Southampton Insurance Rates:

Southampton, NY homeowners insurance is approximately $582 to $794, about $48-$66/month. Our all inclusive analysis indicates shoppers can save upto $275 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
Savings compared to other insurances. online services. automatic deduction monthly
American Strategic Insurance
It took several weeks to gather all the required information because our agent (from aaa) kept "forgetting" to ask us for all the information needed to submit to the underwriters.
Usaa
They argued with us for a good while when we first bought our house that it was built in a floodplain when it was not.
Farmer's Insurance
I have researched several insurance companies before making a decision to choose farmers. I enjoyed the interaction with the agent and have not looked back on my decision.
Liberty Mutual
I enjoy this company's dedication to customer service and retention. I also appreciate that their policies do not include a breed restriction.
Travelers
When you are working on the more complex issue that involves many departments it can be difficult to make sure you are talking to the right person
Usaa
I like how they're one of Washington's most popular companies. Because of this, I get many benefits others do not get.
Usaa
USAA was very prompt in supplying us with documentation to prove to our lender that we had coverage. They provided documents both online and by mail.

Southampton, NY Homeowners Insurance By Home Value

Southampton, NY Home Value Total Homes % of Total Average Southampton, NY Homeowners Insurance
Less than $50,000 346 8.0% $27
$50,000 to $59,999 134 3.0% $55
$60,000 to $69,999 95 2.0% $68
$70,000 to $79,999 85 2.0% $82
$80,000 to $89,999 59 1.0% $89
$90,000 to $99,999 108 2.0% $103
$100,000 to $124,999 152 3.0% $117
$150,000 to $174,999 96 2.0% $179
$175,000 to $199,999 117 2.0% $206
$200,000 to $249,999 287 6.0% $248
$250,000 to $299,999 491 11.0% $303
$300,000 to $399,999 2,233 52.0% $392

Top Home Insurance Agents Near Southampton, NY

Home Insurance Company Near Southampton, NY Homeowners Insurance Agency Near Southampton, NY Address
NA Bradford Independent Insurance Agencies, Inc. 600 Waverly Ave , Patchogue, NY, 11772
Travelers Hamptons Risk Management Llc 2228 Montauk Hwy Ste A, Bridgehampton, NY, 11932
Travelers Iii-Sig Insurance Agency-Groton 124 FORT HILL ROAD, GROTON, CT, 6340
Nationwide James J Basso Agency 1895 New York Ave, Huntington Station, NY, 11746
Allstate Kyle Phillips 501 Boston Post Rd Ste 3, Orange, CT, 6477

Cost Of Homeowners Insurance By Street Near Southampton, NY

Streets in Southampton Area Homeowners Insurance Cost
Bay View Dr E, Litho Path, Down East Ln, Post Pl, Crestview Dr, Shinnecock Hills Rd, Eel Pot Aly, Cove Ave W, Ajay Ct, Herne Pl$732
Whites Ln, Bob White Ln, Debbie Ln, Aberdeen Ln, Wiltshire St, Fairlea Rd, Spring Pond Ln, Hubbard Ave, Auburn Cir, Emerson Ct$694
Fanning Rd, Acorn Ct, Denise St, Pond Dr, Mickie's Way, Arbutus Ln, Flanders Blvd S, Farmview Dr, Davids Ct, Newtown Rd$631
Bonita Ln, S Ferry Rd, W Gate Rd, Pine Tree Ln, Middle Line Hwy, Saltmeadow Ln, Golf Rd, Jeffrey Ln, June Ave, Wildwood Trl$None
Hatcher Rd, Scotts Rd, Head of Pond Rd, Trees Ln, Cottage Ln, Fresh Pond Ln, Whitney Rd, Kathy St, Co Rd 39A, E Canal Ct$720
S Rosko Dr, Sheppard St, Ocean View Dr, Quogue Riverhead Rd, Squabble Ln, Rolling Woods Ln, Johnny Ln, Pine Tree Ct, Pin Oak Ln, Deerfield Dr$None
Tanners Neck Ln, Joann Ct, Gegan Dr, Bay Shore Dr, Pepi Ct, Heatherwood Ln, Willow Shade Ave, Seafield Ln, Bay Ln, Cambridge Ct$None
Old Fish Cove Rd, Wild Goose Ln, Chase Dr, Snug Harbor Ln, Foster Ave, Fallo Ct, Jeanne Ct, Kirk Ave, Deer Trail Rd, Riverdale Dr$660
Quantuck Bay Rd, Wild Cherry Ln, S Valley Rd, Old Orchard Rd, Cove Ave E, Shelter Island Ave, Swans Neck Ln, Pierson Rd, Reo Rd, Meadowmere Ln$716
Harborwatch Ct Exn, Ram Island Dr, Tiffany Way, Pulaski Ave, Margaret Dr, Noyac Rd, Beth Ln, Old Sag Harbor Rd, Duck Point Rd, Trout Ln$732

Southampton, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Southampton$102 to $105
Shinnecock Hills$105
Shinnecock$93
Hampton Bays$99

Southampton, 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
Shinnecock Hills CDP, New York $88 $117 $175
Shinnecock Reservation, Suffolk County, New York $78 $104 $156
Hampton Bays CDP, New York $83 $110 $165

Southampton, 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
Southampton, NY2.1%6.1%
Shinnecock Hills1.84%5.84%
Shinnecock6.6%8.81%
Hampton Bays2.24%5.84%

Southampton Renters Insurance as a Percentage of Rent

Southampton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 84 1.0% $1202
$500 to $749 262 5.0% $1877
$750 to $999 350 7.0% $2627
$1,000 to $1,499 1,437 32.0% $3752
$1,500 or more 2,278 51.0% $5402

Southampton, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Southampton Homeowner Insurance Premium Example $5,700$5,200
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $19,000$18,500
Net Savings to Southampton Home Owner from High Deductible Plan $500

Southampton, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Southampton, NY Home Replacement Value MORE than Home Value Southampton, NY Home Replacement Value LESS than Home Value
Replacement Value $588,500 $332,000
Insurance Premium based on Replacement Value $6,250 $3,525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $142,500 Risk Exposure from Under Insuring Coverage is $114,000
Premium Impact Insurance cheaper by $1,225/year Insurance costlier by $1,500/year

Example Southampton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceLiberty MutualChubb Group of Insurance
Monthly Premium 249826257
Year Built 196119412002
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $350000-$400000$900000-$1000000$350000-$400000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 875,000 Shingles Roof 2,990 5 $5000 to $10,000 Deductible 1910 5 Brick siding yes
1962 375,000 Metal Roof 1,510 3 > $10,000 Deductible 810 5 Fiber-Cement Siding No
1970 705,000 Slate Shingles Roof 2,610 4 $5000 to $10,000 Deductible 2100 4 Brick siding yes
2009 575,000 Asphalt Shingles Roof 2,130 3 $1000-$2500 Deductible 3580 8 Stucco siding No
1984 690,000 Metal Roof 2,250 3 $500- $1000 Deductible 2260 4 Stucco siding No
1987 1,120,000 Tile Roof 3,290 5 $1000-$2500 Deductible 5880 7 Vinyl siding yes
1983 600,000 Shingles Roof 2,000 3 $500- $1000 Deductible 4160 7 Stone Siding yes
1989 805,000 Wood Shake Roof 2,380 3 $500- $1000 Deductible 940 2 Vinyl siding No
2005 400,000 Slate Shingles Roof 1,700 3 $2500-$5000 Deductible 1810 9 Stucco siding No
1989 905,000 Asphalt Shingles Roof 3,780 5 $2500-$5000 Deductible 5630 12 Vinyl siding yes
1972 385,000 Shingles Roof 1,290 3 > $10,000 Deductible 190 1 Stucco siding yes
1948 390,000 Wood Shake Roof 1,500 3 $2500-$5000 Deductible 180 1 Vinyl siding No
2002 515,000 Tile Roof 1,680 4 $500- $1000 Deductible 3380 12 Fiber-Cement Siding yes
2006 850,000 Slate Shingles Roof 3,280 5 $5000 to $10,000 Deductible 420 1 Vinyl siding No
2009 780,000 Shingles Roof 2,880 5 $500- $1000 Deductible 2240 4 Wood siding yes
1963 530,000 Shingles Roof 2,170 4 $1000-$2500 Deductible 1550 5 Brick siding No
1983 365,000 Tile Roof 1,290 3 > $10,000 Deductible 960 5 Stone Siding yes
1989 1,285,000 Asphalt Shingles Roof 4,000 5 > $10,000 Deductible 3850 7 Wood siding No
1974 820,000 Tile Roof 2,470 4 $2500-$5000 Deductible 3540 8 Stone Siding No
1997 715,000 Tile Roof 2,110 5 > $10,000 Deductible 1980 8 Vinyl siding No
2003 745,000 Tile Roof 2,210 5 $500- $1000 Deductible 1000 2 Vinyl siding No
1966 360,000 Tile Roof 1,520 3 $5000 to $10,000 Deductible 210 1 Wood siding yes
1962 830,000 Wood Shake Roof 2,900 4 $500- $1000 Deductible 3950 5 Wood siding No
1979 1,065,000 Tile Roof 3,130 4 $500 Deductible 5870 7 Brick siding yes
1985 810,000 Slate Shingles Roof 2,410 4 $500 Deductible 4250 5 Fiber-Cement Siding No
1973 830,000 Wood Shake Roof 2,530 5 $1000-$2500 Deductible 7200 12 Brick siding No
1962 720,000 Tile Roof 3,030 4 $2500-$5000 Deductible 3180 6 Wood siding yes
1983 1,000,000 Wood Shake Roof 3,730 5 $500- $1000 Deductible 5800 8 Wood siding No
1979 890,000 Shingles Roof 3,250 4 > $10,000 Deductible 470 1 Wood siding yes
1947 780,000 Tile Roof 3,010 5 $500- $1000 Deductible 3740 7 Fiber-Cement Siding yes
1988 1,035,000 Tile Roof 3,810 5 > $10,000 Deductible 4740 9 Fiber-Cement Siding No