Patchogue Insurance Rates:

Patchogue, NY homeowners insurance is nearly $529 to $725, about $44-$60/month. Our complete research reveals consumers can save as much as $250 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Patchogue, NY Homeowners Insurance By Home Value

Patchogue, NY Home Value Total Homes % of Total Average Patchogue, NY Homeowners Insurance
Less than $50,000 42 2.0% $50
$90,000 to $99,999 21 1.0% $194
$100,000 to $124,999 83 4.0% $225
$125,000 to $149,999 109 5.0% $282
$150,000 to $174,999 53 2.0% $332
$175,000 to $199,999 82 4.0% $382
$200,000 to $249,999 376 19.0% $463
$250,000 to $299,999 482 24.0% $570
$300,000 to $399,999 706 35.0% $721

Top Home Insurance Agents Near Patchogue, NY

Home Insurance Company Near Patchogue, NY Homeowners Insurance Agency Near Patchogue, NY Address
NA Cspan Insurance Agency Llc 9 Ascot Rd, Yonkers, NY, 10710
NA Best Insurance Services 2506 30Th Dr Apt 2A Astoria, NYC, NY, 11102
Allstate Nicholas Clarke 28 Jericho Tpke, New Hyde Park, NY, 11040
Travelers The Paris Agency Inc 3952 BRONXWOOD AVE, BRONX, NY, 10466
Travelers The Snedeker-Jenkins Agency Inc 21 GEORGE ST, MANHASSET, NY, 11030

Cost Of Homeowners Insurance By Street Near Patchogue, NY

Streets in Patchogue Area Homeowners Insurance Cost
Marshall St, Gilbert St, Fairharbor Dr, Fordham St, Mainsail Dr, Holzer Ct, S Summit Ave, Wilstan Ave, E 5th St, S Prospect Ave$628
Mulford St, Mowbray St, Eldred St, Patchogue St, Watergate Ln, W Roe Blvd, Barnes St, Northwood Ln, S Pinelake Dr, Grenville Ave$632
E Lakewood St, Fairharbor Dr, Amity St, Pine Walk, Riverview Ct, Dock St, Morrison Pl, Wiggins Ave, Argyle Ln, Lake Shore Dr$624
N Prospect Ave, Schroeder Ln, W Lakewood St, Dewitt Ave, Price St, Brightwood St, Cedar Grove Ct, Harold St, Campbell St, Terry St$625
Cedar Grove St, E 4, Newey Pl, Ketcham Ave, Oxbow Rd, Northridge St, Thorburn St, Mott St N, N Pinelake Dr, N Summit Ave$624

Patchogue, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Patchogue$93 to $96
Blue Point$97
North Patchogue$94
East Patchogue$95

Patchogue, 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
Blue Point CDP, New York $81 $108 $162
North Patchogue CDP, New York $79 $105 $158
East Patchogue CDP, New York $79 $105 $158

Patchogue, 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
Patchogue, NY2.4%5.2%
Blue Point1.94%5.4%
North Patchogue2.22%5.53%
East Patchogue2.12%5.47%

Patchogue Renters Insurance as a Percentage of Rent

Patchogue Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 42 2.0% $781
$500 to $749 92 4.0% $1906
$750 to $999 115 5.0% $2656
$1,000 to $1,499 1,127 54.0% $3781
$1,500 or more 669 32.0% $5431

Patchogue, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$5,600
Yearly Patchogue Homeowner Insurance Premium Example $2,400$1,600
Out of Pocket Expense During Claim$1,600$5,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $16,000$15,200
Net Savings to Patchogue Home Owner from High Deductible Plan $800

Patchogue, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Patchogue, NY Home Replacement Value MORE than Home Value Patchogue, NY Home Replacement Value LESS than Home Value
Replacement Value $320,000 $259,000
Insurance Premium based on Replacement Value $3,450 $2,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $350/year

Example Patchogue Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceAllstate
Monthly Premium 78266202
Year Built 198119711940
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$300000-$350000$200000-$250000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 415,000 Slate Shingles Roof 2,810 4 $1000-$2500 Deductible 1720 6 Wood siding No
1988 330,000 Membrane Roof 1,860 4 $2500-$5000 Deductible 2160 10 Wood siding No
1970 260,000 Membrane Roof 1,770 2 $500- $1000 Deductible 2040 10 Brick siding yes
1975 430,000 Composition Roof 3,040 4 $2500-$5000 Deductible 470 2 Brick siding yes
1984 375,000 Membrane Roof 2,010 3 $500- $1000 Deductible 900 4 Stucco siding yes
1966 265,000 Slate Shingles Roof 1,470 2 $500 Deductible 690 3 Stucco siding No
1982 265,000 Wood Shake Roof 2,020 3 $1000-$2500 Deductible 930 5 Stucco siding No
1961 400,000 Metal Roof 2,370 3 $500- $1000 Deductible 2110 10 Brick siding No
1943 170,000 Metal Roof 1,070 2 $1000-$2500 Deductible 1310 10 Brick siding No
1973 320,000 Wood Shake Roof 1,940 4 $500 Deductible 2360 7 Wood siding yes
1972 405,000 Shingles Roof 2,610 4 $500- $1000 Deductible 670 2 Stucco siding No
1967 300,000 Membrane Roof 2,080 3 $500- $1000 Deductible 2990 12 Wood siding yes
1979 320,000 Shingles Roof 2,000 3 $5000 to $10,000 Deductible 1350 7 Wood siding yes
1982 420,000 Composition Roof 2,450 4 > $10,000 Deductible 650 3 Vinyl siding No
1976 545,000 Metal Roof 3,390 4 $500- $1000 Deductible 2510 6 Stone Siding No
1947 285,000 Shingles Roof 2,240 3 $2500-$5000 Deductible 1360 10 Vinyl siding No
1969 255,000 Tile Roof 1,620 5 $500- $1000 Deductible 420 2 Brick siding No
1964 410,000 Composition Roof 2,410 5 $500- $1000 Deductible 320 1 Vinyl siding No
1975 480,000 Tile Roof 2,630 4 $500 Deductible 3850 7 Stucco siding No
1960 285,000 Composition Roof 1,650 3 $500 Deductible 1230 7 Wood siding No
1945 230,000 Asphalt Shingles Roof 1,850 3 $2500-$5000 Deductible 720 4 Wood siding No
1989 185,000 Tile Roof 1,020 2 $500 Deductible 700 5 Vinyl siding yes
1946 265,000 Shingles Roof 1,880 3 > $10,000 Deductible 850 7 Brick siding yes
1981 170,000 Tile Roof 1,330 3 $2500-$5000 Deductible 210 2 Vinyl siding No
1981 265,000 Tile Roof 1,880 3 > $10,000 Deductible 210 2 Vinyl siding yes
1971 340,000 Asphalt Shingles Roof 2,300 5 $2500-$5000 Deductible 1200 5 Stone Siding yes
1946 170,000 Metal Roof 1,360 2 $500- $1000 Deductible 460 4 Brick siding yes
1961 365,000 Shingles Roof 2,620 5 $500 Deductible 260 1 Stone Siding No
1941 360,000 Slate Shingles Roof 2,110 5 $500- $1000 Deductible 220 1 Fiber-Cement Siding No
1972 770,000 Slate Shingles Roof 4,410 5 $5000 to $10,000 Deductible 3380 8 Fiber-Cement Siding No
1941 685,000 Tile Roof 4,320 5 $2500-$5000 Deductible 4120 10 Brick siding yes
1947 185,000 Wood Shake Roof 1,430 2 $5000 to $10,000 Deductible 850 9 Stucco siding No
1980 350,000 Metal Roof 2,150 3 $500- $1000 Deductible 820 2 Vinyl siding No
1989 435,000 Slate Shingles Roof 2,340 3 $500- $1000 Deductible 2260 6 Wood siding No