Hempstead, NY Home Insurance - Analysis On Quotes, Rates & Agents
Hempstead Insurance Rates:
Hempstead, NY homeowners insurance is about $556 to $750, about $46-$62/month. Our extensive analysis indicates shoppers can save upto $261 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Liberty MutualWe would definitely recommend Liberty Mutual to friends and family in the local area. They have been very kind to us from day one and offer competetive rates that cover all circumstances.
UsaaI would most definitely recommend this company to anyone because this company has gone above and beyond what any other company has done for me previously.
EsuranceIt's ok, they are easy to deal with and cheap but i haven't really used them for anything yet.
UsaaThey have always been polite and helpful. I have only spoken to them on the phone, and everyone has been helpful.
ProgressiveI would definitely recommend Progressive to all my friends. They seem to have very comparable pricing with the policies are the same.the customer service online was wonderful experience.
UsaaThe premium and deductible are both lower than our previous company, I don't exactly remember the reason for the lower premiums but I think it had something to do with several of the discounts that we were offered.
UsaaMy home insurance covers my interior stuff so I could replace everything if I needed to. I am so pleased with this insurance.
Erie InsuranceI like my agent. he's a local guy and was very upfront in the beginning and recommended i shop around. he genuinely cared that i was taken care of and got the best deal possible.
State FarmWhat i dislike about state farm is that raise your premiums from time to time and you don't know until you get a letter in the mail or you check their website.
AllstateMy rate is cheap, and that it is affordable to my monthly budget. they worked with me rather than just setting out a direct rate
GeicoCustomer service is hard to reach via email.
State FarmI can always reach a pleasant voice and get a helpful response when I call. They reached out to us when the hurricane happened.
ProgressiveBefore switching to my current insurer, my yearly premium was a couple hundred higher. After switching with better coverage, my premium went down.
UsaaThe communication with the company is excellent. If there is a problem, they ensure they make multiple attempts via different modes to keep communication going /open.
Erie InsuranceI dislike that there are so many options on their site, and you have to read all of them to really pinpoint what you are trying to get to. It's almost too detailed. However, I do like the clean layout of the site and how easy it is to navigate and get back to other areas.
UsaaWhen you call the insurance company you speak to an actual person in the United States. You don't have to select numerous numbers to get to a human being.
UsaaSo far the only dissatisfaction I have had with the company was their failure to get our address updated in a timely manner when we moved to another state.
State FarmI don't interact with the company’s website or mobile app so I don't really have any input on if I like or dislike it.
UsaaThe one thing that I do dislike about the company is the limited amount of branches that are available throughout the United States. Rather than speak to a person, I'm having to either interact with someone online or through the phone. Sometimes, interacting with a person sometimes helps.
ProgressiveThey seem fine, but I don't feel like I am able to really evaluate them until I have to deal with a claim. But they payment process was really easy.
Union MutualThey are an amazing company with great people who I believe really do want to help. I would like to see if there are other companies out there that provide better coverage. I am genuinely happy with the company I am with however.
Safeco InsuranceI would recommend this insurance company because I have had positive interactions iwth them through my car insurance policy. I also know that the company is engaged in philanthropic giving to organizations in the communities where their clients live and work.
UsaaI absolutely love my home insurance company . I have had 2 claims in the last 3 years due to wind and hail and they made the process so easy.
Farmer's InsuranceI would definitely recommend this for every one those who are searching the for the best one
Homesite Insurancethat apps and another tech that the major national carriers offer.
UsaaThe prices tend to be higher than similar coverage from other insurance companies, and price hikes tend to be higher on average on an annual basis.
Erie InsuranceI am very happy with their communication, and I feel that their prices are fair if not cheap. I don't have any complaints at all with my experiences with Erie. I would recommend them if someone was seeking an agent.
UsaaI dislike the premium, they are a little bit overpriced and I think if they brought the premium amount down they would attract a lot more customer.
Hempstead, NY Homeowners Insurance By Home Value
| Hempstead, NY Home Value | Total Homes | % of Total | Average Hempstead, NY 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 |
|---|---|---|
| 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 |
| Travelers | Raymond G Mccarthy & Co Inc | 50 UNION AVE, RUTHERFORD, NJ, 7006 |
Hempstead, NY Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Hempstead, NY
| Streets in Hempstead Area | Homeowners Insurance Cost |
|---|---|
| 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 |
Hempstead, NY Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Hempstead | $97 to $99 |
| Baldwin Harbor | $97 |
| Oceanside | $98 |
| Freeport | $95 |
Hempstead, 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 Harbor CDP, New York | $98 | $130 | $195 |
| Oceanside CDP, New York | $98 | $131 | $197 |
| Freeport village, New York | $95 | $127 | $191 |
Hempstead, 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 |
|---|---|---|
| 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 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 1953 | 755,000 | Asphalt Shingles Roof | 3,220 | 4 | $500- $1000 Deductible | 7450 | 12 | Stone Siding | No |
| 1949 | 440,000 | Shingles Roof | 2,330 | 5 | > $10,000 Deductible | 1110 | 7 | Stucco siding | No |
| 1964 | 855,000 | Slate Shingles Roof | 4,260 | 5 | $5000 to $10,000 Deductible | 5240 | 10 | Fiber-Cement Siding | yes |
| 1941 | 590,000 | Asphalt Shingles Roof | 2,370 | 4 | $500 Deductible | 4470 | 7 | Vinyl siding | yes |
| 1944 | 760,000 | Shingles Roof | 3,190 | 5 | > $10,000 Deductible | 1080 | 3 | Stucco siding | yes |
| 1963 | 455,000 | Composition Roof | 2,130 | 4 | $500- $1000 Deductible | 2500 | 8 | Vinyl siding | No |
| 1968 | 665,000 | Metal Roof | 3,280 | 5 | $5000 to $10,000 Deductible | 700 | 2 | Brick siding | No |
| 1949 | 320,000 | Composition Roof | 1,310 | 3 | $500- $1000 Deductible | 2110 | 7 | Fiber-Cement Siding | yes |
| 1979 | 970,000 | Shingles Roof | 4,350 | 5 | $1000-$2500 Deductible | 3950 | 6 | Fiber-Cement Siding | No |
| 1967 | 395,000 | Wood Shake Roof | 1,700 | 3 | $500 Deductible | 2010 | 7 | Stucco siding | yes |
| 1964 | 510,000 | Shingles Roof | 2,140 | 4 | $5000 to $10,000 Deductible | 2430 | 7 | Stone Siding | yes |
| 1953 | 720,000 | Shingles Roof | 3,620 | 5 | $500- $1000 Deductible | 3250 | 9 | Fiber-Cement Siding | yes |
| 1967 | 650,000 | Tile Roof | 3,140 | 4 | $500 Deductible | 1680 | 4 | Stone Siding | No |
| 1978 | 395,000 | Tile Roof | 1,680 | 4 | > $10,000 Deductible | 1570 | 8 | Vinyl siding | No |
| 1963 | 465,000 | Tile Roof | 2,230 | 3 | $5000 to $10,000 Deductible | 1590 | 7 | Vinyl siding | yes |
| 1976 | 515,000 | Tile Roof | 2,070 | 3 | $1000-$2500 Deductible | 300 | 1 | Stone Siding | yes |
| 1967 | 250,000 | Membrane Roof | 1,470 | 3 | $500- $1000 Deductible | 1550 | 7 | Wood siding | No |
| 1944 | 725,000 | Asphalt Shingles Roof | 3,040 | 4 | $2500-$5000 Deductible | 2270 | 5 | Wood siding | yes |
| 1953 | 500,000 | Membrane Roof | 2,810 | 4 | $5000 to $10,000 Deductible | 3090 | 9 | Brick siding | yes |
| 1944 | 370,000 | Membrane Roof | 1,920 | 3 | > $10,000 Deductible | 920 | 8 | Brick siding | yes |
| 1951 | 330,000 | Metal Roof | 1,670 | 4 | $500 Deductible | 1990 | 7 | Vinyl siding | yes |
| 1958 | 520,000 | Metal Roof | 2,220 | 5 | $1000-$2500 Deductible | 2620 | 6 | Brick siding | yes |
| 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 |