Melville, NY Home Insurance - Analysis On Quotes, Rates & Agents
Melville Insurance Rates:
Melville, NY homeowners insurance is approximately $586 to $804, about $48-$67/month. Our thorough analysis shows customers can save as much as $278 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Amica Mutual InsuranceAmica has very knowledgeable customer service agents and they are always friendly when i have to call them for a question. they give me very personal service.
State FarmThe one time in the last 21 years that we've had our policy with state farm and needed to make a claim, they were not very prompt at coming out to look at our damage and settle our claim.
AllstateI like how allstate has personal service from local agents and that they have good customer service.
Erie InsuranceErie seems to genuinely care about its customers and their wellbeing. They understand that any time an insurance claim is necessary it can be a very stressful process and their customer service handles things exceptionally well and alleviates much of the stress. Erie handles claims quickly and with a high level of expertise.
UsaaThe only issues I don't like is that they are not 24 hours like navy federal. I wish I could call them anytime I had a question. I live in Hawaii so time difference is a big issue.
State FarmThey raised my premiums after a readjustment. I feel cheated because we negotiated the price and I chose them based on the initial price
Farmer's InsuranceThe website is mostly user-friendly and you can find information easily. There are easily identifiable tabs and buttons. It works well.
Melville, NY Homeowners Insurance By Home Value
| Melville, NY Home Value | Total Homes | % of Total | Average Melville, NY Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 99 | 10.0% | $20 |
| $50,000 to $59,999 | 14 | 1.0% | $55 |
| $80,000 to $89,999 | 63 | 6.0% | $90 |
| $90,000 to $99,999 | 44 | 4.0% | $97 |
| $100,000 to $124,999 | 16 | 1.0% | $118 |
| $125,000 to $149,999 | 117 | 12.0% | $145 |
| $150,000 to $174,999 | 120 | 12.0% | $173 |
| $175,000 to $199,999 | 58 | 6.0% | $201 |
| $200,000 to $249,999 | 70 | 7.0% | $236 |
| $250,000 to $299,999 | 26 | 2.0% | $291 |
| $300,000 to $399,999 | 291 | 31.0% | $375 |
Top Home Insurance Agents Near Melville, NY
| Home Insurance Company Near Melville, NY | Homeowners Insurance Agency Near Melville, NY | Address |
|---|---|---|
| NA | Garri D. Tabachnik D/B/A G.T. International Ins Agency | 24 Maplewood Rd , Hartsdale, NY, 10530 |
| NA | Group Health Solutions, Inc. | 148 Madison Ave Fl 15 New York, NYC, NY, 10016 |
| Travelers | A & S Insurance Llc | 511 ORANGE ST, NEW HAVEN, CT, 6511 |
| Liberty Mutual | Allia Ghanim | 171 Lake Street Ste 1, Ramsey, NJ, 7446 |
| Allstate | Colin Wheeler | 971 Rossville Ave, Staten Island, NY, 10309 |
Cost Of Homeowners Insurance By Street Near Melville, NY
| Streets in Melville Area | Homeowners Insurance Cost |
|---|---|
| Court North Dr, Rasmussen Pl, Avalon Ct Dr, Echo Ln, Caxton St, Savoy Dr, Cypress Pl, Jagger, Earl Rd, Villas Cir | $679 |
| Northgate Cir, Skyview Pl, Peconic Ct, Riga Ln, Sunderland St, Frostfield Pl, Moore Pl, Rainer St, King Ave, Pineridge St | $688 |
| Bensin Dr, Ruland Pl, Burns Ave, Finn Ct, Old E Neck Rd, Twilight Ct, Alley Pond Ct, Homewood Ln, Legends Cir, Quintree Ln | $728 |
| Bardini Dr, Croton Ct, Arden Ct, Dunford St, Rawlings Dr, Kirkwood Ct, Bondsburry Ln, Faulkner Ln, Mount Misery Rd, Cody Dr | $721 |
| Briar Ct, Ardmore Ave, Madeira Blvd, Twelvepence Ct, Randi Ct, Blueberry Ct, Cranberry Ct, Kiesel Ct, Leaf Ct, Hadley Pl | $689 |
Melville, NY Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Melville | $103 to $105 |
| Wheatley Heights | $98 |
| West Hills | $102 |
| Wyandanch | $93 |
Melville, 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 |
|---|---|---|---|
| Wheatley Heights CDP, New York | $82 | $109 | $164 |
| South Huntington CDP, New York | $82 | $109 | $164 |
| West Hills CDP, New York | $86 | $114 | $171 |
Melville, 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 |
|---|---|---|
| Melville, NY | 1.7% | 5.8% |
| Wheatley Heights | 1.93% | 5.46% |
| South Huntington | 1.85% | 5.47% |
| West Hills | 1.7% | 5.69% |
Melville Renters Insurance as a Percentage of Rent
| Melville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 38 | 3.0% | $749 |
| $300 to $499 | 40 | 4.0% | $1199 |
| $500 to $749 | 42 | 4.0% | $1874 |
| $750 to $999 | 72 | 7.0% | $2624 |
| $1,000 to $1,499 | 122 | 12.0% | $3749 |
| $1,500 or more | 643 | 66.0% | $5399 |
Melville, NY Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $4,600 |
| Yearly Melville Homeowner Insurance Premium Example | $10,000 | $9,000 |
| Out of Pocket Expense During Claim | $1,600 | $4,600 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $41,600 | $40,600 |
| Net Savings to Melville Home Owner from High Deductible Plan | $1,000 | |
Melville, NY Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Melville, NY Home Replacement Value MORE than Home Value | Melville, NY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $616,500 | $363,500 |
| Insurance Premium based on Replacement Value | $7,275 | $4,300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $114,500 | Risk Exposure from Under Insuring Coverage is $138,500 |
| Premium Impact | Insurance cheaper by $1,625/year | Insurance costlier by $1,350/year |
Example Melville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Erie Insurance | GEICO Insurance | State Farm |
| Monthly Premium | 191 | 706 | 360 |
| Year Built | 2009 | 2010 | 1963 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $300000-$350000 | $700000-$800000 | $800000-$900000 |
| Deductible | $5000 to $10,000 Deductible | $500 Deductible | > $10,000 Deductible |
Sample Home Insurance Rates for Melville, NY from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2014 | 455,000 | Composition Roof | 1,610 | 3 | $2500-$5000 Deductible | 290 | 1 | Stone Siding | yes |
| 1977 | 1,590,000 | Metal Roof | 4,680 | 5 | > $10,000 Deductible | 1420 | 3 | Stucco siding | No |
| 2012 | 740,000 | Wood Shake Roof | 2,770 | 5 | $500 Deductible | 1670 | 4 | Stone Siding | yes |
| 1974 | 690,000 | Shingles Roof | 2,130 | 4 | $2500-$5000 Deductible | 2050 | 5 | Vinyl siding | No |
| 1973 | 785,000 | Membrane Roof | 2,400 | 5 | $500- $1000 Deductible | 5110 | 9 | Brick siding | No |
| 1970 | 605,000 | Membrane Roof | 1,880 | 3 | $5000 to $10,000 Deductible | 720 | 2 | Stone Siding | No |
| 1973 | 940,000 | Shingles Roof | 3,440 | 5 | $1000-$2500 Deductible | 1750 | 3 | Brick siding | No |
| 2010 | 590,000 | Metal Roof | 1,680 | 4 | $2500-$5000 Deductible | 3890 | 9 | Vinyl siding | No |
| 2002 | 1,245,000 | Slate Shingles Roof | 3,720 | 5 | $500 Deductible | 670 | 1 | Fiber-Cement Siding | No |
| 1976 | 765,000 | Asphalt Shingles Roof | 3,140 | 4 | $500 Deductible | 3050 | 6 | Stone Siding | No |
| 2009 | 700,000 | Metal Roof | 2,110 | 4 | $500- $1000 Deductible | 430 | 1 | Brick siding | No |
| 2000 | 650,000 | Metal Roof | 2,330 | 3 | $2500-$5000 Deductible | 350 | 1 | Stucco siding | No |
| 2000 | 575,000 | Asphalt Shingles Roof | 1,940 | 3 | $1000-$2500 Deductible | 2840 | 6 | Stucco siding | yes |
| 1974 | 1,120,000 | Membrane Roof | 3,120 | 5 | > $10,000 Deductible | 2330 | 5 | Stucco siding | No |
| 1975 | 585,000 | Composition Roof | 2,080 | 4 | $500- $1000 Deductible | 2180 | 6 | Stucco siding | yes |
| 2006 | 655,000 | Membrane Roof | 2,330 | 5 | $1000-$2500 Deductible | 2980 | 6 | Wood siding | yes |
| 2008 | 445,000 | Asphalt Shingles Roof | 1,760 | 4 | $5000 to $10,000 Deductible | 610 | 3 | Brick siding | yes |
| 2010 | 375,000 | Tile Roof | 1,420 | 3 | $5000 to $10,000 Deductible | 730 | 3 | Fiber-Cement Siding | No |
| 2006 | 430,000 | Membrane Roof | 1,730 | 4 | $2500-$5000 Deductible | 2370 | 10 | Wood siding | yes |
| 1968 | 740,000 | Slate Shingles Roof | 2,310 | 3 | $5000 to $10,000 Deductible | 2900 | 8 | Stone Siding | No |
| 1975 | 370,000 | Slate Shingles Roof | 1,380 | 3 | $500- $1000 Deductible | 470 | 2 | Wood siding | yes |
| 1963 | 660,000 | Slate Shingles Roof | 2,690 | 4 | > $10,000 Deductible | 2600 | 9 | Vinyl siding | No |
| 1969 | 440,000 | Tile Roof | 1,280 | 3 | $5000 to $10,000 Deductible | 2770 | 10 | Stucco siding | yes |
| 2012 | 715,000 | Shingles Roof | 2,090 | 3 | $5000 to $10,000 Deductible | 1970 | 5 | Stucco siding | No |
| 1962 | 1,250,000 | Tile Roof | 4,190 | 5 | $5000 to $10,000 Deductible | 910 | 2 | Stucco siding | No |
| 1967 | 1,055,000 | Membrane Roof | 3,630 | 5 | > $10,000 Deductible | 4490 | 9 | Fiber-Cement Siding | yes |
| 1969 | 585,000 | Slate Shingles Roof | 1,730 | 5 | > $10,000 Deductible | 2560 | 9 | Vinyl siding | yes |
| 1960 | 515,000 | Slate Shingles Roof | 1,480 | 3 | $500 Deductible | 3780 | 12 | Stone Siding | yes |
| 1966 | 410,000 | Composition Roof | 1,410 | 3 | > $10,000 Deductible | 320 | 2 | Wood siding | No |
| 1973 | 780,000 | Shingles Roof | 2,750 | 4 | $500 Deductible | 4150 | 7 | Fiber-Cement Siding | No |
| 2010 | 510,000 | Asphalt Shingles Roof | 1,960 | 3 | $2500-$5000 Deductible | 390 | 1 | Brick siding | No |
| 1967 | 800,000 | Slate Shingles Roof | 2,520 | 5 | $500 Deductible | 1540 | 2 | Fiber-Cement Siding | No |
| 1976 | 850,000 | Shingles Roof | 2,830 | 5 | $500 Deductible | 3750 | 5 | Stucco siding | No |
| 2014 | 330,000 | Tile Roof | 1,220 | 3 | $1000-$2500 Deductible | 2150 | 10 | Fiber-Cement Siding | No |