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.

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Latest Home Insurance Reviews

Liberty Mutual
We 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.
Usaa
I 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.
Esurance
It's ok, they are easy to deal with and cheap but i haven't really used them for anything yet.
Usaa
They have always been polite and helpful. I have only spoken to them on the phone, and everyone has been helpful.
Progressive
I 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.
Usaa
The 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.
Usaa
My home insurance covers my interior stuff so I could replace everything if I needed to. I am so pleased with this insurance.
Erie Insurance
I 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 Farm
What 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.
Allstate
My rate is cheap, and that it is affordable to my monthly budget. they worked with me rather than just setting out a direct rate
Geico
Customer service is hard to reach via email.
State Farm
I can always reach a pleasant voice and get a helpful response when I call. They reached out to us when the hurricane happened.
Progressive
Before switching to my current insurer, my yearly premium was a couple hundred higher. After switching with better coverage, my premium went down.
Usaa
The 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 Insurance
I 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.
Usaa
When 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.
Usaa
So 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 Farm
I 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.
Usaa
The 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.
Progressive
They 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 Mutual
They 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 Insurance
I 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.
Usaa
I 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 Insurance
I would definitely recommend this for every one those who are searching the for the best one
Homesite Insurance
that apps and another tech that the major national carriers offer.
Usaa
The 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 Insurance
I 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.
Usaa
I 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

PlaceSavings 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

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%
Oceanside1.79%5.46%
Freeport1.83%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 DeductibleHigh 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 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

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

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