Hempstead Insurance Rates:

Hempstead ,NY Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Hempstead, NY homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Hempstead, NY is $1472. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Hempstead, NY: Customer-Reviewed Options


Hempstead, NY Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Hempstead, NY. VHome Insurance will help you navigate the world of homeowners insurance coverages in Hempstead, NY.

Coverage Level Average Annual Premium
$100,000 $589
$200,000 $1,001
$300,000 $1,236
$400,000 $1,884
$500,000 $2,370


Hempstead, NY Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Hempstead, NY, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,509
$1000 Deductible $1,350
$1500 Deductible $1,273
$2500 Deductible $1,148
$5000 Deductible $972



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


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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Hempstead, NY1.8%5.4%
Baldwin Harbor1.72%5.43%

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

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

PlaceSavings For Senior Occupied Homes
Hempstead$97 to $99
Baldwin Harbor$97

Hempstead, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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 InsuranceErie InsuranceAllstate
Monthly Premium 184337333
Year Built 196819761946
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$400000-$500000$600000-$700000
Deductible $2500-$5000 Deductible$500 Deductible> $10,000 Deductible