Lake Ronkonkoma Insurance Rates:

Lake Ronkonkoma, NY homeowners insurance is about $543 to $736, about $45-$61/month. Our exhaustive guide indicates shoppers can save upto $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

State Farm
I like the fact that my insurance company has first-rate customer service. with state farm, speaking with an agent is always easy and they are always willing to help. this fact makes me not dread when i need individual help with something.
Allstate
Wish i knew more about some services they offer from their website; some of the terms and conditions are confusing at times.
Geico
I really like that they offer a multi policy discount. we save money because we also have our car insurance with them.
Erie Insurance
The customer service people at Erie Insurance are very friendly. They take time to answer my questions or concerns that I may have.
Liberty Mutual
company website for all services is good for the insurance company and customer services are very satisfied with the company overall the company in all process is good
Ameriprise
There isn't really a lot that I have negative to say about the company, really. They do fast work, though they might not be the cheapest, I honestly don't care since they cover things so fast.
Esurance
They answer the phone usually when you call. You can actually get to a human being. The problem I have is when they are not responsive to you, which is infrequent.
Usaa
No physical branches in my area. Would be nice to talk to someone face to face every now and then.

Lake Ronkonkoma, NY Homeowners Insurance By Home Value

Lake Ronkonkoma, NY Home Value Total Homes % of Total Average Lake Ronkonkoma, NY Homeowners Insurance
Less than $50,000 65 1.0% $38
$100,000 to $124,999 78 2.0% $191
$150,000 to $174,999 55 1.0% $281
$175,000 to $199,999 70 2.0% $325
$200,000 to $249,999 292 8.0% $396
$250,000 to $299,999 532 15.0% $479
$300,000 to $399,999 2,318 67.0% $613

Top Home Insurance Agents Near Lake Ronkonkoma, NY

Home Insurance Company Near Lake Ronkonkoma, NY Homeowners Insurance Agency Near Lake Ronkonkoma, NY Address
State Farm Bill Mclear Jr 54 Motor Ave, Farmingdale, NY, 11735-4027
Travelers David Chin General Insurance Brokerage Inc 87 BOWERY ROOM 501, NEW YORK, NY, 10002
Allstate James Tomeo 499 Jericho Tpke, Mineola, NY, 11501
Travelers Personal Risk Management Solutions Llc 6 EAST 43RD ST 21ST FL, NEW YORK, NY, 10017
Travelers Pinkham Agency Inc 40 Commerce Pl Ste 100, Hicksville, NY, 11801

Cost Of Homeowners Insurance By Street Near Lake Ronkonkoma, NY

Streets in Lake Ronkonkoma Area Homeowners Insurance Cost
Eklund Blvd, Westwood Ct, Greis Ave, Warner Ln, Duane Dr, Penny Ave, Mills Path, Larch St, Lake Promenade, Foster Rd$636
Andorra Ln, Ave D, Swain Ct, Ruby Pl, Powell St, Lakewood Ave, Jeremy Ct, Hillcrest St, N Holbrook Rd, Bradford St$638
Cornelia la, Jeremy Cir, Willis Ave, Steuben Blvd, Wellington Ct, Summerfield Dr, Saint James Pkwy, Ronald Ct, Beaumont Ln, Ardito Ct$648
Stonedge Ln, Richard Pl, David Ln, Lake Park St, Haug Dr, Viking Ct, Pine Dr E, Latham Pl, Metzner Rd, Cassata Rd$643
Stone Edge Ln, Heritage Ct, Tamara Ct, Foltman St, Seawanhaka Ave, Wood View Dr, Mark Ln, Osage Ln, Jay Pl, Ronkonkoma Ave$651

Lake Ronkonkoma, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake Ronkonkoma$95 to $98
Lake Grove$96
Ronkonkoma$95
Nesconset$99

Lake Ronkonkoma, 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
Lake Grove village, New York $81 $107 $161
Ronkonkoma CDP, New York $80 $106 $159
Nesconset CDP, New York $83 $110 $165

Lake Ronkonkoma, 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 Ronkonkoma, NY2.0%5.3%
Lake Grove1.78%5.38%
Ronkonkoma2.06%5.31%
Nesconset1.85%5.49%

Lake Ronkonkoma Renters Insurance as a Percentage of Rent

Lake Ronkonkoma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 85 5.0% $775
$300 to $499 163 9.0% $1225
$500 to $749 48 2.0% $1900
$750 to $999 62 3.0% $2650
$1,000 to $1,499 733 44.0% $3775
$1,500 or more 573 34.0% $5425

Lake Ronkonkoma, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$4,700
Yearly Lake Ronkonkoma Homeowner Insurance Premium Example $5,100$4,300
Out of Pocket Expense During Claim$700$4,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $36,400$34,800
Net Savings to Lake Ronkonkoma Home Owner from High Deductible Plan $1,600

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

Scenario Lake Ronkonkoma, NY Home Replacement Value MORE than Home Value Lake Ronkonkoma, NY Home Replacement Value LESS than Home Value
Replacement Value $410,000 $222,500
Insurance Premium based on Replacement Value $3,700 $2,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $95,500 Risk Exposure from Under Insuring Coverage is $92,000
Premium Impact Insurance cheaper by $850/year Insurance costlier by $850/year

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

Insurance Company State FarmGEICO InsuranceLiberty Mutual
Monthly Premium 186137322
Year Built 194119841979
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $350000-$400000$200000-$250000$600000-$700000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Lake Ronkonkoma, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 255,000 Asphalt Shingles Roof 1,460 2 $1000-$2500 Deductible 190 1 Stucco siding No
1972 600,000 Shingles Roof 3,180 4 $500 Deductible 1760 3 Stone Siding No
1973 360,000 Shingles Roof 2,070 4 $1000-$2500 Deductible 770 3 Fiber-Cement Siding yes
1964 230,000 Asphalt Shingles Roof 1,480 3 $500 Deductible 920 4 Stone Siding No
1961 250,000 Membrane Roof 1,550 5 $5000 to $10,000 Deductible 940 7 Fiber-Cement Siding No
1984 430,000 Composition Roof 2,390 3 $1000-$2500 Deductible 710 2 Stucco siding No
1986 265,000 Asphalt Shingles Roof 1,700 3 $2500-$5000 Deductible 1060 6 Brick siding No
1986 190,000 Slate Shingles Roof 970 2 $2500-$5000 Deductible 640 5 Stucco siding yes
1978 465,000 Wood Shake Roof 2,390 3 $500- $1000 Deductible 4180 12 Wood siding No
1980 225,000 Shingles Roof 1,190 2 $500- $1000 Deductible 1580 7 Stone Siding yes
1947 470,000 Asphalt Shingles Roof 3,140 4 $5000 to $10,000 Deductible 960 5 Brick siding No
1972 575,000 Tile Roof 3,050 5 $2500-$5000 Deductible 2300 5 Stone Siding yes
1965 415,000 Composition Roof 2,340 3 $2500-$5000 Deductible 470 2 Brick siding yes
1983 425,000 Asphalt Shingles Roof 2,140 3 $500 Deductible 4270 12 Stucco siding No
1961 715,000 Shingles Roof 3,340 4 $500- $1000 Deductible 2070 4 Vinyl siding yes
1965 445,000 Membrane Roof 2,150 3 $5000 to $10,000 Deductible 650 4 Fiber-Cement Siding No
1986 190,000 Membrane Roof 1,310 3 $1000-$2500 Deductible 1430 12 Stone Siding No
1944 500,000 Composition Roof 3,210 4 $2500-$5000 Deductible 1820 5 Fiber-Cement Siding No
1944 260,000 Asphalt Shingles Roof 1,720 2 > $10,000 Deductible 130 1 Wood siding yes
1941 210,000 Composition Roof 1,080 2 $500- $1000 Deductible 180 1 Wood siding No
1963 980,000 Wood Shake Roof 4,980 5 $5000 to $10,000 Deductible 550 1 Fiber-Cement Siding No
1972 485,000 Membrane Roof 2,340 4 $5000 to $10,000 Deductible 890 4 Fiber-Cement Siding yes