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.

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Latest Home Insurance Reviews

Amica Mutual Insurance
Amica 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 Farm
The 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.
Allstate
I like how allstate has personal service from local agents and that they have good customer service.
Erie Insurance
Erie 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.
Usaa
The 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 Farm
They 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 Insurance
The 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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Melville, NY1.7%5.8%
Wheatley Heights1.93%5.46%
South Huntington1.85%5.47%
West Hills1.7%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 DeductibleHigh 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 InsuranceGEICO InsuranceState Farm
Monthly Premium 191706360
Year Built 200920101963
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 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
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