Westchester County Insurance Rates:

Westchester County, NY homeowners insurance is roughly $572 to $773, about $47-$64/month. Our detailed analysis indicates shoppers can save upto $269 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Discounts for Homeowners Insurance in Westchester County, NY

With around 9,50,227 residents in Westchester County, it is necessary to secure your home and belongings before any unexpected situation takes place. The average cost of homeowners insurance in Westchester County is $2362, which is relatively high compared to other neighboring cities like Hempstead, Rockland County, and Levittown.

But what if you could learn different ways to reduce your homeowners insurance cost in an expensive city like Westchester County? There is no hidden fact that insurance companies don't offer special discounts, but understanding how they arrive at premium quotes can help you save a few bucks and balance your budget as per your requirements.

The cost of the home insurance is fixed after considering certain factors, including the coverage type, deductible, age of the house, or the material used to build your house.

Insurance Cost Based on the Deductibles

Deductible for home insurance is the amount of money you agree to pay before you can make a claim with your provider. Once the homeowner files a claim and meets their deductible, the insurance company pays the remaining balance up to their policy limit.

For instance, let us assume that as per your policy, your deductible is $2500. So here, if you make a claim with damages of $20,000, you have to pay your deductible, i.e., $2500, and the remaining balance, i.e., $17,500, will be paid by your respective insurance company.

Deductible for home insurance in Westchester County may range from $1696 to $2334, depending on the deductible the policyholder has opted. So, Westchester County homeowners paying a high deductible of $2500 can avail of home insurance for $1696, whereas Westchester County homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $1988 and $1805, respectively. Below is the summary of home insurance costs for different deductibles in Westchester County, NY.

Discounts_for_Homeowners_Insurance_in_Westchester_County_NY

Insurance Cost Based on the Age of the Home

The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making your home more vulnerable to property damage or structural problems.

Homes with 40 or 50 years in Westchester County pay a premium of $2424 and $2452, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Westchester County can avail of lower insurance of $572.28.

Insurance Cost  Based on the Materials Used

Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.

For instance, homes built with fire resistive brick are offered at a premium of $2125.8 in Westchester City, whereas homes built with Masonry and Brick are offered at a premium of $2243.9. Thus, the premium charged will be higher if you use low-quality materials to construct your house.

Westchester County, NY Homeowners Insurance By Home Value

Westchester County, NY Home Value Total Homes % of Total Average Westchester County, NY Homeowners Insurance
Less than $50,000 2,148 3.0% $26
$70,000 to $79,999 900 1.0% $94
$80,000 to $89,999 1,091 1.0% $100
$90,000 to $99,999 928 1.0% $114
$100,000 to $124,999 3,416 5.0% $134
$125,000 to $149,999 3,116 4.0% $168
$150,000 to $174,999 4,980 7.0% $201
$175,000 to $199,999 3,685 5.0% $235
$200,000 to $249,999 9,448 14.0% $282
$250,000 to $299,999 9,579 14.0% $343
$300,000 to $399,999 26,609 39.0% $437

Top Home Insurance Agents Near Westchester County, NY

Home Insurance Company Near Westchester County, NY Homeowners Insurance Agency Near Westchester County, NY Address
NA W M Ryan Agency, Inc. 728 Fort Salonga Rd , Northport, NY, 11768
Liberty Mutual Independent American Insurance Services 1129 Raritan Rd, Clark, NJ, 7066
Travelers Effective Coverage Llc 123 TOWN SQ STE 668, JERSEY CITY, NJ, 7310
Travelers Gloron Agency Incorporated 120 BROADWAY 37TH FL, NEW YORK, NY, 10271
Nationwide Ruben Asencios Insurance Agency Llc 158 Montowese St. Suite C, Branford, CT, 6405

Westchester County, NY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Westchester County, NY

Streets in Westchester County Area Homeowners Insurance Cost
Northern Rd, Walker Ave, Puritan Ave, Landis Pl, Burdsall Dr, Plymouth St, Calam Ave, Cloverhill Ln, Grant Rd, Colony Row$685
Fordal Rd, Truesdale Pl, Woodybrook Ln, Tamarack Rd, Parkview Ave, Embree St, Teresa St, Granite Brook Dr, Reed Rd, Cowdrey St$687
Briarcliff Rd, Stone Hedge Cir, Beacon Ln, Laramere Rd, Winans St, Entrance Way, Sycamore Ave, Parkway E, Chesterfield Rd, Nickleby Pl$687
Wellington Rd, Freightway, Celia Ave, Putnam Dr, Chase Rd, Coralyn Ave, Millbrook Rd, Plumwood Rd, Pokahoe Dr, Park Ave W$748
Andover Rd, Horton Dr, Cleveland Pl, Bank St, Macri Ave, Muchmore Rd, Prescott Ave, Hoyt St, Kent Ave, S Division St$630
Birchwood Ln, Summit Way, W End Ave, McDougal Dr, Bell Rd, Croton Pl, Travis Rd, Woodlands Ave, Cypress Point Dr, Leffingwell Pl$690
Rosehill Ter, Smith Ave, Annex Rd, Anderson Hill Rd, Cooper Pl, Patriots Park, Mandy Ct, Wallick Close, S Perkins Ave, Fieldcrest Dr$660
Harris Rd, Summit Lake Dr, Island View Pl, Slater St, Pleasantview Ct, Ann Pl, St James Ter, Moore St, Highland Indust Park, Woodbrook Rd$678
Green Hill Rd, Cove Rd W, Logging Rd, Mervin Dr, Chalford Ln, Edgehill Clse, Randy Ln, S James St, Pondfield Pkwy, Knollwood Rd Exd$608
Kitchawan State Rd, Rambling Brook Rd, Forkland Ln, Buttonwood Ave, Waring Row, Bashford St, Alex Dr, Peace St, Overlook Ct, Upper Dogwood Ln$637

Westchester County, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Westchester County$100 to $102
Chappaqua$102
Armonk$111
Pleasantville$103

Westchester County, 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
Chappaqua CDP, New York $85 $113 $170
Armonk CDP, New York $93 $123 $185
Pleasantville village, New York $86 $115 $172

Westchester County, 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
Westchester County, NY1.7%5.6%
Chappaqua1.9%5.67%
Armonk1.55%6.18%
Pleasantville1.56%5.74%

Westchester County Renters Insurance as a Percentage of Rent

Westchester County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 3,654 2.0% $759
$300 to $499 5,286 4.0% $1209
$500 to $749 8,889 7.0% $1884
$750 to $999 17,414 13.0% $2634
$1,000 to $1,499 46,162 36.0% $3759
$1,500 or more 44,362 35.0% $5409

Latest Home Insurance Reviews by Location

White Plains, NY

Westfield Insurance
I recommend Westfield Insurance for all the reasons stated above. They have good customer service, reasonable prices, and a service offering that is just hard to beat.
Read more White Plains home insurance reviews

Ossining, NY

Allstate
the premium of all state insurance is somewhat similar to other insurance companies' premiums .there is still a discount I get for being their loyal customer.
Read more Ossining home insurance reviews

Rye, NY

Liberty Mutual
I would highly recommend Liberty Mutual not only for coverage but for excellent and thorough customer service. They really respond with speed.
Read more Rye home insurance reviews

Eastchester, NY

Homesite Insurance
We have the basic coverage for our home with our insurance. It doesn't have all the coverage I want but it has pretty much the same as other providers.
Read more Eastchester home insurance reviews

Mount Vernon, NY

Nationwide
They are extremely helpful and are willing to work with you. They are also willing to help you find discounts so that you can lower the price of the policy.
Read more Mount Vernon home insurance reviews

Greenburgh, NY

Erie Insurance
They're generally available to speak with someone, but they keep regular business hours so it is sometimes difficult to find the right time to speak with someone there.
Read more Greenburgh home insurance reviews

New Rochelle, NY

Esurance
The deductible policy I chose was small and I am satisfied as it was a personal choice to choose this policy amount.
Read more New Rochelle home insurance reviews

Yonkers, NY

State Farm
I would recommend this company fo home insurance, only if users are purchasing a bundle with auto. Otherwise, shop around for others.
Read more Yonkers home insurance reviews

Yorktown, NY

Geico
I feel like progressive has a better price for what they offer than Geico, but because I have so much invested in Geico I don't want to change it.
Read more Yorktown home insurance reviews

Cortlandt, NY

Allstate
I would definitely recommend Allstate to other people. I haven't had anything but good experiences with them. If I were ever to switch it would probably be purely because of price difference.
Read more Cortlandt home insurance reviews

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