Kiryas Joel Insurance Rates:

Kiryas Joel, NY homeowners insurance is nearly $537 to $742, about $44-$61/month. Our detailed analysis shows customers can save as much as $255 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
Something i like about my insurance company is they are very kind. whenever i call them, i am always greeted cordially with respect by someone who really wants to help me with my problems and questions.
Liberty Mutual
Their rates are a little higher than some of the other homeowner's insurance companies but when it comes to protecting your house, it is worth paying a little more to have a reliable insurance company.
Amica Mutual Insurance
I have a dividend policy with amica which i pay a little more for up front but i receive a dividend for a portion of the premium at certain points in the policy term.
Allstate
Sometimes I dislike always having to go through my agent for my questions. I would prefer to just ask online 24/7.
State Farm
The interactions and communications that I have with my insurance company are positive.
Usaa
Our communication is through email, we are paperless with USAA. But when we do need to talk to someone, their phone lines are always easy to get ahold of someone, no complaints!
Union Mutual
We did some shopping when we bought our house five years ago to find the best price for home insurance. Our current insurance company had our auto insurance and we went with them. We have since had to file a couple of claims because of damage to the house and our premiums have gone up. We have not looked recently to see if we could get a more competitive rate.
Erie Insurance
I like that the claims process is quick. I like that the company sends a magazine with useful information. I am happy with the friendly agents.

Kiryas Joel, NY Homeowners Insurance By Home Value

Kiryas Joel, NY Home Value Total Homes % of Total Average Kiryas Joel, NY Homeowners Insurance
$150,000 to $174,999 34 5.0% $281
$175,000 to $199,999 59 9.0% $325
$200,000 to $249,999 84 12.0% $389
$250,000 to $299,999 250 38.0% $479
$300,000 to $399,999 218 33.0% $607

Top Home Insurance Agents Near Kiryas Joel, NY

Home Insurance Company Near Kiryas Joel, NY Homeowners Insurance Agency Near Kiryas Joel, NY Address
State Farm Andrew Kim 1617 Center Ave, Fort Lee, NJ, 07024-4740
Farmers Chae Ryu 19402 Northern Blvd Ste 201, Flushing, NY, 11358
Travelers Ed Lombardi Agency Ltd 557 N MACQUESTEN PKWY, MT VERNON, NY, 10552
Travelers K & H Reichbach Inc 880 SO LAKE BLVD, MAHOPAC, NY, 10541
Farmers Lovelet Kerr 300 Interpace Pkwy Ste 400b, Parsippany, NJ, 7054

Cost Of Homeowners Insurance By Street Near Kiryas Joel, NY

Streets in Kiryas Joel Area Homeowners Insurance Cost
Nicklesburg Rd, Fillmore Ct, Rabbit Hill Rd, Ruzhin Rd, Irene Dr, Toltchav Way, Raywood Dr, Irene Dr, Hamburg Rd, Liska Way$640
Seven Springs Mountain Rd, Acre Rd, Shinev Ct, D A Wieder Blvd, Hamburg Way, Zenta Rd, Toby Pl, Eahal Ct, Koznitz Rd, Hayes Ct$640
Lublin Way, Lipa Friedman Ln, Teverya Way, Krakow Blvd, Co Rd 64, Kahan Dr, Yoel Klein Blvd, Rimenev Ct, Krolla Dr, Iron Hill Plz$634
Buchanan Ct, Seven Springs Rd, Krolla Dr, Kalev Way, Israel Zupnik Dr, Satmar Dr, Nininger Rd, Quickway Rd, Getzil Berger Blvd, Hayes Ct$622
Satmar Dr, Prag Blvd, Dunderberg Rd, Garfield Rd, Acre Rd, Taylor Ct, Raywood Dr, Anipoli Dr, Apta Way, Seven Springs Mountain Rd$637

Kiryas Joel, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kiryas Joel$94 to $97
South Blooming Grove$94
Harriman$92
Monroe$95

Kiryas Joel, 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
South Blooming Grove village, New York $94 $125 $188
Harriman village, New York $92 $123 $185
Monroe town, Orange County, New York $95 $127 $191

Kiryas Joel, 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
Kiryas Joel, NY3.0%5.7%
South Blooming Grove2.32%6.38%
Harriman2.33%5.65%
Monroe2.13%5.31%

Kiryas Joel Renters Insurance as a Percentage of Rent

Kiryas Joel Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 30 1.0% $775
$300 to $499 143 6.0% $1225
$500 to $749 252 10.0% $1900
$750 to $999 338 14.0% $2650
$1,000 to $1,499 1,072 45.0% $3775
$1,500 or more 489 20.0% $5425

Kiryas Joel, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly Kiryas Joel Homeowner Insurance Premium Example $2,800$2,300
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $24,100$23,100
Net Savings to Kiryas Joel Home Owner from High Deductible Plan $1,000

Kiryas Joel, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kiryas Joel, NY Home Replacement Value MORE than Home Value Kiryas Joel, NY Home Replacement Value LESS than Home Value
Replacement Value $507,500 $354,000
Insurance Premium based on Replacement Value $4,150 $2,900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $114,000
Premium Impact Insurance cheaper by $925/year Insurance costlier by $325/year

Example Kiryas Joel Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateErie InsuranceState Farm
Monthly Premium 155143608
Year Built 198819932009
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $250000-$300000$250000-$300000$700000-$800000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Kiryas Joel, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 250,000 Composition Roof 1,650 3 $500 Deductible 2160 8 Vinyl siding No
2011 410,000 Composition Roof 1,980 5 $5000 to $10,000 Deductible 170 1 Brick siding yes
2003 490,000 Slate Shingles Roof 2,810 4 $2500-$5000 Deductible 2300 12 Stucco siding No
1980 215,000 Slate Shingles Roof 1,450 3 $500 Deductible 2420 12 Vinyl siding No
1995 380,000 Membrane Roof 2,050 3 > $10,000 Deductible 760 4 Brick siding yes
1999 475,000 Shingles Roof 2,820 4 $1000-$2500 Deductible 660 2 Fiber-Cement Siding yes
2002 330,000 Wood Shake Roof 1,920 3 $500 Deductible 2060 8 Wood siding No
2008 310,000 Shingles Roof 2,050 4 $500- $1000 Deductible 1720 7 Brick siding No
2010 815,000 Membrane Roof 3,970 5 $2500-$5000 Deductible 4390 10 Brick siding No
2014 695,000 Asphalt Shingles Roof 3,220 4 $2500-$5000 Deductible 1410 3 Wood siding yes
1995 410,000 Tile Roof 1,960 3 $500- $1000 Deductible 3220 10 Fiber-Cement Siding No
1988 380,000 Asphalt Shingles Roof 1,850 3 $2500-$5000 Deductible 2010 8 Wood siding No
2014 805,000 Shingles Roof 4,900 5 $2500-$5000 Deductible 2880 5 Vinyl siding No
2011 375,000 Asphalt Shingles Roof 1,930 4 > $10,000 Deductible 1280 10 Wood siding No
1984 505,000 Membrane Roof 2,510 4 $2500-$5000 Deductible 2790 8 Vinyl siding No
2007 480,000 Shingles Roof 2,460 4 $500- $1000 Deductible 2120 7 Brick siding No
1980 550,000 Membrane Roof 2,730 5 $1000-$2500 Deductible 3430 9 Brick siding yes
2012 580,000 Composition Roof 3,930 5 $500 Deductible 3000 10 Wood siding yes
2011 190,000 Metal Roof 1,280 3 $1000-$2500 Deductible 1520 9 Fiber-Cement Siding yes
1990 425,000 Shingles Roof 2,690 4 $500 Deductible 5500 10 Stone Siding yes
2011 785,000 Wood Shake Roof 4,230 5 $500 Deductible 3660 5 Brick siding yes
1980 385,000 Slate Shingles Roof 1,860 3 $2500-$5000 Deductible 3290 12 Stone Siding yes
2013 885,000 Asphalt Shingles Roof 4,360 5 $500 Deductible 4420 6 Wood siding No
2001 245,000 Composition Roof 1,540 3 > $10,000 Deductible 960 9 Stone Siding yes
1992 340,000 Asphalt Shingles Roof 1,870 3 $500 Deductible 3030 9 Wood siding yes
2013 605,000 Metal Roof 2,810 4 $1000-$2500 Deductible 530 1 Vinyl siding yes
1980 580,000 Tile Roof 3,260 5 $500- $1000 Deductible 1590 5 Brick siding yes
1994 340,000 Shingles Roof 1,730 3 > $10,000 Deductible 1180 12 Stone Siding yes