Lake Carmel Insurance Rates:

Lake Carmel, NY homeowners insurance is about $528 to $720, about $44-$60/month. Our all inclusive guide reveals consumers can save as much as $249 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lake Carmel, NY Homeowners Insurance By Home Value

Lake Carmel, NY Home Value Total Homes % of Total Average Lake Carmel, NY Homeowners Insurance
$60,000 to $69,999 62 2.0% $137
$100,000 to $124,999 211 8.0% $237
$125,000 to $149,999 28 1.0% $293
$150,000 to $174,999 25 1.0% $349
$175,000 to $199,999 208 8.0% $399
$200,000 to $249,999 349 14.0% $486
$250,000 to $299,999 561 22.0% $592
$300,000 to $399,999 975 39.0% $755

Top Home Insurance Agents Near Lake Carmel, NY

Home Insurance Company Near Lake Carmel, NY Homeowners Insurance Agency Near Lake Carmel, NY Address
Liberty Mutual Independent Fairfield County Bank Ins Svcs Llc 118 N BEDFORD RD STE 201, MOUNT KISCO, NY, 10549
Nationwide Michael M. Buchek 240 Pomeroy Avenue STE 101, Meriden, CT, 6450
Travelers Schreiner-Blaeser Agency Corp 741 PARK AVE, HUNTINGTON, NY, 11743
NA Manzi Insurance 215 Main Street So. , Woodbury, CT, 6798
NA Robert Alan Agency 652 State Route 299 Ste 104A , Highland, NY, 12528

Cost Of Homeowners Insurance By Street Near Lake Carmel, NY

Streets in Lake Carmel Area Homeowners Insurance Cost
Mohansic Rd, Gilead Rd, Maple Trail Ct, Anna St, Rockwood Rd, Fir Trail Ct, Lincoln Dr, Huguenot Rd, Jay Ct, Lottie Rd$629
Middle Ct, Placid Rd, Barrett Hill Rd, Harriman Rd, Roslyn Rd, Dingley Rd, Robin Dr, Brewster Ave, Clarkson Rd, E Croton Dr$618
Lake Shore Dr W, Center Rd, Pelham Dr, Beaver Hill Rd, Saw Mill Rd, Wakefield Rd, Longfellow Dr, Hawthorne Rd, Hemlock Trl Ct, Sunset Hill Ct$619
Lorne Ct, Perry Trl, Horton Rd, Dunwoodie Rd, Nelson Ct, Kensico Rd, Old Clubhouse Rd, Cottage Rd, Hampton Dr, Brewster Dr$617
Byram Rd, Will Way, Homestead Dr, W Lakeshore Dr, Copake Falls Rd, Livingston Rd, Kitchawan Rd, Tilly Foster Rd, Crompton Dr, Harvard Dr$634

Lake Carmel, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake Carmel$93 to $96
Kent$94
Carmel Hamlet$97
Brewster Hill$95

Lake Carmel, 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
Kent town, Putnam County, New York $95 $126 $189
Carmel Hamlet CDP, New York $98 $130 $195
Brewster Hill CDP, New York $95 $127 $191

Lake Carmel, 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
Lake Carmel, NY2.2%5.6%
Kent2.11%5.3%
Carmel Hamlet1.94%5.42%
Brewster Hill2.06%5.83%

Lake Carmel Renters Insurance as a Percentage of Rent

Lake Carmel Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 11 4.0% $782
$300 to $499 34 12.0% $1232
$500 to $749 40 15.0% $1907
$1,000 to $1,499 73 27.0% $3782
$1,500 or more 107 40.0% $5432

Lake Carmel, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$6,000
Yearly Lake Carmel Homeowner Insurance Premium Example $4,400$3,400
Out of Pocket Expense During Claim$1,000$6,000
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $27,400$26,400
Net Savings to Lake Carmel Home Owner from High Deductible Plan $1,000

Lake Carmel, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lake Carmel, NY Home Replacement Value MORE than Home Value Lake Carmel, NY Home Replacement Value LESS than Home Value
Replacement Value $358,500 $243,000
Insurance Premium based on Replacement Value $3,650 $2,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $77,000 Risk Exposure from Under Insuring Coverage is $38,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $800/year

Example Lake Carmel Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceAmica Mutual Insurance Company
Monthly Premium 115225537
Year Built 197619461951
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$200000-$250000$700000-$800000
Deductible $2500-$5000 Deductible$500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Lake Carmel, 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 510,000 Composition Roof 3,040 4 $500- $1000 Deductible 4880 10 Stone Siding yes
1954 215,000 Wood Shake Roof 1,390 3 $2500-$5000 Deductible 380 2 Stucco siding yes
1946 205,000 Slate Shingles Roof 1,670 3 > $10,000 Deductible 170 2 Brick siding No
1959 430,000 Wood Shake Roof 2,690 4 $2500-$5000 Deductible 380 2 Fiber-Cement Siding yes
1961 520,000 Composition Roof 2,910 4 $500- $1000 Deductible 5760 12 Stucco siding yes
1943 340,000 Slate Shingles Roof 2,280 3 $1000-$2500 Deductible 1030 5 Stucco siding yes
1944 545,000 Membrane Roof 3,030 4 $5000 to $10,000 Deductible 1400 5 Stone Siding yes
1968 375,000 Asphalt Shingles Roof 2,180 3 > $10,000 Deductible 1740 8 Stone Siding No
1943 520,000 Tile Roof 3,180 5 $2500-$5000 Deductible 690 3 Brick siding yes
1960 290,000 Asphalt Shingles Roof 1,910 3 $5000 to $10,000 Deductible 790 7 Stucco siding yes
1960 380,000 Shingles Roof 2,260 4 $500 Deductible 460 2 Brick siding yes
1950 320,000 Asphalt Shingles Roof 2,000 5 $2500-$5000 Deductible 1780 12 Stone Siding yes
1950 275,000 Membrane Roof 2,200 5 $5000 to $10,000 Deductible 100 1 Brick siding yes