Southold Insurance Rates:

Southold, NY homeowners insurance is about $564 to $772, about $47-$64/month. Our detailed guide shows customers can save as much as $267 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
My monthly payments are low and if i have no claims within five years i will get a rebate check in the mail
State Farm
There was one time i filed a claim and it was denied and they couldn’t verify that the damage was covered by my policy.
Allstate
Allstate is well known and very competent. their customer service is very knowledgeable and they always send full and complete paperwork which they can explain over the phone if needed.
Progressive
Whenever I had queries regarding policies they were helpful. I haven't had any accidents so I didn't have to file any claims so that is that.
Usaa
We've only had to work with customer service once since getting our homeowners insurance and they were great. We had trouble with the mortgage company because they were saying our insurance listed the wrong county our house is close to a county line. They were able to make the proper changes in a very timely manner.
Liberty Mutual
They are efficient and polite on the phone. They are honest about not over-insuring property and auto. They offer options without being pushy and trying to sell just to get a commission.
Usaa
They post a lot of statements or information online but do not make it clear when it is available. I had no idea for months that there was new information until I was searching the website for other info.

Southold, NY Homeowners Insurance By Home Value

Southold, NY Home Value Total Homes % of Total Average Southold, NY Homeowners Insurance
Less than $50,000 58 3.0% $26
$80,000 to $89,999 39 2.0% $106
$90,000 to $99,999 18 1.0% $120
$100,000 to $124,999 45 2.0% $140
$125,000 to $149,999 69 3.0% $173
$175,000 to $199,999 30 1.0% $240
$200,000 to $249,999 105 6.0% $293
$250,000 to $299,999 257 14.0% $354
$300,000 to $399,999 1,093 63.0% $454

Top Home Insurance Agents Near Southold, NY

Home Insurance Company Near Southold, NY Homeowners Insurance Agency Near Southold, NY Address
NA Serra & Delvecchio Insurance 386 Main St., Middletown, CT, 6457
Liberty Mutual Independent Beecher Carlson Ins. Services Inc. 914 Hartford Tpke , Waterford, CT, 6385
Travelers Byrnes Agency Inc 6 CONSUMERS AVE, NORWICH, CT, 6360
Travelers Frank D Cirisano Agency Inc 149 MAIN STREET, SETAUKET, NY, 11733
State Farm Steve Pescetti 1120 Montauk Hwy Ste C, Mastic, NY, 11950-2933

Cost Of Homeowners Insurance By Street Near Southold, NY

Streets in Southold Area Homeowners Insurance Cost
Leeward Dr, Jay Rd, Alpine, Naugles Dr, Tuckers Ln, Summit Rd, Terry Ln, Tuthill Rd Exd, Harper Rd W, Soundview Ave$659
Eastwood Dr, Bennetts Pond Ln, Robinson Rd, Praity Ln, Oceanic Ave, Harbor View Rd, Richmond Rd, E End Rd, Winthrop Dr, West Rd$670
S Oakwood Dr, Willow Point Rd, Johns Rd, Booth Pl, Summit Ln, Skippers Ln, Deer Dr, Mayflower Rd, Cedar Dr S, Webb St$676
Farm View Rd, Champlin Pl, Cabots Woods Rd, Three Waters Ln, Queen St, Linnet St, Rosewood Dr, White Eagle Dr, Oriole Dr, Vista Pl$668
Angler Rd, Lupen Dr, Clearwater Ln, Pierce Dr, Hickory Ave, S Harbor Rd, Marratooka Rd, Crittens Ln, Bay Haven Ln, Grigonis Path$664

Southold, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Southold$99 to $102
East Marion$100
Dering Harbor$114
Orient$105

Southold, 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
East Marion CDP, New York $84 $111 $167
Orient CDP, New York $88 $117 $175
Greenport West CDP, New York $82 $109 $164

Southold, 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
Southold, NY2.1%6.1%
East Marion2.27%7.23%
Orient2.85%6.39%
Greenport West2.13%7.9%

Southold Renters Insurance as a Percentage of Rent

Southold Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 34 2.0% $311
$200 to $299 27 1.0% $761
$300 to $499 45 3.0% $1211
$500 to $749 68 4.0% $1886
$750 to $999 228 16.0% $2636
$1,000 to $1,499 424 30.0% $3761
$1,500 or more 544 39.0% $5411

Southold, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$3,700
Yearly Southold Homeowner Insurance Premium Example $5,700$4,700
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $18,800$17,800
Net Savings to Southold Home Owner from High Deductible Plan $1,000

Southold, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Southold, NY Home Replacement Value MORE than Home Value Southold, NY Home Replacement Value LESS than Home Value
Replacement Value $607,000 $370,000
Insurance Premium based on Replacement Value $6,975 $4,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $123,500 Risk Exposure from Under Insuring Coverage is $113,500
Premium Impact Insurance cheaper by $1,300/year Insurance costlier by $1,425/year

Example Southold Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmNationwide InsuranceAllstate
Monthly Premium 226338806
Year Built 194319762010
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $500000-$600000$400000-$500000More than 10000000
Deductible > $10,000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 430,000 Asphalt Shingles Roof 2,210 3 $2500-$5000 Deductible 820 3 Brick siding yes
1994 585,000 Asphalt Shingles Roof 2,170 4 $5000 to $10,000 Deductible 580 2 Stone Siding yes
2004 775,000 Slate Shingles Roof 3,860 5 > $10,000 Deductible 3420 9 Stucco siding yes
1989 535,000 Metal Roof 2,430 4 $500- $1000 Deductible 2490 5 Wood siding No
2011 585,000 Slate Shingles Roof 2,030 3 $500 Deductible 2910 6 Brick siding No
2011 350,000 Metal Roof 1,440 3 $2500-$5000 Deductible 1300 8 Stucco siding yes
1941 570,000 Composition Roof 2,510 4 $500- $1000 Deductible 5870 12 Stone Siding No
2006 825,000 Shingles Roof 2,870 5 $500- $1000 Deductible 3380 6 Stone Siding yes
1942 500,000 Tile Roof 1,850 5 $1000-$2500 Deductible 1610 5 Fiber-Cement Siding No
1961 315,000 Composition Roof 1,220 3 $5000 to $10,000 Deductible 620 3 Vinyl siding yes
1969 545,000 Tile Roof 2,470 4 $500- $1000 Deductible 3240 7 Fiber-Cement Siding No
2008 445,000 Membrane Roof 1,970 4 $1000-$2500 Deductible 3240 9 Wood siding No
2014 360,000 Shingles Roof 1,290 3 $2500-$5000 Deductible 2750 9 Stucco siding yes
2010 555,000 Wood Shake Roof 2,780 5 $5000 to $10,000 Deductible 1480 5 Stone Siding No
1999 420,000 Slate Shingles Roof 1,980 4 $1000-$2500 Deductible 830 3 Stucco siding yes
1987 675,000 Membrane Roof 3,300 5 $5000 to $10,000 Deductible 4150 12 Brick siding yes
1968 335,000 Asphalt Shingles Roof 1,440 3 $1000-$2500 Deductible 1870 6 Fiber-Cement Siding yes
1964 455,000 Asphalt Shingles Roof 2,240 3 $2500-$5000 Deductible 2370 8 Wood siding No
2003 1,265,000 Metal Roof 4,700 5 $1000-$2500 Deductible 5470 7 Stone Siding No
1976 585,000 Wood Shake Roof 2,440 4 $1000-$2500 Deductible 5010 10 Vinyl siding No
1989 760,000 Tile Roof 2,640 4 $500- $1000 Deductible 2480 5 Wood siding yes
1945 325,000 Asphalt Shingles Roof 1,470 3 > $10,000 Deductible 890 7 Stucco siding No
2006 685,000 Membrane Roof 3,350 4 > $10,000 Deductible 860 2 Stone Siding yes
1947 645,000 Wood Shake Roof 2,650 4 > $10,000 Deductible 340 1 Stone Siding No
1974 385,000 Membrane Roof 1,880 5 $5000 to $10,000 Deductible 1220 5 Wood siding No
1964 615,000 Asphalt Shingles Roof 2,690 4 > $10,000 Deductible 2290 7 Stone Siding yes
1962 325,000 Asphalt Shingles Roof 1,630 5 $500 Deductible 1610 6 Brick siding No
1948 500,000 Asphalt Shingles Roof 1,990 3 > $10,000 Deductible 440 2 Fiber-Cement Siding yes
1989 575,000 Asphalt Shingles Roof 2,330 3 $500 Deductible 1260 3 Stone Siding yes
2011 1,050,000 Shingles Roof 4,000 5 $5000 to $10,000 Deductible 1780 4 Stucco siding yes
1994 445,000 Wood Shake Roof 1,800 5 $1000-$2500 Deductible 4090 10 Fiber-Cement Siding yes
1966 470,000 Wood Shake Roof 2,240 3 $500- $1000 Deductible 3410 10 Vinyl siding No
1974 395,000 Slate Shingles Roof 1,560 5 $500- $1000 Deductible 2660 9 Vinyl siding yes
1987 400,000 Metal Roof 1,710 3 $2500-$5000 Deductible 1230 4 Stucco siding yes