Also, they do send out a great deal of physical mail, which can be a little overwhelming at times!
Feltner Group
Some thing i like about my company is they've been able to provide me with the best home insurance price that i've found in the area.
I would wish my premium was lower. It has more than doubled over the years and we have no claims against the policy
Erie Insurance
I think my premium is good compared to other companies. I know the same price my coverage is a lot better.
As a company, I have to deal with my overall view of them is a very positive one. I have no issues worrying about my property because they have taken all the worry out of my policy and communication with them. I would highly recommend them to everyone.
I have only had to deal with them once when there was an error applying for my payment, but they handled it in one call and were friendly and knowledgeable.
Farmer's Insurance
I would recommend the company for their rate increases are not extreme and the premiums are more affordable. If you don't need extra coverage then it works well for those needing basic coverage.

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