Garden City Insurance Rates:

Garden City, NY homeowners insurance is roughly $612 to $836, about $51-$69/month. Our detailed guide indicates shoppers can save upto $289 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Whenever i stop by at her office, we always start the conversation by catching up with each other, it's never straight to insurance.
Arrow Financial Corporation
I don’t like that they are not local to me and don’t have a physical presence in my city. they keep eastern hours which makes it harder for me to reach someone if i ever need to contact them.
Feltner Group
One of the things i don't like about my home insurance company is the amount of turn over that they've had with their staff.
Progressive
I like that it is easy to login and see my coverage and make any changes. I can check the renewals each year easily and pay the bill online without any issues.
Progressive
I love Progressive. I have never had a problem with them and I feel like they really value my service.
Geico
It could be cheaper, but I am overall happy with it.

Garden City, NY Homeowners Insurance By Home Value

Garden City, NY Home Value Total Homes % of Total Average Garden City, NY Homeowners Insurance
Less than $50,000 48 7.0% $21
$50,000 to $59,999 19 3.0% $43
$60,000 to $69,999 18 2.0% $57
$70,000 to $79,999 55 8.0% $65
$80,000 to $89,999 10 1.0% $72
$100,000 to $124,999 35 5.0% $94
$175,000 to $199,999 13 2.0% $166
$200,000 to $249,999 16 2.0% $202
$250,000 to $299,999 133 21.0% $246
$300,000 to $399,999 268 43.0% $318

Top Home Insurance Agents Near Garden City, NY

Home Insurance Company Near Garden City, NY Homeowners Insurance Agency Near Garden City, NY Address
NA Philip Christe 295 Main St Po Box 381 Mount Kisco, mount kisco, NY, 10549
NA Village Ins. Agency, Inc.-Verona 788 Bloomfield Ave, Verona, NJ, 7044
Travelers Aon Private Risk Management Ins Agency Inc 199 WATER ST 8TH FL, NEW YORK, NY, 10038
Liberty Mutual Marc Charles 150 Motor Parkway, Hauppauge, NY, 11788
Travelers Wesfair Agency Inc 9 HUNTS LANE, CHAPPAQUA, NY, 10514

Cost Of Homeowners Insurance By Street Near Garden City, NY

Streets in Garden City Area Homeowners Insurance Cost
Middleton Rd, 6th Pl, Lefferts Rd, Euston Rd S, Bayberry Ave, Keenan Pl, Barnes Ln, Homestead Ave, Boylston St, Brook St$738
Wardwell Rd, Dover Ave, Meadbrook Rd, Kilburn Rd, Avalon Rd, Clinton Rd, Wheeler Ave, Horton Hwy, Primrose Ct, Woodoak Pl$659
de Mott St, Salisbury Ave, Meadow Pl, Mayfair Ave, Transverse Rd, Fair Ct, Walker Rd, Krause Pl, Mulberry Ave, Prescott St$729
Merillon Ave, Salisbury Ave, Lydia Ln, Saint Pauls Cres, Suffolk Ln, Emmet Pl, Krug Pl, Osborne Rd, Greenridge Ave, Searing Ave$732
College Pl, Whitehall Blvd, Mineola Blvd Exd, Damson St, Newmarket Rd, Whitehall Blvd, Woodnut Pl, North Ave, Roselle St, Franklin Ct E$739

Garden City, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Garden City$107 to $109
Garden City South$98
Garden City Park$101
West Hempstead$97

Garden City, 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
Garden City South CDP, New York $98 $131 $197
Mineola village, New York $98 $131 $197
Garden City Park CDP, New York $101 $135 $203

Garden City, 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
Garden City, NY1.5%6.0%
Garden City South2.09%5.46%
Mineola2.08%5.45%
Garden City Park1.7%5.64%

Garden City Renters Insurance as a Percentage of Rent

Garden City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$1,000 to $1,499 23 8.0% $3735
$1,500 or more 255 91.0% $5385

Garden City, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$4,900
Yearly Garden City Homeowner Insurance Premium Example $7,400$6,800
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $61,100$59,300
Net Savings to Garden City Home Owner from High Deductible Plan $1,800

Garden City, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Garden City, NY Home Replacement Value MORE than Home Value Garden City, NY Home Replacement Value LESS than Home Value
Replacement Value $1,098,500 $770,000
Insurance Premium based on Replacement Value $10,225 $7,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $95,000 Risk Exposure from Under Insuring Coverage is $233,500
Premium Impact Insurance cheaper by $2,175/year Insurance costlier by $900/year

Example Garden City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 598603707
Year Built 195819661948
Home Details 4 Beds, 3 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $900000-$1000000More than 10000000More than 10000000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1955 1,215,000 Membrane Roof 3,150 5 $5000 to $10,000 Deductible 7140 12 Wood siding yes
1957 875,000 Composition Roof 2,980 4 $500 Deductible 1550 2 Stone Siding No
1942 920,000 Slate Shingles Roof 2,970 5 $500 Deductible 5510 9 Stone Siding yes
1941 700,000 Metal Roof 1,610 5 $5000 to $10,000 Deductible 3400 10 Brick siding yes
1965 840,000 Membrane Roof 2,430 4 $5000 to $10,000 Deductible 380 1 Brick siding yes
1954 1,240,000 Membrane Roof 3,980 5 $2500-$5000 Deductible 7200 12 Wood siding No
1943 770,000 Shingles Roof 2,380 4 $500- $1000 Deductible 2050 3 Stucco siding yes
1965 915,000 Membrane Roof 3,080 5 $5000 to $10,000 Deductible 2820 8 Fiber-Cement Siding yes
1956 705,000 Wood Shake Roof 2,270 4 $2500-$5000 Deductible 570 1 Stucco siding No
1941 800,000 Shingles Roof 2,080 4 $1000-$2500 Deductible 3380 6 Fiber-Cement Siding yes
1953 925,000 Membrane Roof 3,090 5 $1000-$2500 Deductible 3250 5 Brick siding yes
1945 1,425,000 Membrane Roof 4,490 5 $500- $1000 Deductible 2790 4 Wood siding No
1940 1,670,000 Tile Roof 4,900 5 $500 Deductible 720 1 Fiber-Cement Siding No
1965 1,140,000 Slate Shingles Roof 2,700 4 $2500-$5000 Deductible 1380 3 Stucco siding yes
1956 855,000 Wood Shake Roof 2,850 4 $5000 to $10,000 Deductible 4530 10 Brick siding yes
1943 835,000 Asphalt Shingles Roof 2,030 4 $500 Deductible 520 1 Fiber-Cement Siding yes
1968 1,305,000 Shingles Roof 3,090 4 $500 Deductible 4250 6 Brick siding yes
1946 755,000 Asphalt Shingles Roof 1,860 5 $1000-$2500 Deductible 3900 8 Brick siding yes
1965 1,720,000 Wood Shake Roof 4,750 5 $1000-$2500 Deductible 3350 4 Wood siding No
1961 1,675,000 Membrane Roof 4,870 5 $1000-$2500 Deductible 7420 10 Stone Siding No
1967 690,000 Asphalt Shingles Roof 2,050 4 $5000 to $10,000 Deductible 640 2 Stucco siding No
1967 1,085,000 Metal Roof 2,920 4 $5000 to $10,000 Deductible 4640 9 Wood siding No
1966 1,555,000 Composition Roof 4,230 5 $500 Deductible 7530 8 Stucco siding yes
1954 1,245,000 Slate Shingles Roof 3,170 4 > $10,000 Deductible 420 1 Wood siding No
1958 960,000 Wood Shake Roof 3,130 4 > $10,000 Deductible 5980 12 Fiber-Cement Siding yes
1959 745,000 Shingles Roof 2,030 4 $5000 to $10,000 Deductible 2180 4 Vinyl siding No
1962 665,000 Composition Roof 2,040 4 > $10,000 Deductible 1810 6 Stone Siding No
1963 1,025,000 Composition Roof 2,750 4 > $10,000 Deductible 1330 3 Fiber-Cement Siding yes