St. James Insurance Rates:

St. James, NY homeowners insurance is approximately $556 to $758, about $46-$63/month. Our detailed analysis indicates shoppers can save upto $262 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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St. James, NY Homeowners Insurance By Home Value

St. James, NY Home Value Total Homes % of Total Average St. James, NY Homeowners Insurance
Less than $50,000 76 5.0% $32
$50,000 to $59,999 17 1.0% $72
$80,000 to $89,999 17 1.0% $118
$125,000 to $149,999 25 1.0% $196
$150,000 to $174,999 20 1.0% $229
$200,000 to $249,999 105 7.0% $321
$250,000 to $299,999 77 5.0% $393
$300,000 to $399,999 1,043 74.0% $505

Top Home Insurance Agents Near St. James, NY

Home Insurance Company Near St. James, NY Homeowners Insurance Agency Near St. James, NY Address
NA M. J. Comas Company, Inc. 580 White Plains Rd Ste 430 , Tarrytown, NY, 10591
Travelers C And C Insurance Agency 375 NORTH MAIN ST, PORT CHESTER, NY, 10573
State Farm Dave De Lotto Casl, Clu, Chfc 385 Main Street South, Southbury, CT, 06488-4240
State Farm George Araque 260-17 Hillside Avenue, Floral Park, NY, 11004-1707
Travelers Orange Insurance Center Inc 325 Boston Post Road, Ste 2B, Orange, CT, 6477

Cost Of Homeowners Insurance By Street Near St. James, NY

Streets in St. James Area Homeowners Insurance Cost
Pirey Ct, Seventh St, Gotham Way, Glen Hill Dr, Fenway Rd, Sixth Ave, Mott Ct, Pondview, Plane Tree Ln, Hope Pl$660
Williams Ct, Three Sisters Hollow Rd, Flowerfield, Hill Rd, Smithtown-Port Jefferson Rd, Rutgers St, Alo Ct, Marchant Dr, Aesop Ln, Fairfield Dr N$646
Red Oak Rd, Gotham Dr, Hamlet Woods Dr, Drew Dr N, Cleremont Ave, Flair Ct W, Fifty Acre Ct, Astor Ave, Cinderella Ln, Franklin Dr$643
Fable Rd, Tredwell Ave, Huber Pl, Fifty Acre Rd S, Thompson Hill Rd, Oakfield Rd, Overton Pass, Colgate Dr, Saint James Ave N, Three Sisters Rd$659
Howell Dr, Browning St, Rodney St, Pine Pt, Sailer St, Storyland Rd, Sergent Ct, James Pl, Acorn Rd, Ann Marie Dr$657

St. James, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. James$98 to $101
Head of the Harbor$114
Nesconset$99
Village of the Branch$100

St. James, 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
Head of the Harbor village, New York $96 $127 $191
Nesconset CDP, New York $83 $110 $165
Village of the Branch village, New York $84 $111 $167

St. James, 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
St. James, NY1.8%5.5%
Head of the Harbor1.59%6.37%
Nesconset1.85%5.49%
Village of the Branch1.66%5.57%

St. James Renters Insurance as a Percentage of Rent

St. James Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 10 2.0% $1892
$750 to $999 43 10.0% $2642
$1,000 to $1,499 207 52.0% $3767
$1,500 or more 134 34.0% $5417

St. James, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$5,400
Yearly St. James Homeowner Insurance Premium Example $2,500$1,700
Out of Pocket Expense During Claim$1,400$5,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $18,900$17,300
Net Savings to St. James Home Owner from High Deductible Plan $1,600

St. James, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. James, NY Home Replacement Value MORE than Home Value St. James, NY Home Replacement Value LESS than Home Value
Replacement Value $593,500 $366,000
Insurance Premium based on Replacement Value $6,225 $3,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $97,500 Risk Exposure from Under Insuring Coverage is $130,000
Premium Impact Insurance cheaper by $1,350/year Insurance costlier by $1,025/year

Example St. James Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceChubb Group of InsuranceAllstate
Monthly Premium 275380695
Year Built 196819791984
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $400000-$500000$400000-$500000More than 10000000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for St. James, NY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 850,000 Slate Shingles Roof 4,820 5 $1000-$2500 Deductible 9780 12 Stucco siding No
1961 515,000 Membrane Roof 2,050 4 $500 Deductible 2440 6 Stucco siding No
1994 640,000 Slate Shingles Roof 3,240 4 > $10,000 Deductible 1980 8 Fiber-Cement Siding No
1969 285,000 Metal Roof 1,430 3 $500 Deductible 1620 8 Fiber-Cement Siding yes
1989 365,000 Slate Shingles Roof 1,770 3 $500 Deductible 2030 5 Vinyl siding No
1965 305,000 Slate Shingles Roof 1,440 3 > $10,000 Deductible 1570 12 Wood siding yes
1994 620,000 Asphalt Shingles Roof 2,360 5 $5000 to $10,000 Deductible 1620 4 Stone Siding No
1971 400,000 Membrane Roof 2,270 3 > $10,000 Deductible 740 4 Wood siding yes
1987 910,000 Shingles Roof 3,540 5 $500 Deductible 6050 9 Stucco siding yes
1985 410,000 Composition Roof 2,030 4 $1000-$2500 Deductible 2460 7 Vinyl siding No
1974 625,000 Membrane Roof 2,730 4 $500- $1000 Deductible 3510 8 Brick siding No
1987 820,000 Composition Roof 3,300 4 $1000-$2500 Deductible 4280 9 Stucco siding No
1991 760,000 Tile Roof 3,150 5 $500 Deductible 4300 8 Fiber-Cement Siding yes
1994 575,000 Slate Shingles Roof 3,000 4 $1000-$2500 Deductible 3020 12 Fiber-Cement Siding yes
1983 365,000 Membrane Roof 1,390 3 $500- $1000 Deductible 1160 4 Vinyl siding No
1990 280,000 Wood Shake Roof 1,420 3 $500 Deductible 2900 9 Wood siding yes
1987 445,000 Slate Shingles Roof 1,820 3 $500- $1000 Deductible 3480 7 Stone Siding yes
1972 395,000 Asphalt Shingles Roof 2,200 5 $1000-$2500 Deductible 2450 8 Stucco siding yes
1967 695,000 Metal Roof 2,680 4 $2500-$5000 Deductible 4010 9 Brick siding yes
1986 570,000 Slate Shingles Roof 2,570 4 > $10,000 Deductible 3130 12 Wood siding yes
1971 980,000 Shingles Roof 3,790 5 $500- $1000 Deductible 8350 12 Vinyl siding No
1970 495,000 Composition Roof 2,200 3 $5000 to $10,000 Deductible 2180 10 Brick siding No
1981 515,000 Metal Roof 2,160 5 > $10,000 Deductible 680 4 Vinyl siding No
1962 455,000 Asphalt Shingles Roof 1,840 5 $2500-$5000 Deductible 1990 9 Wood siding No
1993 720,000 Shingles Roof 2,950 4 $5000 to $10,000 Deductible 460 1 Wood siding No
1963 465,000 Membrane Roof 1,960 3 $2500-$5000 Deductible 3260 12 Vinyl siding No
1963 875,000 Shingles Roof 4,890 5 $5000 to $10,000 Deductible 2750 6 Fiber-Cement Siding No
1975 700,000 Asphalt Shingles Roof 3,530 5 $2500-$5000 Deductible 2080 6 Vinyl siding No