Oceanside, NY Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Oceanside, NY | 1.8% | 5.5% |
| Hempstead | 1.76% | 5.44% |
| Bay Park | 1.97% | 5.38% |
| East Rockaway | 1.63% | 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 Deductible | High 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 | Allstate | Amica Mutual Insurance Company | Erie Insurance |
| Monthly Premium | 345 | 307 | 406 |
| Year Built | 1946 | 1957 | 1970 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $600000-$700000 | More 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 FarmI 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 FarmI 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 FarmI 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.
GeicoYou 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 InsuranceErie (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 MutualCompared 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.
UsaaA 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.
ProgressiveProgressive 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 CompanyNot very good at sending a notice when the time for annual renewal of the policy. never provide additional information regarding deductions.
GeicoThere is a 24 hour service hotline in case of an emergency after hours i would be able to contact someone immediately to get help.
ProgressiveHonestly, 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.
UsaaI 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 FarmI 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 CompanyI 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.
AllstateHave not had to file a claim yet but my experience signing up was very helpful and quick during stressful home buying time.
AaaI 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.