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.
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.
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 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|
|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|
|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|
|Place||Savings For Senior Occupied Homes|
|Westchester County||$100 to $102|
|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|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Westchester County, NY||1.7%||5.6%|
|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|