Gavop's guide to buying homeowners insurance in Westchester County, NY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $115,500 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $212,000 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $411,500 | $360,000 | $350,000-$400,000 |
| 4 Bedroom | $504,000 | $430,000 | $500,000-$600,000 |
| 5 Bedroom | $546,000 | $500,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$188 | $916 |
| Superior Protection Discount | -$110 | $993 |
| Fire & Security Discount | -$110 | $993 |
| Hail Resistant Roof Discount | -$22 | $1,081 |
| Newly Constructed Home Discount | -$221 | $882 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Westchester County | $2,000 | $1,090 | $3,090 | $792 | $2,792 | $298 |
| Westchester County, NY | $2,000 | $1,090 | $3,090 | $792 | $2,792 | $298 |
| Mount Kisco, NY | $300 | $987 | $1,287 | $717 | $1,017 | $270 |
| New Canaan, CT | $2,500 | $907 | $3,407 | $659 | $3,159 | $248 |
| Rockleigh, NJ | $500 | $590 | $1,090 | $429 | $929 | $161 |
| Port Washington North, NY | $1,500 | $791 | $2,291 | $575 | $2,075 | $216 |
| Prospect Park, NJ | $500 | $953 | $1,453 | $693 | $1,193 | $261 |
| Smithtown, NY | $1,000 | $837 | $1,837 | $608 | $1,608 | $229 |
| Verona, NJ | $100 | $1,001 | $1,101 | $727 | $827 | $274 |
| Woodmere, NY | $1,000 | $850 | $1,850 | $618 | $1,618 | $232 |
| Newark, NJ | $500 | $853 | $1,353 | $620 | $1,120 | $233 |
| Wawayanda, NY | $2,500 | $897 | $3,397 | $652 | $3,152 | $245 |
| Home Insurance Company Westchester County, NY | Homeowners Insurance Agency Westchester County, NY | Address | Popularity Score | Distance from Westchester County (miles) |
|---|---|---|---|---|
| Travelers | Scavone Insurance Center | 470 Mamaroneck Ave Ste 205, White Plains, NY, 10605 | 9.0 | |
| State Farm | Jim Stevens | 745 Route 25a Unit 4, Miller Place, NY, 11764-2650 | 42.8 | |
| State Farm | Delores Clemons | 562 Kimball Avenue, Yonkers, NY, 10704 | 17.0 | |
| Nationwide | Blerim Cami Agency | 2064 Bath Ave, Brooklyn, NY, 11214 | 40.4 | |
| Allstate | Todd Cameron | 939 Huguenot Ave, Staten Island, NY, 10312 | 48.8 | |
| State Farm | Steve Sules | 10 E Hartsdale Ave, Hartsdale, NY, 10530-2708 | 9.6 | |
| State Farm | Dick Flanagan | 146 E 78th St, New York, NY, 10075-0351 | 28.4 | |
| State Farm | Jim Bryan | 181 S Broadway Apt 1, Tarrytown, NY, 10591-4531 | 8.3 | |
| Travelers | Albert J Chapman Agency Inc | 1852 Commerce St, Yorktown Heights, NY, 10598 | 8.5 | |
| Travelers | Washington State Pta | Abc Llc 99 Park Ave 25th Floor, New York, NY, 10016 | 30.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New York | $293,000 | $1,164 | $850 | $1,660 | $810 |
| Westchester County, NY | $513,300 | $1,103 | $810 | $1,510 | $700 |
| Westchester County, NY | $513,300 | $1,103 | $810 | $1,520 | $710 |
| Mount Kisco, NY | $402,500 | $999 | $730 | $1,430 | $700 |
| New Canaan, CT | $1,439,600 | $918 | $670 | $1,270 | $600 |
| Rockleigh, NJ | $1,703,100 | $597 | $410 | $850 | $440 |
| Port Washington North, NY | $766,300 | $801 | $540 | $1,140 | $600 |
| Prospect Park, NJ | $259,800 | $965 | $690 | $1,340 | $650 |
| Smithtown, NY | $483,900 | $847 | $620 | $1,180 | $560 |
| Verona, NJ | $435,000 | $1,013 | $730 | $1,440 | $710 |
| Woodmere, NY | $623,000 | $861 | $620 | $1,210 | $590 |
| Newark, NJ | $222,800 | $863 | $580 | $1,200 | $620 |
| Wawayanda, NY | $276,700 | $908 | $620 | $1,240 | $620 |