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Mount Vernon, NY Home Values & Insurance Rates

Mount Vernon, NY Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 107 2.0% $38
$60,000 to $69,999 135 2.0% $97
$70,000 to $79,999 118 2.0% $116
$80,000 to $89,999 155 3.0% $129
$90,000 to $99,999 215 4.0% $149
$100,000 to $124,999 395 8.0% $168
$125,000 to $149,999 206 4.0% $213
$150,000 to $174,999 337 7.0% $252
$175,000 to $199,999 296 6.0% $291
$200,000 to $249,999 488 10.0% $356
$250,000 to $299,999 414 8.0% $434
$300,000 to $399,999 1,804 38.0% $550

Top Home Insurance Agents Near Mount Vernon, NY

Home Insurance Company Near Mount Vernon, NY Homeowners Insurance Agency Near Mount Vernon, NY Address
NA Donovan & Associates, Inc. 1819 E 36Th St Brooklyn, NYC, NY, 11234
Allstate Barry Mednick 544 Woodbury Rd, Plainview, NY, 11803
Travelers Bertholon-Rowland Corporation 100 BROADWAY #400, NEW YORK, NY, 10005
Travelers Oxford Insurance Agency Group Ltd 400 Oser Ave, Hauppauge, NY, 11788
Travelers Willis Insurance Services Of California Inc 1040 AVENUE OF THE AMERICAS, NEW YORK, NY, 10281

Mount Vernon, NY 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
Mount Vernon, NY2.0%5.4%
Pelham1.47%5.88%
Bronxville1.56%6.23%
Pelham Manor1.5%5.99%

Mount Vernon Renters Insurance as a Percentage of Rent

Mount Vernon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 296 1.0% $771
$300 to $499 802 5.0% $1221
$500 to $749 1,408 8.0% $1896
$750 to $999 3,281 20.0% $2646
$1,000 to $1,499 6,834 43.0% $3771
$1,500 or more 3,160 20.0% $5421

Mount Vernon, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Mount Vernon Homeowner Insurance Premium Example $2,000$1,600
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $17,000$15,800
Net Savings to Mount Vernon Home Owner from High Deductible Plan $1,200

Mount Vernon, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Mount Vernon, NY Home Replacement Value MORE than Home Value Mount Vernon, NY Home Replacement Value LESS than Home Value
Replacement Value $677,500 $406,500
Insurance Premium based on Replacement Value $8,000 $4,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $135,500 Risk Exposure from Under Insuring Coverage is $135,500
Premium Impact Insurance cheaper by $1,600/year Insurance costlier by $1,600/year

Example Mount Vernon Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 151284326
Year Built 195019621940
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $150000-$175000$300000-$350000$350000-$400000
Deductible $500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Mount Vernon, NY Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Pelham town, Westchester County, New York $106 $141 $212
Bronxville village, New York $112 $149 $224
Pelham Manor village, New York $108 $144 $216

Sample Home Insurance Rates for Mount Vernon, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 280,000 Metal Roof 1,690 3 $500- $1000 Deductible 1850 9 Brick siding yes
1966 445,000 Asphalt Shingles Roof 2,480 4 $1000-$2500 Deductible 1370 5 Vinyl siding yes
1943 195,000 Membrane Roof 910 2 $500 Deductible 1660 10 Wood siding No
1957 250,000 Wood Shake Roof 1,540 2 $500 Deductible 2030 9 Stucco siding yes
1967 385,000 Slate Shingles Roof 2,310 3 $500 Deductible 400 1 Wood siding No
1958 375,000 Composition Roof 1,590 3 $2500-$5000 Deductible 1730 8 Brick siding yes
1944 290,000 Slate Shingles Roof 1,670 2 $1000-$2500 Deductible 1200 6 Stone Siding yes
1950 220,000 Tile Roof 1,340 3 $1000-$2500 Deductible 1330 10 Brick siding No
1943 275,000 Composition Roof 1,370 2 $5000 to $10,000 Deductible 1130 8 Stone Siding No
1953 390,000 Metal Roof 2,420 4 $2500-$5000 Deductible 3130 10 Brick siding No
1966 270,000 Membrane Roof 1,460 3 $500- $1000 Deductible 1230 5 Stone Siding yes