Yaphank Insurance Rates:

Yaphank, NY homeowners insurance is roughly $535 to $728, about $44-$60/month. Our complete analysis reveals consumers can save upto $252 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Yaphank, NY Homeowners Insurance By Home Value

Yaphank, NY Home Value Total Homes % of Total Average Yaphank, NY Homeowners Insurance
$60,000 to $69,999 16 1.0% $120
$150,000 to $174,999 14 1.0% $309
$200,000 to $249,999 277 22.0% $436
$250,000 to $299,999 337 27.0% $530
$300,000 to $399,999 569 46.0% $676

Top Home Insurance Agents Near Yaphank, NY

Home Insurance Company Near Yaphank, NY Homeowners Insurance Agency Near Yaphank, NY Address
NA Papa Agency Inc., Macari Agency Inc. 1261 150Th Street Whitestone, NYC, NY, 11357
NA Goodhart Nat'l Gorman Agency 598 Tuckahoe Rd, Yonkers, NY, 10710
NA David J. Jacobs Company, Inc. 428 Central Ave Unit B, Cedarhurst, NY, 11516
Allstate Noah Cohen 6118 Springfield Blvd, Bayside, NY, 11364
Travelers Thomas W Watson 1490 MONTAUK HWY, MASTIC, NY, 11950

Cost Of Homeowners Insurance By Street Near Yaphank, NY

Streets in Yaphank Area Homeowners Insurance Cost
Ormand Ave, S Village Dr, Bellport Lane Rd, Horizon Gate St, Longwood Rd, Hubbard Rd, Megan Ct, Tiger Ct, Sommerset Dr, Bartlett Cmns$631
Sprat St, Huntington Cmns, Bergers Ct, Sunburst Ln, Kent Cmns, Tami Ct, Smith Cmns, Muellers Ln, N Manor Rd, Horseblock Rd N$622
Farber Dr, Orchid Cir, Coram - Yaphank, Schiller Ct, Sander Ct, Yaphank-Middle Island Rd, North Way, Bellport Ln Rd, Shannon Blvd, Christine Ln$633
Forte Ave, Harold Rd, Penn Cmns, Raimond St, Strawberry Ln, Taylor Cmns, Munson St, Leslie Ln, Jefferson Cmns, Christina Ln$625
Tarpon Ave, Rutledge Cmns, Patchogue Yaphank Rd, Bartlett Ave, Bohle Rd, Harrison Cmns, Stone Cmns, Frank Ave, Patchogue-Yaphank Rd, Naybor Ave$626

Yaphank, NY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Yaphank$94 to $97
Brookhaven$95
Gordon Heights$93
Medford$94

Yaphank, 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
Brookhaven town, Suffolk County, New York $80 $106 $159
Gordon Heights CDP, New York $78 $103 $155
Medford CDP, New York $79 $105 $157

Yaphank, 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
Yaphank, NY2.0%6.1%
Brookhaven1.99%5.29%
Gordon Heights2.12%5.19%
Medford2.0%5.24%

Yaphank Renters Insurance as a Percentage of Rent

Yaphank Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$750 to $999 12 11.0% $2653
$1,000 to $1,499 23 21.0% $3778
$1,500 or more 73 67.0% $5428

Yaphank, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$6,700
Yearly Yaphank Homeowner Insurance Premium Example $4,200$3,000
Out of Pocket Expense During Claim$700$6,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $25,900$24,700
Net Savings to Yaphank Home Owner from High Deductible Plan $1,200

Yaphank, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Yaphank, NY Home Replacement Value MORE than Home Value Yaphank, NY Home Replacement Value LESS than Home Value
Replacement Value $326,500 $229,000
Insurance Premium based on Replacement Value $3,450 $2,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $57,500 Risk Exposure from Under Insuring Coverage is $40,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $600/year

Example Yaphank Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceErie Insurance
Monthly Premium 176210575
Year Built 198619692011
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$350000-$400000$700000-$800000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2001 430,000 Slate Shingles Roof 2,320 5 $500 Deductible 3500 10 Stucco siding No
1983 275,000 Slate Shingles Roof 2,060 4 $500 Deductible 2170 9 Fiber-Cement Siding No
1960 285,000 Metal Roof 1,830 5 $500- $1000 Deductible 620 3 Wood siding No
2014 390,000 Shingles Roof 2,740 4 $1000-$2500 Deductible 1700 8 Brick siding No
2000 615,000 Slate Shingles Roof 3,160 4 $2500-$5000 Deductible 2910 10 Brick siding No
1999 550,000 Slate Shingles Roof 3,340 4 $500 Deductible 3090 7 Fiber-Cement Siding yes
2012 250,000 Shingles Roof 1,300 3 $5000 to $10,000 Deductible 850 7 Wood siding yes
1984 290,000 Wood Shake Roof 2,150 3 $500 Deductible 360 2 Stucco siding No
1967 515,000 Asphalt Shingles Roof 3,090 5 $2500-$5000 Deductible 3220 7 Stucco siding yes
1960 315,000 Tile Roof 2,110 4 $5000 to $10,000 Deductible 190 1 Stone Siding yes
2010 305,000 Composition Roof 1,610 3 $500 Deductible 1030 5 Stone Siding No
1987 795,000 Membrane Roof 4,020 5 $500 Deductible 1970 3 Vinyl siding yes
1969 250,000 Tile Roof 1,610 4 $500 Deductible 1920 10 Stone Siding No
1966 195,000 Metal Roof 1,200 3 $2500-$5000 Deductible 810 8 Stone Siding yes
1989 255,000 Shingles Roof 1,620 5 $5000 to $10,000 Deductible 920 6 Brick siding yes
1981 215,000 Metal Roof 1,320 3 $5000 to $10,000 Deductible 620 6 Brick siding yes
1961 625,000 Membrane Roof 3,150 5 $1000-$2500 Deductible 2430 8 Brick siding yes
2007 250,000 Asphalt Shingles Roof 1,270 3 > $10,000 Deductible 580 6 Vinyl siding yes
1982 270,000 Asphalt Shingles Roof 1,870 4 $500 Deductible 1940 10 Vinyl siding yes
1966 245,000 Membrane Roof 1,420 3 $500 Deductible 1360 7 Stucco siding yes
1965 395,000 Shingles Roof 2,220 4 $1000-$2500 Deductible 1790 7 Vinyl siding No
1984 225,000 Asphalt Shingles Roof 1,340 3 $1000-$2500 Deductible 1000 6 Brick siding yes
2009 370,000 Membrane Roof 2,610 4 $500- $1000 Deductible 350 1 Wood siding No
2014 370,000 Asphalt Shingles Roof 2,280 5 $5000 to $10,000 Deductible 900 4 Brick siding No
2006 580,000 Slate Shingles Roof 3,230 4 $500 Deductible 2750 5 Fiber-Cement Siding yes
1999 400,000 Asphalt Shingles Roof 2,500 4 $500 Deductible 4040 12 Fiber-Cement Siding yes
1982 505,000 Tile Roof 3,300 4 > $10,000 Deductible 1810 8 Vinyl siding yes
1988 210,000 Asphalt Shingles Roof 1,490 3 $5000 to $10,000 Deductible 270 2 Stone Siding yes
2000 340,000 Tile Roof 2,310 3 $500 Deductible 240 1 Fiber-Cement Siding yes
1998 340,000 Slate Shingles Roof 1,810 4 $1000-$2500 Deductible 2920 12 Wood siding yes
1965 285,000 Metal Roof 2,050 3 $500 Deductible 530 2 Fiber-Cement Siding yes
2014 885,000 Asphalt Shingles Roof 4,700 5 $5000 to $10,000 Deductible 1830 3 Brick siding yes