Lindenhurst Insurance Rates:

Lindenhurst, NY homeowners insurance is roughly $543 to $735, about $45-$61/month. Our detailed guide indicates shoppers can save as much as $255 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
The website is very easy to use and well laid out. you can very easily and quickly pull up any of your policies.
Farmer's Insurance
I don't like the fact that the premiums here could be higher than big cities with farmers insurance because of the location where i live.
Farmer's Insurance
They were able to answer any complex questions i had for them, after the mix-up with the old owner. there wasn't any hold time on the phone.
Usaa
The customer service is by far the best of any company of any product around. They are always willing to go an extra step to help the customer.
Usaa
I dislike that they do not have a proper website for me to do online bill pay or to speak to a customer service rep.
Erie Insurance
My policy is a lot cheaper than anywhere else I looked around my town or online. I can always go back and change it if I need to and they are always willing to work with me no matter what.
State Farm
They make it easy to submit claims. The login system is easy. It is easy to find information that I want.
Allstate
The local office makes it pretty obvious they do not care about customers calling with questions. They do not act like I am a long-term valued customer it’s more like they are begrudgingly doing me a favor if I have a question, zero customer service

Lindenhurst, NY Homeowners Insurance By Home Value

Lindenhurst, NY Home Value Total Homes % of Total Average Lindenhurst, NY Homeowners Insurance
Less than $50,000 115 2.0% $38
$100,000 to $124,999 60 1.0% $191
$175,000 to $199,999 68 1.0% $325
$200,000 to $249,999 185 3.0% $396
$250,000 to $299,999 837 16.0% $485
$300,000 to $399,999 3,600 72.0% $613

Top Home Insurance Agents Near Lindenhurst, NY

Home Insurance Company Near Lindenhurst, NY Homeowners Insurance Agency Near Lindenhurst, NY Address
Travelers Einhorn Forlenza Agency Inc 482 NOTCH RD, WEST PATERSON, NJ, 7424
Travelers Joseph A Bruno & Associates Inc 475 WHITE PLAINS ROAD SUITE 15, SCARSDALE, NY, 10709
Farmers Route 22 Insurance Agency 2271 US Highway 22 W, Union, NJ, 7083
NA Ili-Li, Llc 445 Broad Hollow Rd 445 Broad Hollow Rd, melville, NY, 11747
State Farm Brett Berges 279 Hempstead Ave Unit A, Malverne, NY, 11565-1257

Cost Of Homeowners Insurance By Street Near Lindenhurst, NY

Streets in Lindenhurst Area Homeowners Insurance Cost
N Alleghany Ave, Beacon Ave, Fremont St, S 7th St, 42nd St, Gulf St, Shore Walk, Harrington Ave, 33, Byrd St$637
Texas St, S 6, 36, Bangor St, Narragansett Villas Dr, N Kings Ave, N Alleghany Ave, N Fulton Ave, Lenox St, N 9th St$641
Mound St, S 6th St, N 4, Great Pl, N Putnam Ave, Oxford, S Pecan St, Santapogue St, 34, S Walnut St$638
S High St, S 16th St, Mal Dr, Heiling Blvd, Kent Ave, N 10, Bayview Ave E, S 14, Dekalb Ave, N Erie Ave$636
S Broome Ave, Delta St, Anthony Dr, Ash St, S 8th St, S 10th St, 36th St, Waco St, Storz Pl, Idaho St$639

Lindenhurst, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lindenhurst$95 to $98
Copiague$95
North Amityville$94
Amityville$97

Lindenhurst, 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
Copiague CDP, New York $95 $127 $191
North Lindenhurst CDP, New York $95 $127 $191
West Babylon CDP, New York $95 $127 $191

Lindenhurst, 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
Lindenhurst, NY2.0%5.3%
Copiague1.99%5.3%
North Lindenhurst1.88%5.3%
West Babylon1.9%5.31%

Lindenhurst Renters Insurance as a Percentage of Rent

Lindenhurst Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 38 2.0% $1225
$500 to $749 54 3.0% $1900
$750 to $999 189 12.0% $2650
$1,000 to $1,499 498 32.0% $3775
$1,500 or more 761 49.0% $5425

Lindenhurst, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Lindenhurst Homeowner Insurance Premium Example $4,500$3,000
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $14,000$12,500
Net Savings to Lindenhurst Home Owner from High Deductible Plan $1,500

Lindenhurst, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lindenhurst, NY Home Replacement Value MORE than Home Value Lindenhurst, NY Home Replacement Value LESS than Home Value
Replacement Value $411,000 $321,000
Insurance Premium based on Replacement Value $4,475 $3,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $50,500
Premium Impact Insurance cheaper by $550/year Insurance costlier by $425/year

Example Lindenhurst Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyFarmers InsuranceGEICO Insurance
Monthly Premium 197498553
Year Built 197119541940
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$500000-$600000$600000-$700000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Lindenhurst, 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 255,000 Tile Roof 1,700 4 $500 Deductible 1800 12 Vinyl siding No
1953 400,000 Asphalt Shingles Roof 1,960 3 $5000 to $10,000 Deductible 2560 12 Stone Siding No
1951 820,000 Membrane Roof 4,770 5 $1000-$2500 Deductible 600 1 Fiber-Cement Siding yes
1943 330,000 Wood Shake Roof 1,550 3 $5000 to $10,000 Deductible 540 3 Brick siding yes
1949 295,000 Asphalt Shingles Roof 1,440 3 $500 Deductible 680 3 Wood siding No
1965 310,000 Wood Shake Roof 1,600 4 $1000-$2500 Deductible 1450 7 Stucco siding No
1949 505,000 Shingles Roof 3,220 5 > $10,000 Deductible 1390 6 Vinyl siding No
1958 890,000 Tile Roof 4,570 5 $2500-$5000 Deductible 2670 5 Vinyl siding yes
1953 510,000 Metal Roof 2,500 4 $500 Deductible 2540 8 Brick siding yes
1953 315,000 Tile Roof 1,640 3 $500 Deductible 2160 9 Fiber-Cement Siding yes
1969 305,000 Membrane Roof 1,980 4 $5000 to $10,000 Deductible 550 4 Stucco siding No
1979 570,000 Tile Roof 3,670 5 $500- $1000 Deductible 4060 12 Stone Siding No
1964 425,000 Shingles Roof 2,400 4 $2500-$5000 Deductible 450 2 Vinyl siding yes
1951 715,000 Asphalt Shingles Roof 3,330 4 $1000-$2500 Deductible 4780 9 Stucco siding yes
1978 760,000 Asphalt Shingles Roof 3,570 5 $500- $1000 Deductible 2950 5 Vinyl siding yes
1952 450,000 Tile Roof 2,920 4 $1000-$2500 Deductible 800 3 Brick siding No
1968 365,000 Shingles Roof 1,940 5 $500 Deductible 250 1 Fiber-Cement Siding No
1942 415,000 Membrane Roof 1,920 4 $5000 to $10,000 Deductible 1980 9 Brick siding No
1976 940,000 Asphalt Shingles Roof 4,730 5 $5000 to $10,000 Deductible 3400 6 Stucco siding yes
1954 515,000 Metal Roof 3,430 5 $500 Deductible 1860 5 Vinyl siding yes
1942 285,000 Membrane Roof 1,740 3 $5000 to $10,000 Deductible 210 1 Stone Siding No
1951 525,000 Asphalt Shingles Roof 2,990 4 $500 Deductible 2410 5 Vinyl siding No