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.

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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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Long Beach, NY1.9%5.5%
Harbor Isle2.1%5.54%
Island Park1.76%5.42%
Barnum Island1.73%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 DeductibleHigh 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 FarmFarmers InsuranceChubb Group of Insurance
Monthly Premium 389665362
Year Built 197219481950
Home Details 4 Beds, 2 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000More 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

Geico
These 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.
Progressive
i am really happy with this company because this company is offered 25% discount and my rate of this company is 3 i am happy
Allstate
I 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.
Allstate
Allstate 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 Farm
I would recommend State Farm. They are a good company, eager to help and the rates are very reasonable. They reward loyalty.
Allstate
Allstate 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 Farm
The 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 Insurance
Erie does have a very good customer service that works all day
Usaa
I 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.
Allstate
Wish 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.
Aaa
Covers large damages that may be harder to cover with a standard bank account. saves homeowners a lot of money in the long run
Allstate
Everything 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.
Usaa
I 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.
Usaa
I have never filed homeowners claim but have a car claim and it was extremely easy.
Usaa
They are always professional when interacting and I have had no issues. They seem to be empowered to make decisions and solve issues.
Allstate
I don't know what other companies charge for similar coverage but I would always like to pay less
Allstate
I 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.

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