Oceanside Insurance Rates:

Oceanside, NY homeowners insurance is roughly $557 to $756, about $46-$63/month. Our exhaustive analysis reveals consumers can save as much as $262 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Oceanside, NY Homeowners Insurance By Home Value

Oceanside, NY Home Value Total Homes % of Total Average Oceanside, NY Homeowners Insurance
Less than $50,000 174 5.0% $32
$80,000 to $89,999 38 1.0% $118
$150,000 to $174,999 63 2.0% $229
$200,000 to $249,999 107 3.0% $321
$250,000 to $299,999 401 13.0% $400
$300,000 to $399,999 2,130 70.0% $505

Top Home Insurance Agents Near Oceanside, NY

Home Insurance Company Near Oceanside, NY Homeowners Insurance Agency Near Oceanside, NY Address
NA The Lacugna Agency 165 Brookdale Ave. New Rochelle, New Rochelle, NY, 10801
Travelers Arthur J Gallagher Risk Management Svcs Inc 97 MAIN ST, CHATHAM, NJ, 7928
Travelers Lobosco Insurance Group 1003 MCBRIDE AVE, WOODLAND PARK, NJ, 7424
Allstate Moyses Ballinas 8329 Broadway, Elmhurst, NY, 11373
Allstate Vanessa Baylor 2701 Avenue U, Brooklyn, NY, 11229

Oceanside, NY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Oceanside, NY

Streets in Oceanside Area Homeowners Insurance Cost
Yost Blvd, Green Ct, Wanamaker St, Beatrice Ave, Bothner St, Lower Lincoln Ave, Soper Ave, Nicole Ct, Christopher St, Frank St$654
Howell St, Fox Ave, River Rd, Foxdale Ave, Moreland Ave, Two Brothers Ct, Tinker Dr, Brian St, Farrington Rd, Foxdale Ave$656
Bayside Ave, Chance Dr, Mann Pl, Carter Ave, Nassau Pkwy, Adeline St, Alhambra Dr, Sunnybrook Dr, Edwards St, Lake St$654
Links Dr W, Bayfield Blvd, Rockville Ct, Merle Ave, Arthur Ct, Carrel Blvd, E Lexington Ave, Reina St, Zadig St, Fortesque Ave$669
Sylvan Ct, Xavier Pl, Perkins Ave, Alfred Ct, Burger Pl, Kenilworth St, Thompson Ave, Loftus Ave, Bender St, Clive Ave$655

Oceanside, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oceanside$98 to $100
Hempstead$97
Bay Park$96
East Rockaway$99

Oceanside, 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
Hempstead town, Nassau County, New York $98 $130 $195
Bay Park CDP, New York $97 $129 $194
East Rockaway village, New York $99 $132 $198

Oceanside, 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
Oceanside, NY1.8%5.5%
Hempstead1.76%5.44%
Bay Park1.97%5.38%
East Rockaway1.63%5.49%

Oceanside Renters Insurance as a Percentage of Rent

Oceanside Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 56 5.0% $767
$300 to $499 46 4.0% $1217
$500 to $749 38 3.0% $1892
$750 to $999 29 2.0% $2642
$1,000 to $1,499 432 38.0% $3767
$1,500 or more 519 46.0% $5417

Oceanside, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$7,800
Yearly Oceanside Homeowner Insurance Premium Example $7,900$6,900
Out of Pocket Expense During Claim$800$7,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $64,000$63,000
Net Savings to Oceanside Home Owner from High Deductible Plan $1,000

Oceanside, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oceanside, NY Home Replacement Value MORE than Home Value Oceanside, NY Home Replacement Value LESS than Home Value
Replacement Value $694,500 $447,000
Insurance Premium based on Replacement Value $5,975 $3,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $91,500 Risk Exposure from Under Insuring Coverage is $156,000
Premium Impact Insurance cheaper by $1,350/year Insurance costlier by $775/year

Example Oceanside Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyErie Insurance
Monthly Premium 345307406
Year Built 194619571970
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $400000-$500000$600000-$700000More than 10000000
Deductible $500- $1000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1956 935,000 Wood Shake Roof 3,920 5 > $10,000 Deductible 4330 9 Stucco siding yes
1955 410,000 Shingles Roof 2,190 3 $5000 to $10,000 Deductible 840 4 Vinyl siding No
1946 345,000 Metal Roof 1,850 3 > $10,000 Deductible 2120 10 Stucco siding yes
1951 490,000 Membrane Roof 2,020 3 $1000-$2500 Deductible 1660 6 Fiber-Cement Siding No
1971 755,000 Composition Roof 4,230 5 > $10,000 Deductible 410 1 Brick siding No
1945 635,000 Metal Roof 2,470 4 $500- $1000 Deductible 4770 7 Vinyl siding No
1956 325,000 Tile Roof 1,410 3 $2500-$5000 Deductible 1450 8 Wood siding yes
1961 450,000 Asphalt Shingles Roof 1,860 4 $2500-$5000 Deductible 1380 5 Wood siding No
1955 470,000 Membrane Roof 1,830 3 $5000 to $10,000 Deductible 200 1 Brick siding No
1973 485,000 Slate Shingles Roof 2,230 3 $500 Deductible 600 2 Vinyl siding No
1965 315,000 Tile Roof 1,610 3 $500- $1000 Deductible 2860 10 Wood siding No
1967 570,000 Tile Roof 3,070 4 $500 Deductible 6160 12 Vinyl siding No
1941 535,000 Asphalt Shingles Roof 2,480 5 $5000 to $10,000 Deductible 3850 12 Vinyl siding yes
1974 235,000 Tile Roof 1,290 3 > $10,000 Deductible 90 1 Brick siding No
1942 730,000 Wood Shake Roof 3,150 4 $1000-$2500 Deductible 5140 10 Stucco siding yes
1974 450,000 Membrane Roof 1,830 3 $500 Deductible 1290 3 Stucco siding No
1974 630,000 Membrane Roof 3,360 4 $500- $1000 Deductible 4380 7 Stone Siding No
1942 585,000 Wood Shake Roof 2,670 4 $1000-$2500 Deductible 2580 5 Vinyl siding yes
1940 465,000 Membrane Roof 2,540 5 $1000-$2500 Deductible 1970 6 Wood siding yes
1944 400,000 Metal Roof 1,640 3 $500- $1000 Deductible 770 3 Brick siding No
1957 410,000 Metal Roof 1,850 4 $500- $1000 Deductible 4390 12 Fiber-Cement Siding No
1942 490,000 Metal Roof 2,310 4 $1000-$2500 Deductible 310 1 Stone Siding No
1973 590,000 Composition Roof 2,340 4 $2500-$5000 Deductible 4430 9 Stucco siding yes
1966 485,000 Metal Roof 2,360 5 $500- $1000 Deductible 830 2 Stone Siding yes
1951 510,000 Composition Roof 2,660 4 $5000 to $10,000 Deductible 1820 6 Fiber-Cement Siding No
1962 495,000 Metal Roof 1,960 4 $1000-$2500 Deductible 2940 9 Stucco siding yes
1940 365,000 Wood Shake Roof 1,440 3 $1000-$2500 Deductible 1860 8 Stucco siding No
1979 390,000 Membrane Roof 1,790 5 > $10,000 Deductible 130 1 Wood siding yes
1967 400,000 Shingles Roof 1,720 3 $5000 to $10,000 Deductible 2000 9 Fiber-Cement Siding No
1967 295,000 Asphalt Shingles Roof 1,210 3 $500- $1000 Deductible 1790 6 Wood siding yes
1978 220,000 Composition Roof 1,260 3 $2500-$5000 Deductible 590 6 Stucco siding No
1944 950,000 Membrane Roof 4,150 5 $2500-$5000 Deductible 4550 9 Stucco siding No
1954 530,000 Asphalt Shingles Roof 2,430 4 $2500-$5000 Deductible 720 2 Fiber-Cement Siding No

Latest Home Insurance Reviews

State Farm
I would recommend State Farm but just because they're all I've known. I guess you could say I'm a second generation customer, but have had no reason to seek other insurance providers.
State Farm
I would recommend State farm to anyone that wants a good insurance company that's in the middle of cheapest and highest. The customer service is wonderful.
State Farm
I would recommend State Farm for two reasons: their customer service, and their rates. Every experience with State Farm employees and agents has been a good one. They are efficient, super helpful, and patient.
Geico
You may be able to get affordable homeowners insurance from a Geico agent, but it won't be a Geico policy. Geico doesn't underwrite home insurance policies, but relies exclusively on a partner network. ...
Erie Insurance
Erie (Home) Insurance Group is one of the top insurers in the U.S. I've been with them now for fifteen years and have never experienced a negative issue with their customer service.
Liberty Mutual
Compared to other insurance companies ; i would say that Liberty Mutual is the best one. The reason why i tried to reach to other companies and get a lower rates ; however, i couldn't get one.
Usaa
A lot cheaper than other company's premium and deductible because they try to help out military members as much as possible. They always keep it lower than competitor's.
Progressive
Progressive insurance makes customer's lives easier with no wait times and experienced employees who can help with all of your problems.
Universal Property & Casualty Insurance Company
Not very good at sending a notice when the time for annual renewal of the policy. never provide additional information regarding deductions.
Geico
There is a 24 hour service hotline in case of an emergency after hours i would be able to contact someone immediately to get help.
Progressive
Honestly, the biggest thing I like about this company is that everything so far has just worked and I haven't had to worry about it. Which is just fine for me.
Usaa
I dislike that they do not have a proper website for me to do online bill pay or to speak to a customer service rep.
State Farm
I would like for it to be lower if that was possible but for the amount of coverage I get, I'm ok with it.
Narragansett Bay Insurance Company
I found that this company's price is very fair for the amount of coverage. Many other companies were more money and they did not even offer to come over and examine my house.
Allstate
Have not had to file a claim yet but my experience signing up was very helpful and quick during stressful home buying time.
Aaa
I would rate the customer service of AAA as a 5. I was having an issue with my rental property that I own and I was able to go to the local branch and speak to an agent.

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