Long Beach, NY Home Insurance - Analysis On Quotes, Rates & Agents
Long Beach Insurance Rates:
Long Beach, NY homeowners insurance is approximately $563 to $767, about $46-$63/month. Our complete guide indicates shoppers can save as much as $266 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Long Beach, NY Homeowners Insurance By Home Value
| Long Beach, NY Home Value | Total Homes | % of Total | Average Long Beach, NY Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 77 | 3.0% | $33 |
| $150,000 to $174,999 | 75 | 3.0% | $212 |
| $175,000 to $199,999 | 46 | 1.0% | $246 |
| $200,000 to $249,999 | 286 | 11.0% | $299 |
| $250,000 to $299,999 | 288 | 11.0% | $365 |
| $300,000 to $399,999 | 1,575 | 65.0% | $465 |
Top Home Insurance Agents Near Long Beach, NY
| Home Insurance Company Near Long Beach, NY | Homeowners Insurance Agency Near Long Beach, NY | Address |
|---|---|---|
| NA | Gallagher Bollinger - Creative Agency Group | 15 West Main Street, Rt 520 Holmdel, Holmdel Township, NJ, 7733 |
| NA | Afi Associates, Inc. D/B/A The Koch-Glacken Agency | 208 Route 109 Suite 110, Farmingdale, NY, 11735 |
| State Farm | Al Vitiello | 3 Liberty Square Mall, Stony Point, NY, 10980-2400 |
| Travelers | County Agency Inc | 2063 BARNUM AVE, STRATFORD, CT, 6615 |
| Travelers | G&S Financial Services Llc | 290 LAFAYETTE AVENUE, HAWTHORNE, NJ, 7507 |
Long Beach, NY Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Long Beach, NY
| Streets in Long Beach Area | Homeowners Insurance Cost |
|---|---|
| W Bay Dr, August Walk, New Hampshire St, Dalton St, Illinois Ave, Floridian Ct, E Market St, Ocean View Ave, Riverside Blvd, W Beech St | $662 |
| E Bay Dr, Oceanfront St, E State St, Oceanview St, Oceanfront St, December Walk, Curley St, E Hudson St, Florida St, E Harrison St | $675 |
| Birch Ct, W Walnut St, W Beech St, January Walk, E Fulton St, Minnesota Ave, Water St, Georgia Ave, Magnolia Blvd, E Hudson St | $678 |
| E Olive St, Maple Blvd, Pacific Blvd, E Walnut St, Tennessee Ave, Vermont St, Forester St, Monroe Blvd, W Market St, W Market St | $677 |
| October Walk, Oceanview St, Ocean View Ave, Michigan St, Lafayette Blvd, Sunrise Walk, Harmon St, Washington Blvd, Louisiana St, Riverside Blvd | $661 |
Long Beach, NY Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Long Beach | $99 to $102 |
| Harbor Isle | $99 |
| Island Park | $97 |
| Barnum Island | $100 |
Long Beach, 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 |
|---|---|---|---|
| Harbor Isle CDP, New York | $83 | $111 | $166 |
| Island Park village, New York | $81 | $108 | $162 |
| Barnum Island CDP, New York | $84 | $112 | $168 |
Long Beach, NY Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Long Beach, NY | 1.9% | 5.5% |
| Harbor Isle | 2.1% | 5.54% |
| Island Park | 1.76% | 5.42% |
| Barnum Island | 1.73% | 5.59% |
Long Beach Renters Insurance as a Percentage of Rent
| Long Beach Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 131 | 2.0% | $313 |
| $200 to $299 | 100 | 1.0% | $763 |
| $300 to $499 | 333 | 5.0% | $1213 |
| $500 to $749 | 230 | 3.0% | $1888 |
| $750 to $999 | 298 | 4.0% | $2638 |
| $1,000 to $1,499 | 1,504 | 24.0% | $3763 |
| $1,500 or more | 3,510 | 57.0% | $5413 |
Long Beach, NY Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $3,700 |
| Yearly Long Beach Homeowner Insurance Premium Example | $4,900 | $4,400 |
| Out of Pocket Expense During Claim | $1,700 | $3,700 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $31,100 | $30,100 |
| Net Savings to Long Beach Home Owner from High Deductible Plan | $1,000 | |
Long Beach, NY Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Long Beach, NY Home Replacement Value MORE than Home Value | Long Beach, NY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $551,000 | $424,000 |
| Insurance Premium based on Replacement Value | $6,275 | $4,825 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $47,000 | Risk Exposure from Under Insuring Coverage is $80,000 |
| Premium Impact | Insurance cheaper by $900/year | Insurance costlier by $550/year |
Example Long Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 389 | 665 | 362 |
| Year Built | 1972 | 1948 | 1950 |
| Home Details | 4 Beds, 2 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $500000-$600000 | More than 10000000 | $350000-$400000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500 Deductible |
Sample Home Insurance Rates for Long Beach, NY from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1978 | 625,000 | Shingles Roof | 2,320 | 4 | $500 Deductible | 4240 | 7 | Fiber-Cement Siding | yes |
| 1966 | 745,000 | Slate Shingles Roof | 2,620 | 5 | $500 Deductible | 10200 | 12 | Stucco siding | yes |
| 1971 | 285,000 | Membrane Roof | 1,440 | 3 | $500- $1000 Deductible | 1850 | 8 | Stucco siding | yes |
| 1974 | 1,080,000 | Asphalt Shingles Roof | 4,950 | 5 | $1000-$2500 Deductible | 5240 | 7 | Vinyl siding | No |
| 1951 | 610,000 | Metal Roof | 3,170 | 5 | $500 Deductible | 3180 | 6 | Stucco siding | No |
| 1941 | 1,020,000 | Tile Roof | 4,040 | 5 | $1000-$2500 Deductible | 1620 | 2 | Brick siding | yes |
| 1943 | 245,000 | Slate Shingles Roof | 1,200 | 3 | > $10,000 Deductible | 600 | 5 | Stone Siding | yes |
| 1953 | 1,325,000 | Wood Shake Roof | 4,970 | 5 | > $10,000 Deductible | 4200 | 9 | Fiber-Cement Siding | No |
| 1974 | 445,000 | Shingles Roof | 1,980 | 4 | $2500-$5000 Deductible | 1580 | 8 | Brick siding | yes |
| 1965 | 495,000 | Membrane Roof | 2,470 | 5 | $5000 to $10,000 Deductible | 2090 | 7 | Fiber-Cement Siding | No |
| 1965 | 1,350,000 | Membrane Roof | 4,850 | 5 | > $10,000 Deductible | 3060 | 7 | Brick siding | No |
| 1956 | 515,000 | Composition Roof | 2,240 | 5 | > $10,000 Deductible | 2020 | 7 | Fiber-Cement Siding | yes |
| 1966 | 590,000 | Wood Shake Roof | 2,150 | 4 | $500- $1000 Deductible | 6020 | 10 | Wood siding | yes |
| 1964 | 815,000 | Metal Roof | 4,050 | 5 | $2500-$5000 Deductible | 3970 | 10 | Vinyl siding | yes |
| 1941 | 750,000 | Composition Roof | 3,140 | 5 | $1000-$2500 Deductible | 3920 | 7 | Brick siding | yes |
| 1972 | 395,000 | Shingles Roof | 1,520 | 2 | $5000 to $10,000 Deductible | 420 | 2 | Stucco siding | yes |
| 1945 | 795,000 | Tile Roof | 3,930 | 5 | $500 Deductible | 5300 | 10 | Stucco siding | No |
| 1950 | 760,000 | Shingles Roof | 2,700 | 4 | $1000-$2500 Deductible | 3190 | 7 | Wood siding | yes |
| 1952 | 470,000 | Slate Shingles Roof | 1,710 | 2 | $2500-$5000 Deductible | 1180 | 4 | Brick siding | No |
| 1953 | 340,000 | Tile Roof | 1,700 | 3 | $500 Deductible | 1500 | 8 | Stucco siding | No |
| 1972 | 660,000 | Asphalt Shingles Roof | 2,340 | 3 | $500- $1000 Deductible | 4270 | 8 | Vinyl siding | yes |
| 1940 | 545,000 | Composition Roof | 2,260 | 3 | $500 Deductible | 370 | 1 | Stucco siding | No |
| 1955 | 545,000 | Membrane Roof | 2,080 | 3 | $2500-$5000 Deductible | 2410 | 6 | Stone Siding | No |
| 1969 | 505,000 | Composition Roof | 1,800 | 4 | $500- $1000 Deductible | 790 | 2 | Wood siding | No |
| 1966 | 225,000 | Composition Roof | 1,200 | 2 | $500- $1000 Deductible | 1170 | 7 | Stucco siding | No |
| 1943 | 310,000 | Asphalt Shingles Roof | 1,290 | 3 | $2500-$5000 Deductible | 1090 | 6 | Stone Siding | yes |
| 1955 | 530,000 | Slate Shingles Roof | 2,240 | 5 | $5000 to $10,000 Deductible | 1980 | 9 | Wood siding | yes |
| 1940 | 550,000 | Metal Roof | 2,250 | 5 | $5000 to $10,000 Deductible | 520 | 2 | Vinyl siding | yes |
| 1949 | 515,000 | Slate Shingles Roof | 2,010 | 4 | $1000-$2500 Deductible | 1060 | 4 | Stucco siding | No |
| 1944 | 415,000 | Asphalt Shingles Roof | 1,540 | 2 | $500- $1000 Deductible | 2640 | 9 | Stone Siding | No |
| 1951 | 500,000 | Tile Roof | 1,820 | 5 | $2500-$5000 Deductible | 1430 | 6 | Brick siding | No |
| 1961 | 525,000 | Tile Roof | 1,890 | 3 | $2500-$5000 Deductible | 1390 | 3 | Vinyl siding | yes |
| 1973 | 455,000 | Membrane Roof | 1,650 | 2 | $2500-$5000 Deductible | 2850 | 10 | Wood siding | yes |
| 1941 | 465,000 | Shingles Roof | 2,090 | 3 | $1000-$2500 Deductible | 4240 | 12 | Wood siding | yes |
Latest Home Insurance Reviews
GeicoThese vary depending on which partner company underwrites the policy. Before committing to a purchase through Geico, it’s a good idea to do some research into the company you’d actually be buying the policy from.
Progressivei am really happy with this company because this company is offered 25% discount and my rate of this company is 3 i am happy
AllstateI am completely satisfied with my home insurance company. They help me with my every need. When I need help ther are always there to help.
AllstateAllstate seems to offer what all of the other companies offer. They offered a discount to cover our cars as well, so we use them also for car insurance. We do not have flood insurance, but otherwise se seem to be "fully insured."
State FarmI would recommend State Farm. They are a good company, eager to help and the rates are very reasonable. They reward loyalty.
AllstateAllstate offers it. Their coverage is considered average across the board when comparing home insurance companies, however they offer more than typically in the discount category.
State FarmThe deductible is high, every time we had a any work done, our deductible was very high, but I think State Farm is cheaper than Geico from what other people say.
Erie InsuranceErie does have a very good customer service that works all day
UsaaI like that my rates are reasonable for the coverage i receive. i do not have the best home insurance in the country but i am able to feel protected and my needs are taken care of.
AllstateWish they had longer business hours or more weekend hours. i work a lot and some of their business hours do not work around my busy schedule to contact them.
AaaCovers large damages that may be harder to cover with a standard bank account. saves homeowners a lot of money in the long run
AllstateEverything is done in san Antonio so if you have a large check to cash you have to mail it in. There are no branch offices for convenience.
UsaaI like that it's easy to navigate. At times it can be slow but when it's working. I love how easy and how you can also call through the app.
UsaaI have never filed homeowners claim but have a car claim and it was extremely easy.
UsaaThey are always professional when interacting and I have had no issues. They seem to be empowered to make decisions and solve issues.
AllstateI don't know what other companies charge for similar coverage but I would always like to pay less
AllstateI would recommend it because of all the support and the prices isn't to high to pay for , there a good company to be with and there top rated the best.