Ronkonkoma Insurance Rates:

Ronkonkoma, NY homeowners insurance is approximately $541 to $735, about $45-$61/month. Our extensive analysis reveals consumers can save as much as $255 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I like how quick and easy it was to get homeowners insurance through geico. i completed most of this online without having to even reach out to a representative. i then had a representative go over everything i have chosen to make sure it was correct and it was painless and easy and were kind with being timely and not wasting mine.
State Farm
The autopay do not always come out when it is supposed too which can be very annoying.
Usaa
They are very easy to contact about changing plans and don't try to upsell you on anything so i feel like the cost is the best possible.
Allstate
Every time I deal with Allstate insurance the agents answer my question fast and the one time I had a problem they had it fixed in no time.
Usaa
I think our premium is a good price. We also get a discount if we pay ahead for 6 months or annually. I love that my insurance provider offers this.
Union Mutual
We had a claim on our insurance last year. I was apprehensive given horror stories I had heard about people trying to make claims with their insurances. The agent was not only quick with the claim but incredibly polite and helpful. He went out of his way to answer the many questions I had.
Usaa
We have used them for years and have had no issues what so ever.

Ronkonkoma, NY Homeowners Insurance By Home Value

Ronkonkoma, NY Home Value Total Homes % of Total Average Ronkonkoma, NY Homeowners Insurance
Less than $50,000 68 1.0% $38
$100,000 to $124,999 51 1.0% $191
$150,000 to $174,999 81 2.0% $287
$175,000 to $199,999 51 1.0% $331
$200,000 to $249,999 366 10.0% $395
$250,000 to $299,999 520 15.0% $484
$300,000 to $399,999 2,275 66.0% $618

Top Home Insurance Agents Near Ronkonkoma, NY

Home Insurance Company Near Ronkonkoma, NY Homeowners Insurance Agency Near Ronkonkoma, NY Address
NA George V. Bullen & Sons, Inc. 63 Forest Ave , Locust Valley, NY, 11560
Farmers Anthony Costello 114 S Farview Ave, Paramus, NJ, 7652
Allstate Edmundo Dasilva 716 Danbury Rd Fl 1, Ridgefield, CT, 6877
Liberty Mutual Independent Kron Associates Inc 2083 Jericho Tpke Ste 201 , East Northport, NY, 11731
Travelers Usi Insurance Services Llc 333 WESTCHESTER AVE STE 102, WHITE PLAINS, NY, 10604

Cost Of Homeowners Insurance By Street Near Ronkonkoma, NY

Streets in Ronkonkoma Area Homeowners Insurance Cost
Dominion Blvd, Parr Dr, Louis Kossuth Ave, Wainwright St, Parkway Blvd, 2 Ct, Feureisen Ave, Easton St, Pamlico Ave, Alexander Ct$641
Forest Ct, Old Rosevale Ave, Trade Zone Ct, Hamel Ln, Springdale Dr, Raynor Ave, Beaver Ln, Fairway Ln, S 1st St, Paul Pl$633
N 7, Turul Pl, N 2nd St, Uncas St, W Sixth St, May Ct, Union Pkwy, Millers Ct, 1st Ct, Easton St$632
S 2nd St, Lake Shore Dr, Pamlico Ave, Peconic St, Shelter Rd, Teddy Ct, Beachview Pl, Hanson Pl, Laurel Blvd, Eastview Rd$640
Collington Dr, Seneca St, Filnt Pl, N 3, Magua St, Arrival Ave, Deer Rd, Central Islip Blvd, Matice Pl, Pawnee St$640

Ronkonkoma, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ronkonkoma$95 to $98
Bohemia$97
Lake Ronkonkoma$95
Islandia$94

Ronkonkoma, 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
Bohemia CDP, New York $97 $129 $194
Lake Ronkonkoma CDP, New York $95 $127 $191
Islandia village, New York $95 $126 $189

Ronkonkoma, 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
Ronkonkoma, NY2.1%5.3%
Bohemia1.95%5.39%
Lake Ronkonkoma2.03%5.32%
Islandia1.81%5.26%

Ronkonkoma Renters Insurance as a Percentage of Rent

Ronkonkoma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 86 6.0% $1901
$750 to $999 52 4.0% $2651
$1,000 to $1,499 552 42.0% $3776
$1,500 or more 592 45.0% $5426

Ronkonkoma, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$6,100
Yearly Ronkonkoma Homeowner Insurance Premium Example $4,100$3,100
Out of Pocket Expense During Claim$1,100$6,100
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $25,700$24,700
Net Savings to Ronkonkoma Home Owner from High Deductible Plan $1,000

Ronkonkoma, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ronkonkoma, NY Home Replacement Value MORE than Home Value Ronkonkoma, NY Home Replacement Value LESS than Home Value
Replacement Value $437,500 $259,000
Insurance Premium based on Replacement Value $3,575 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $91,000 Risk Exposure from Under Insuring Coverage is $87,500
Premium Impact Insurance cheaper by $700/year Insurance costlier by $750/year

Example Ronkonkoma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyGEICO Insurance
Monthly Premium 243279152
Year Built 199019761983
Home Details 4 Beds, 2 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$400000-$500000$250000-$300000
Deductible > $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 250,000 Metal Roof 1,660 5 > $10,000 Deductible 290 3 Brick siding No
1976 295,000 Metal Roof 1,540 2 $2500-$5000 Deductible 1320 8 Stone Siding yes
1997 445,000 Composition Roof 2,820 4 $2500-$5000 Deductible 1770 5 Vinyl siding yes
1978 350,000 Shingles Roof 1,730 4 > $10,000 Deductible 980 5 Vinyl siding yes
1990 635,000 Slate Shingles Roof 3,910 5 $5000 to $10,000 Deductible 1370 4 Stone Siding yes
1987 325,000 Membrane Roof 2,100 3 $500- $1000 Deductible 790 4 Brick siding No
1982 225,000 Tile Roof 1,190 2 $5000 to $10,000 Deductible 530 3 Brick siding yes
1979 245,000 Shingles Roof 1,520 3 > $10,000 Deductible 1370 12 Wood siding yes
1993 330,000 Metal Roof 1,630 2 $500 Deductible 230 1 Brick siding No
1973 375,000 Membrane Roof 1,750 2 $500- $1000 Deductible 1840 6 Vinyl siding No
1970 385,000 Shingles Roof 2,650 4 $500 Deductible 890 4 Brick siding yes
1985 290,000 Wood Shake Roof 1,740 5 > $10,000 Deductible 680 6 Stone Siding No
1985 405,000 Composition Roof 2,020 3 > $10,000 Deductible 2420 12 Stucco siding yes
1995 525,000 Asphalt Shingles Roof 3,230 4 $500- $1000 Deductible 1660 5 Stone Siding No
1978 445,000 Tile Roof 2,240 4 $1000-$2500 Deductible 1660 6 Brick siding No
1981 245,000 Composition Roof 1,410 3 $500 Deductible 410 2 Stone Siding No
1983 295,000 Composition Roof 1,500 3 $2500-$5000 Deductible 340 2 Vinyl siding No
1978 295,000 Membrane Roof 1,560 3 $2500-$5000 Deductible 890 6 Brick siding No
1979 325,000 Slate Shingles Roof 1,700 2 $2500-$5000 Deductible 1710 8 Stucco siding yes
1977 190,000 Slate Shingles Roof 1,200 3 $1000-$2500 Deductible 850 6 Vinyl siding yes
1986 910,000 Composition Roof 4,560 5 $500- $1000 Deductible 760 1 Brick siding No
1985 365,000 Composition Roof 1,790 4 $500- $1000 Deductible 4680 12 Vinyl siding No
1974 465,000 Membrane Roof 2,250 3 $500- $1000 Deductible 1300 3 Stone Siding yes
1975 650,000 Tile Roof 3,450 5 $2500-$5000 Deductible 4500 10 Stucco siding yes
1996 415,000 Tile Roof 2,810 4 $5000 to $10,000 Deductible 1030 5 Stone Siding yes
1988 225,000 Shingles Roof 1,360 3 $500 Deductible 2150 10 Vinyl siding No
1971 620,000 Metal Roof 4,220 5 > $10,000 Deductible 2220 8 Brick siding No
1978 650,000 Wood Shake Roof 4,460 5 $500 Deductible 3970 6 Brick siding No
1992 260,000 Composition Roof 1,490 3 $1000-$2500 Deductible 450 2 Stucco siding No
1974 630,000 Asphalt Shingles Roof 3,570 5 $5000 to $10,000 Deductible 2510 6 Brick siding No
1995 670,000 Slate Shingles Roof 3,870 5 $1000-$2500 Deductible 1200 3 Brick siding yes
1992 820,000 Membrane Roof 4,360 5 $2500-$5000 Deductible 640 1 Stucco siding No
1977 385,000 Composition Roof 1,820 4 $500 Deductible 780 3 Vinyl siding yes
1983 490,000 Shingles Roof 3,370 4 > $10,000 Deductible 1400 6 Fiber-Cement Siding No