Yonkers, NY Home Insurance - Analysis On Quotes, Rates & Agents
Yonkers Insurance Rates:
Yonkers, NY homeowners insurance is about $551 to $748, about $45-$62/month. Our complete guide shows customers can save as much as $260 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
National GeneralNational General has been nothing but helpful to me. They have answered all of my questions, and put my concerns at ease as well.
UsaaWhen I was shopping for insurance the insurance from USAA was not the cheapest, however, the other companies wanted me to buy auto insurance through them for more than I pay now and/or had a slightly poorer quality of insurance.
TravelersWell, I haven't come across anything that we would dislike. It really has been a good choice that we are happy with.
State FarmThere isn't anything that I do not like about State Farm They are a reputable company that have been in business for a very long time, and we have always received personalized service with the representatives and the company as a whole
UsaaUSAA has the best customer service and they make it incredibly easy to deal with them, from putting your policy together to answering any questions you might have.
Farmer's InsuranceThe premium is great because I have items that are covered that other insurance companies offer an additional fee and less coverage.
AllstateI don't like that my husband and I have two different agents. They email me too much and they're expensive.
Safeco InsuranceThe premium keeps increasing every single year. It never goes down and it never stays the same. It would be nice if one of these years it would at least stay the same.
State FarmI like that I can just drive to the office and get answers to questions that I have.
UsaaThe premium is good compared to other insurance companies. The deductible is high and increases to 2% of the home's values if the damage is caused by a hurricane.
AaaI don't like receiving constant ads about other services. I sometimes feel like they do not explain certain parts of the ball well.
Amica Mutual InsuranceIts hard to always know how an insurance company will act when a claim is filed, so if and when we file our first claim it will be interesting to learn how the experience goes.
Union Mutualsometimes the failure in customer support & delay claim process
UsaaI rate USAA as a 5 with home insurance. I would recommend their insurance because it is quick, easy, and reasonably priced. Every time I call USAA with a question or problem, I always receive great customer service stationed in the states. Having knowledge and English fluent customer service reps is a must for me.
UsaaThe prices tend to be higher than similar coverage from other insurance companies, and price hikes tend to be higher on average on an annual basis.
Geicothey seem to do what they are supposed to be paid to do, hope it holds true when it comes down to brass tacks and I need money to rebuild a life
UsaaI automatically go to USAA first for any financial products I need. If their prices are competitive then I use their products because they are the most sincere bank that I have ever dealt with.
MetlifeWhen you need to speak with someone directly, they seem to push you towards the online portal instead of letting you speak with a real person.
State FarmMy agent sends me letters with other insurance offers, in case i need to add more coverage to my current policies.
UsaaI really love the services of my home insurance company. they have time for every customer and they also have good products in terms of home insurance.
Yonkers, NY Homeowners Insurance By Home Value
| Yonkers, NY Home Value | Total Homes | % of Total | Average Yonkers, NY Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 554 | 3.0% | $39 |
| $50,000 to $59,999 | 244 | 1.0% | $78 |
| $70,000 to $79,999 | 231 | 1.0% | $117 |
| $80,000 to $89,999 | 441 | 2.0% | $130 |
| $90,000 to $99,999 | 268 | 1.0% | $143 |
| $100,000 to $124,999 | 1,472 | 9.0% | $169 |
| $125,000 to $149,999 | 1,208 | 7.0% | $214 |
| $150,000 to $174,999 | 1,720 | 10.0% | $253 |
| $175,000 to $199,999 | 1,052 | 6.0% | $292 |
| $200,000 to $249,999 | 2,208 | 13.0% | $351 |
| $250,000 to $299,999 | 2,048 | 12.0% | $429 |
| $300,000 to $399,999 | 4,683 | 28.0% | $546 |
Top Home Insurance Agents Near Yonkers, NY
| Home Insurance Company Near Yonkers, NY | Homeowners Insurance Agency Near Yonkers, NY | Address |
|---|---|---|
| Allstate | Betty Starobinsky | 410 Brighton Beach Ave, Brooklyn, NY, 11235 |
| Travelers | Davies & Associates | 80 FLORAL AVE, MURRAY HILL, NJ, 7974 |
| Nationwide | Ginsberg Agency Llc | 222 Atlantic Ave, Oceanside, NY, 11572 |
| Allstate | Joseph Beringhelli | 52-C West Madison Ave, Dumont, NJ, 7628 |
| Allstate | Thomas Mcdermott | 370 Lexington Ave Rm 1512, New York, NY, 10017 |
Cost Of Homeowners Insurance By Street Near Yonkers, NY
| Streets in Yonkers Area | Homeowners Insurance Cost |
|---|---|
| Culver St, Raymond Pl, Elinor Pl, Bellevue Pl, Undercliff St, Juana St, Beechwood Ter, Enterprise Blvd, Hancock Ave, Bayley Ave | $635 |
| Lamar Pl, Colonial Pkwy, Lasalle Dr, Eastwind Rd, Pelton St, Hart Ave, Wellyn Rd, Essex Pl, Park View Ave, McArthur Ave | $611 |
| Hilltop Acres, Fairview St, George St, Overcliff St, Bashford St, Malvern Rd, Ashton Rd, Cassilis Ave, Cambridge Ave, Kenmore St | $694 |
| Bogert Pl, Caroline Ave, Bronxville Rd, Grosbeak Rd, Odell Plz, Hudson View Dr, Rider Ave, Knowles St, Dickinson Ave, Rossmore Ave | $649 |
| Spafford Ave, Frederick St, Blackford Ave, Yonkers Ter, Fernbrook St, Wainwright Ave, Colin St, Columbus Pl, Primrose Ave, Altonwood Pl | $683 |
| Rudolph Ter, Clubway Cir, Vredenburgh Ave, Father Finian Sullivan Dr, Dorset Rd, Caryl Ave, Lindsey St, Nelson St, Abbott St, Dartmouth Ave | $663 |
| Allen Ave, Middleboro Dr, Hudsonview Ter, Trausneck Pl, Lane St, Healey Pl, Bristol Pl, S Waverly St, Langdon Ter, Birch Brook Rd | $662 |
| Calmet Pl, Morsemere Pl, Larrimore Rd, Morris St, Gunther Ave, Xavier Dr, Philipse Rd, Robley St, Prospect Ter, Woodrow Dr | $646 |
| Onondaga St, Patton Dr, Longvale Rd, Morningside Pl, Travers Ave, Convent Ave, Delaware Rd, Carroll St, Cowles Ave, Crisfield St | $658 |
| Executive Blvd, Valley Ave, Morsemere Ave, Elliott Ave, Castle St, Wolffe St, Treadwell Pl, Henderson Ave, College Pl, Staunton St | $673 |
Yonkers, NY Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Yonkers | $97 to $99 |
| Bronxville | $112 |
| Tuckahoe | $101 |
| Eastchester | $102 |
Yonkers, 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 |
|---|---|---|---|
| Bronxville village, New York | $112 | $149 | $224 |
| Tuckahoe village, New York | $101 | $135 | $203 |
| Eastchester town, Westchester County, New York | $102 | $136 | $204 |
Yonkers, NY Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Yonkers, NY | 2.1% | 5.4% |
| Bronxville | 1.56% | 6.23% |
| Tuckahoe | 1.77% | 5.64% |
| Eastchester | 1.65% | 5.68% |
Yonkers Renters Insurance as a Percentage of Rent
| Yonkers Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 1,552 | 4.0% | $770 |
| $300 to $499 | 1,930 | 5.0% | $1220 |
| $500 to $749 | 3,189 | 8.0% | $1895 |
| $750 to $999 | 6,467 | 17.0% | $2645 |
| $1,000 to $1,499 | 15,051 | 39.0% | $3770 |
| $1,500 or more | 9,368 | 24.0% | $5420 |
Yonkers, NY Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Yonkers Homeowner Insurance Premium Example | $4,400 | $3,900 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $23,600 | $22,100 |
| Net Savings to Yonkers Home Owner from High Deductible Plan | $1,500 | |
Yonkers, NY Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Yonkers, NY Home Replacement Value MORE than Home Value | Yonkers, NY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $509,000 | $369,000 |
| Insurance Premium based on Replacement Value | $4,725 | $3,425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $70,000 | Risk Exposure from Under Insuring Coverage is $70,000 |
| Premium Impact | Insurance cheaper by $650/year | Insurance costlier by $650/year |
Example Yonkers Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Chubb Group of Insurance | Allstate | State Farm |
| Monthly Premium | 115 | 404 | 417 |
| Year Built | 1966 | 1953 | 1971 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $400000-$500000 | $500000-$600000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Yonkers, NY from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1942 | 655,000 | Tile Roof | 2,980 | 4 | $500 Deductible | 1150 | 2 | Brick siding | No |
| 1950 | 225,000 | Slate Shingles Roof | 1,110 | 2 | $1000-$2500 Deductible | 1420 | 7 | Fiber-Cement Siding | No |
| 1955 | 275,000 | Shingles Roof | 1,700 | 4 | $2500-$5000 Deductible | 1480 | 10 | Stone Siding | No |
| 1956 | 345,000 | Shingles Roof | 1,430 | 3 | $1000-$2500 Deductible | 2360 | 9 | Wood siding | yes |
| 1971 | 430,000 | Membrane Roof | 1,790 | 3 | $500- $1000 Deductible | 4110 | 9 | Stone Siding | No |
| 1974 | 240,000 | Wood Shake Roof | 1,360 | 3 | $2500-$5000 Deductible | 460 | 3 | Vinyl siding | yes |
| 1945 | 510,000 | Membrane Roof | 2,360 | 3 | $5000 to $10,000 Deductible | 1300 | 4 | Stucco siding | yes |
| 1951 | 220,000 | Tile Roof | 1,240 | 2 | $500- $1000 Deductible | 1600 | 10 | Stucco siding | No |
| 1974 | 380,000 | Composition Roof | 1,710 | 3 | $1000-$2500 Deductible | 1290 | 7 | Fiber-Cement Siding | No |
| 1940 | 690,000 | Asphalt Shingles Roof | 3,110 | 4 | $5000 to $10,000 Deductible | 2890 | 9 | Wood siding | yes |
| 1975 | 630,000 | Composition Roof | 2,630 | 4 | $2500-$5000 Deductible | 5000 | 12 | Wood siding | No |
| 1972 | 480,000 | Metal Roof | 2,620 | 4 | $1000-$2500 Deductible | 2550 | 6 | Brick siding | yes |
| 1965 | 375,000 | Shingles Roof | 2,270 | 3 | $1000-$2500 Deductible | 1650 | 5 | Fiber-Cement Siding | No |
| 1959 | 300,000 | Shingles Roof | 1,760 | 3 | > $10,000 Deductible | 1370 | 9 | Wood siding | No |
| 1944 | 415,000 | Slate Shingles Roof | 2,310 | 4 | $500 Deductible | 3150 | 10 | Brick siding | No |
| 1945 | 355,000 | Wood Shake Roof | 1,520 | 2 | > $10,000 Deductible | 130 | 1 | Brick siding | No |
| 1971 | 280,000 | Asphalt Shingles Roof | 1,390 | 3 | $5000 to $10,000 Deductible | 1030 | 5 | Wood siding | yes |
| 1942 | 430,000 | Asphalt Shingles Roof | 2,160 | 3 | $1000-$2500 Deductible | 270 | 1 | Stone Siding | No |
| 1978 | 355,000 | Asphalt Shingles Roof | 1,510 | 3 | $1000-$2500 Deductible | 2690 | 10 | Vinyl siding | yes |
| 1969 | 630,000 | Membrane Roof | 2,580 | 4 | $2500-$5000 Deductible | 3490 | 9 | Stucco siding | No |
| 1940 | 300,000 | Composition Roof | 1,740 | 3 | > $10,000 Deductible | 1390 | 7 | Stone Siding | yes |
| 1959 | 230,000 | Asphalt Shingles Roof | 1,110 | 2 | $2500-$5000 Deductible | 640 | 4 | Stucco siding | yes |
| 1954 | 310,000 | Metal Roof | 1,300 | 2 | $2500-$5000 Deductible | 1360 | 6 | Stucco siding | No |
| 1961 | 680,000 | Slate Shingles Roof | 1,929 | 3 | $500- $1000 Deductible | 4500 | 8 | Vinyl siding | No |