Hempstead, NY - Data on Home Insurance Quotes, Rates & Agents
Hempstead, NY Home Values & Insurance Rates
| Hempstead, NY Home Value | Total Homes | % of Total | Average Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 2,331 | 2.0% | $32 |
| $100,000 to $124,999 | 1,073 | 1.0% | $163 |
| $125,000 to $149,999 | 1,227 | 1.0% | $202 |
| $150,000 to $174,999 | 1,919 | 2.0% | $241 |
| $175,000 to $199,999 | 1,463 | 1.0% | $280 |
| $200,000 to $249,999 | 4,333 | 5.0% | $333 |
| $250,000 to $299,999 | 9,479 | 11.0% | $411 |
| $300,000 to $399,999 | 55,776 | 70.0% | $522 |
Top Home Insurance Agents Near Hempstead, NY
| Home Insurance Company Near Hempstead, NY | Homeowners Insurance Agency Near Hempstead, NY | Address |
|---|---|---|
| Travelers | Raymond G Mccarthy & Co Inc | 50 UNION AVE, RUTHERFORD, NJ, 7006 |
| Liberty Mutual | Aj Gennarelli | 303 West Main Street Suite 100, Freehold, NJ, 7728 |
| Nationwide | Anthony J Wiszowaty | 4863 Merrick Rd, Massapequa Park, NY, 11762-3804 |
| State Farm | Art Berry | 841 McLean Ave, Yonkers, NY, 10704-3925 |
| GEICO | Hari Roth | 2122 Route 35, Oakhurst, NJ, 7755 |
Estimated Home Insurance By Street Area Near Hempstead, NY
| Hempstead Area | Estimated House Insurance |
|---|---|
| Horton Ave, Saint Agnes Rd, Debra Pl, Loines Ave, Livingston Pl, Utah Rd, Eton St, Pettit Ave, Hazel Pl, Collector Ln | $678 |
| Neptune Ave, Boden Ave, Gold St, Fernwood Ter N, Spruce Ave, Bucket Ln, de Mott Ct, Mott Ave, Sandra Ln, Amy Ct | $672 |
| Rod Ln, Terra Ln, Huron Rd, Rhode Ave, Argyle Ave, Ox Path, Sunrise Ln, Miriam Pkwy, Lee Rd, N Prospect Ave | $638 |
| Avon Ln, Patricia la, Meyer Ave, California Pl S, Ditmas Ave, Washington Ave S, Ralph St E, Norfolk Dr E, Water St, Donald Pl | $681 |
| Stuart Pl, Alice St, Buena Vista Ave, Union Dr, Waverly St, Adele Pl, Star Ln, S Cherry Valley Ave, Adeline Pl, Keuka Rd | $638 |
| Sculptor Ln, Lynn Ln, Frank St, Liberty Blvd, Downing Rd, Marc Dr, Edna Pl, Davison Pl, Hotchkiss Pl, Linmouth Rd | $652 |
| Bellevue Ave, Wellington Rd S, Meadow Wood Dr, Palmetto Dr, Harry Ct, S King St, Rolling Ln, Gardiners Ave, W Waukena Ave, Blemton Pl | $656 |
| Columbus Ave, Bradford Rd, Burro Ln, Pamlico Ave, Hook St, Elderberry Ln, E Mineola Ave, Doncaster Rd, Narraganset Ave, Allen Pl | $686 |
| Castleton Ct, Maxine Ct, Murray Ct, Bernice Dr, Swing Ln, Western Ln, Dolphin Ct, Paff Ave, Pleasant Ln, Jeanette Ave | $640 |
| Olympia Rd, Anchor Ln, Hewmann Pl, Crown St, Livingston Pl, Cheshire Dr, Anna Ave, Fairfax St, Enos Ln, Nostrand Ave | $656 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| Hempstead | $97 to $99 |
| Baldwin Harbor | $97 |
| Oceanside | $98 |
| Freeport | $95 |
Hempstead, NY 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 |
|---|---|---|
| Hempstead, NY | 1.8% | 5.4% |
| Baldwin Harbor | 1.72% | 5.43% |
| Oceanside | 1.79% | 5.46% |
| Freeport | 1.83% | 5.31% |
Hempstead Renters Insurance as a Percentage of Rent
| Hempstead Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 516 | 1.0% | $318 |
| $200 to $299 | 1,477 | 3.0% | $768 |
| $300 to $499 | 2,523 | 5.0% | $1218 |
| $500 to $749 | 2,201 | 5.0% | $1893 |
| $750 to $999 | 3,550 | 8.0% | $2643 |
| $1,000 to $1,499 | 13,940 | 32.0% | $3768 |
| $1,500 or more | 18,786 | 43.0% | $5418 |
Hempstead, NY Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $5,600 |
| Yearly Hempstead Homeowner Insurance Premium Example | $9,200 | $8,200 |
| Out of Pocket Expense During Claim | $1,600 | $5,600 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $47,600 | $46,600 |
| Net Savings to Hempstead Home Owner from High Deductible Plan | $1,000 | |
Hempstead, NY Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Hempstead, NY Home Replacement Value MORE than Home Value | Hempstead, NY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $460,500 | $264,000 |
| Insurance Premium based on Replacement Value | $4,275 | $2,450 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $93,000 | Risk Exposure from Under Insuring Coverage is $103,500 |
| Premium Impact | Insurance cheaper by $950/year | Insurance costlier by $875/year |
Example Hempstead Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | GEICO Insurance | Erie Insurance | Allstate |
| Monthly Premium | 184 | 337 | 333 |
| Year Built | 1968 | 1976 | 1946 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $250000-$300000 | $400000-$500000 | $600000-$700000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | > $10,000 Deductible |
Hempstead, NY Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| Baldwin Harbor CDP, New York | $98 | $130 | $195 |
| Oceanside CDP, New York | $98 | $131 | $197 |
| Freeport village, New York | $95 | $127 | $191 |
Sample Home Insurance Rates for Hempstead, NY from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1942 | 335,000 | Asphalt Shingles Roof | 1,690 | 5 | $500 Deductible | 800 | 3 | Brick siding | yes |
| 1949 | 330,000 | Tile Roof | 1,780 | 3 | $1000-$2500 Deductible | 2250 | 7 | Fiber-Cement Siding | yes |
| 1941 | 280,000 | Membrane Roof | 1,350 | 3 | $500- $1000 Deductible | 1160 | 4 | Stucco siding | yes |
| 1950 | 365,000 | Wood Shake Roof | 2,000 | 5 | $1000-$2500 Deductible | 2260 | 8 | Brick siding | yes |
| 1979 | 570,000 | Composition Roof | 2,730 | 4 | $2500-$5000 Deductible | 990 | 3 | Stone Siding | No |
| 1952 | 450,000 | Composition Roof | 2,380 | 4 | $500 Deductible | 2800 | 6 | Fiber-Cement Siding | No |
| 1971 | 1,005,000 | Shingles Roof | 4,340 | 5 | $500- $1000 Deductible | 5350 | 6 | Stone Siding | No |
| 1944 | 630,000 | Tile Roof | 3,380 | 4 | $500 Deductible | 2420 | 4 | Stone Siding | No |