Valley Cottage Insurance Rates:

Valley Cottage, NY homeowners insurance is nearly $551 to $751, about $45-$62/month. Our all inclusive research reveals consumers can save as much as $260 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Valley Cottage, NY Homeowners Insurance By Home Value

Valley Cottage, NY Home Value Total Homes % of Total Average Valley Cottage, NY Homeowners Insurance
Less than $50,000 53 4.0% $32
$150,000 to $174,999 40 3.0% $247
$175,000 to $199,999 96 8.0% $286
$200,000 to $249,999 150 12.0% $345
$250,000 to $299,999 147 12.0% $423
$300,000 to $399,999 703 59.0% $533

Top Home Insurance Agents Near Valley Cottage, NY

Home Insurance Company Near Valley Cottage, NY Homeowners Insurance Agency Near Valley Cottage, NY Address
NA Charter Trade Credit, Llc 124 The Chase, Syosset, NY, 11791
Nationwide Joseph J Dimonda 3351 Park Ave, Wantagh, NY, 11793
Allstate Matthew Augugliaro 1 Schwab Rd Ste 9, Melville, NY, 11747
Travelers Merit Insurance 1 Enterprise Dr Ste 310, Shelton, CT, 6484
Liberty Mutual Independent Otterstedt Agency 540 SYLVAN AVENUE, ENGLEWOOD CLIFFS, NJ, 7632

Cost Of Homeowners Insurance By Street Near Valley Cottage, NY

Streets in Valley Cottage Area Homeowners Insurance Cost
N Greenbush Rd, Gillis Ave, Mayfield St, Allegra Dr, Lakeview Ct, Country Ridge Dr, N Palisades Center Dr, Gleeful Ln, Wachs Way, Kathryn Ln$653
Joy Dr, Michigan Ct, Storms Rd, Emerald Dr, Manette Ln, Lily Ln, Edsam Rd, Gail Dr, Roosevelt Ave, Millburn Ct$654
Helene Rd, Elliott's Aly, Co Rd 13, Willow Ave, Rock Dr, Trachtenberg Ct, Sedge Rd, Oxford Dr, Ridge Dr, Pinecrest Rd$653
W Broadway, Central Ave W, E Ridge Rd, Tena Pl, Astri Ter, Mitchell Dr, Co Rd 13, Sasson Ter, Tanglewood Ct, Snake Hill Rd$655
Flint Ct, Church Ln, Columbus Ave, Christian Herald Rd, Bellview Dr, Broome Blvd, Margaret Ct, Fulle Dr, Sugarhill Rd, Carlann Ln$645

Valley Cottage, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Valley Cottage$97 to $100
Clarkstown$99
Upper Nyack$103
Bardonia$101

Valley Cottage, 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
Clarkstown town, Rockland County, New York $99 $132 $198
Upper Nyack village, New York $103 $137 $206
Bardonia CDP, New York $101 $135 $203

Valley Cottage, 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
Valley Cottage, NY1.9%5.6%
Clarkstown1.79%5.49%
Upper Nyack1.68%5.72%
Bardonia1.6%5.62%

Valley Cottage Renters Insurance as a Percentage of Rent

Valley Cottage Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 41 6.0% $1220
$500 to $749 19 2.0% $1895
$750 to $999 26 4.0% $2645
$1,000 to $1,499 300 46.0% $3770
$1,500 or more 259 40.0% $5420

Valley Cottage, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Valley Cottage Homeowner Insurance Premium Example $5,800$5,300
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $30,000$28,500
Net Savings to Valley Cottage Home Owner from High Deductible Plan $1,500

Valley Cottage, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Valley Cottage, NY Home Replacement Value MORE than Home Value Valley Cottage, NY Home Replacement Value LESS than Home Value
Replacement Value $417,000 $308,000
Insurance Premium based on Replacement Value $3,550 $2,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $67,500 Risk Exposure from Under Insuring Coverage is $41,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $575/year

Example Valley Cottage Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyState Farm
Monthly Premium 490328182
Year Built 196819781987
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $500000-$600000$400000-$500000$400000-$500000
Deductible $500 Deductible$2500-$5000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Valley Cottage, 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 675,000 Wood Shake Roof 3,280 4 $2500-$5000 Deductible 2350 5 Fiber-Cement Siding yes
1987 460,000 Slate Shingles Roof 2,490 4 > $10,000 Deductible 2430 9 Stone Siding yes
1963 770,000 Membrane Roof 3,710 5 $1000-$2500 Deductible 5190 9 Vinyl siding yes
1979 445,000 Tile Roof 2,430 4 $1000-$2500 Deductible 2110 6 Wood siding No
1978 565,000 Tile Roof 2,830 4 > $10,000 Deductible 2560 9 Brick siding No
1963 330,000 Composition Roof 1,640 4 $5000 to $10,000 Deductible 1760 10 Brick siding yes
1981 670,000 Membrane Roof 2,970 4 $500- $1000 Deductible 5440 10 Stone Siding No
1976 280,000 Asphalt Shingles Roof 1,410 3 $5000 to $10,000 Deductible 1280 9 Stone Siding yes
1965 215,000 Asphalt Shingles Roof 1,030 2 $1000-$2500 Deductible 170 1 Stone Siding yes
1970 440,000 Shingles Roof 2,390 4 $500 Deductible 4160 10 Stone Siding No
1975 525,000 Wood Shake Roof 2,780 5 $5000 to $10,000 Deductible 800 3 Stucco siding yes
1973 520,000 Composition Roof 2,550 4 > $10,000 Deductible 1270 4 Brick siding No
1972 435,000 Shingles Roof 2,570 4 $5000 to $10,000 Deductible 2790 10 Brick siding No