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.
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 |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Hempstead | $97 to $99 |
Baldwin Harbor | $97 |
Oceanside | $98 |
Freeport | $95 |
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 |
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 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 |
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 |
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 |
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 |
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 |