Gavop shows you how to buy homeowners insurance in Wading River, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Wading River, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Kristen Pl, Peach St, Karen Ct, Gerald St, Emmetts Ln, Oakmont Ct, Hulse Ave, Faye St, Woodchuck Hollow Ln, Saint Andrews Path | $283,000 | $240,000 | $250,000-$300,000 | $361,000 | $320,000 | $400,000-$500,000 |
| Brookline Ct, Tide Ct, Long View Dr, Sylvan Dr, Maidstone Ln, Taconic Ct, 19th St, Farm Rd S, Salem Ct, Joan Ct | $539,000 | $500,000 | $400,000-$500,000 | $471,000 | $440,000 | $400,000-$500,000 |
| Gladys Rd, Breezy Point Rd, Farm Rd W, Cotton Tail Ct, Joshua Ct, Co Rd 25, Berry Ln, Gully Rd, Wema Rd, Acorn Ct | $459,500 | $430,000 | $350,000-$400,000 | $461,500 | $390,000 | $500,000-$600,000 |
| Little Bay Rd, Meroke Trl, Broad View Cir, Sylvan Pl, Birdie Ct, Roberts Path, Deane St, E Woodland Dr, Ivy Cir, Michaels Ln | $491,500 | $430,000 | $400,000-$500,000 | $692,500 | $650,000 | $600,000-$700,000 |
| Forest Holw, Beach Club Ln, Jaynes Way, Great Rock Dr, Co Rd 54, Little Leaf Ct, Emerald Ln, Elizabeth Dr, Pine Cone Ct, Laurel Hollow Ct | $412,500 | $380,000 | $350,000-$400,000 | $488,500 | $400,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $828 |
| Superior Protection Discount | -$89 | $897 |
| Fire & Security Discount | -$69 | $916 |
| Hail Resistant Roof Discount | -$20 | $966 |
| Newly Constructed Home Discount | -$256 | $729 |
| 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 |
| Suffolk County | $700 | $1,491 | $2,191 | $1,084 | $1,784 | $408 |
| Wading River, NY | $2,000 | $973 | $2,973 | $707 | $2,707 | $266 |
| Poospatuck, NY | $200 | $655 | $855 | $476 | $676 | $179 |
| Stony Brook University, NY | $2,000 | $2,582 | $4,582 | $1,876 | $3,876 | $706 |
| Shelter Island, NY | $200 | $806 | $1,006 | $586 | $786 | $220 |
| Baywood, NY | $2,000 | $1,093 | $3,093 | $794 | $2,794 | $299 |
| Deer Park, NY | $400 | $957 | $1,357 | $695 | $1,095 | $261 |
| Ansonia, CT | $2,000 | $895 | $2,895 | $651 | $2,651 | $245 |
| Huntington Bay, NY | $200 | $1,014 | $1,214 | $737 | $937 | $277 |
| Southbury, CT | $2,500 | $983 | $3,483 | $715 | $3,215 | $269 |
| Island Park, NY | $300 | $1,603 | $1,903 | $1,165 | $1,465 | $438 |
| Katonah, NY | $1,000 | $749 | $1,749 | $544 | $1,544 | $205 |
| Home Insurance Company Wading River, NY | Homeowners Insurance Agency Wading River, NY | Address | Popularity Score | Distance from Wading River (miles) |
|---|---|---|---|---|
| State Farm | Michael Mccormick | 125 Route 25a Ste 400, Rocky Point, NY, 11778-8809 | 6.9 | |
| Travelers | The Clausen Agency Inc | 333 Rte 25a Ste 150, Rocky Point, NY, 11778 | 6.3 | |
| Travelers | Coughlin Insurance Services | 178 Myrtle Blvd, Larchmont, NY, 10538 | 49.1 | |
| State Farm | Jim Stevens | 745 Route 25a Unit 4, Miller Place, NY, 11764-2650 | 7.9 | |
| Allstate | Matthew Morse | 975 W Jericho Tpke Ste 2, Smithtown, NY, 11787 | 23.2 | |
| Allstate | Seth Jay Sultan | 3886 Merrick Rd, Seaford, NY, 11783 | 39.9 | |
| Travelers | Prime Coverage Corp | 1 Huntington Quad Ste 1n11, Melville, NY, 11747 | 32.8 | |
| Travelers | Ackerly Agency Inc | 174 West Main Street , East Islip, NY, 11730 | 24.7 | |
| State Farm | Dave Wise | 5960 Route 25a, Wading River, NY, 11792-2001 | 0.1 | |
| State Farm | Billy Williams | 218 Main St, Setauket-East Setauket, NY, 11733 | 14.7 |
| 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 | $800 | $1,620 | $820 |
| Suffolk County, NY | $379,400 | $1,509 | $1,090 | $2,140 | $1,050 |
| Wading River, NY | $398,900 | $985 | $720 | $1,410 | $690 |
| Poospatuck, NY | $159,800 | $663 | $470 | $940 | $470 |
| Stony Brook University, NY | $578,100 | $2,613 | $1,800 | $3,630 | $1,830 |
| Shelter Island, NY | $785,600 | $816 | $560 | $1,150 | $590 |
| Baywood, NY | $281,600 | $1,106 | $760 | $1,580 | $820 |
| Deer Park, NY | $353,700 | $968 | $670 | $1,370 | $700 |
| Ansonia, CT | $208,700 | $906 | $610 | $1,290 | $680 |
| Huntington Bay, NY | $1,091,500 | $1,027 | $710 | $1,410 | $700 |
| Southbury, CT | $325,000 | $995 | $710 | $1,400 | $690 |
| Island Park, NY | $370,900 | $1,622 | $1,180 | $2,290 | $1,110 |
| Katonah, NY | $714,400 | $758 | $540 | $1,040 | $500 |