How Can I Make My Oyster Bay, NY Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Oyster Bay, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Oyster Bay, NY Home Insurance Coverage Levels | Back to Top
| Oyster Bay, 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 | |
| Beach Rd, Deering Ct, Stable Ct, Tacoma Ln, Paula St, Colleran Pl, Kent Pl, Keith Pl, Clove Ln, Boblee Ln | $530,500 | $440,000 | $500,000-$600,000 | $570,500 | $460,000 | $500,000-$600,000 |
| Hunter Ln, Bay Beach Ave, Crestwood Blvd, Morgan St, Kuhl Ave, York Ave, Henderson Rd, Blanche St, The Lane, Johnson St | $397,500 | $360,000 | $400,000-$500,000 | $565,500 | $490,000 | $400,000-$500,000 |
| Raymond Ct, Dakota St, Columbia St, Humphrey Dr, Danton Ln N, Florence Rd, Susan St, Mountain Ave, Expressway Plz, N Hawthorne St | $650,500 | $560,000 | $600,000-$700,000 | $928,500 | $820,000 | $800,000-$900,000 |
| Horse Hollow Rd, Maxwell Ct, Valley Ave, Eton Ln, Osborne Ln, McCouns Ln, Alexander Dr, Ferney St, Elliman Pl, Belmart Ct | $314,500 | $270,000 | $350,000-$400,000 | $432,500 | $400,000 | $400,000-$500,000 |
| Gary Rd, Huron St, Windsor Dr, Lattingtown Rd, N Alaska Ave, Julie Ct, Huron Ave, The Hollows, Odell Ct, Farmers Ave | $584,500 | $500,000 | $500,000-$600,000 | $1,132,500 | $930,000 | More than 10,000,000 |
| Nottinghill Dr, Midwood Cross, Centre Island Rd, Chicken Valley Rd, Ford Dr S, Saturn Ct, Michele Ter, Andrew Ln, Bella Vista St, Deusenberg Dr | $576,000 | $460,000 | $600,000-$700,000 | $590,500 | $540,000 | $700,000-$800,000 |
| Simonson Rd, Hunt Pl, Bird Ct, Underhill Blvd, Muttontown Eastwoods Rd, E Maple St, Jeremy Ave, Lent Dr, Maria Ct, Herkimer Ave | $752,000 | $690,000 | $600,000-$700,000 | $760,000 | $620,000 | $600,000-$700,000 |
| Emily St, The Beeches, Highwood Rd, Lynn Dr, Brookville Rd, Coronet Cres N, Lake Shore Dr, Park Dr E, Brightwater Pl, Carman Gate | $248,500 | $210,000 | $200,000-$250,000 | $428,000 | $380,000 | $350,000-$400,000 |
| Venus Rd, Carpenter Ave Exd, Pinetree Ave, Falmouth St, Dayton St, Stanford Ln, Gateway St, Creek Ridge Rd, Woodhollow Ct, Nelson Ln | $357,000 | $310,000 | $250,000-$300,000 | $636,500 | $560,000 | $600,000-$700,000 |
| Melville Rd, Fern Pl, Cherry Ave, Maglie Dr, Bay Ave, Rottkamp Pl, Belair Dr, Roads End, Colorado Ct, Turret Ln | $383,500 | $350,000 | $400,000-$500,000 | $635,500 | $560,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Oyster Bay, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $732 |
| Superior Protection Discount | -$77 | $783 |
| Fire & Security Discount | -$95 | $766 |
| Hail Resistant Roof Discount | -$26 | $835 |
| Newly Constructed Home Discount | -$189 | $671 |
Choose the Right Deductible for your Oyster Bay, NY Home | Back to Top
| 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 |
| Nassau County | $2,500 | $1,499 | $3,999 | $1,089 | $3,589 | $410 |
| Oyster Bay, NY | $700 | $850 | $1,550 | $618 | $1,318 | $232 |
| Old Bethpage, NY | $200 | $842 | $1,042 | $612 | $812 | $230 |
| East Meadow, NY | $2,500 | $1,276 | $3,776 | $927 | $3,427 | $349 |
| Harbor Isle, NY | $100 | $2,180 | $2,280 | $1,584 | $1,684 | $596 |
| Valhalla, NY | $1,500 | $2,533 | $4,033 | $1,841 | $3,341 | $692 |
| Cresskill, NJ | $400 | $1,039 | $1,439 | $755 | $1,155 | $284 |
| Blauvelt, NY | $2,000 | $850 | $2,850 | $618 | $2,618 | $232 |
| Golden's Bridge, NY | $100 | $2,649 | $2,749 | $1,925 | $2,025 | $724 |
| Hillside, NJ | $1,000 | $772 | $1,772 | $561 | $1,561 | $211 |
| Crompond, NY | $200 | $2,334 | $2,534 | $1,696 | $1,896 | $638 |
| Essex Fells, NJ | $700 | $2,410 | $3,110 | $1,751 | $2,451 | $659 |
Identify Top Home Insurance Agents near Oyster Bay, NY | Back to Top
| Home Insurance Company Oyster Bay, NY | Homeowners Insurance Agency Oyster Bay, NY | Address | Popularity Score | Distance from Oyster Bay (miles) |
|---|---|---|---|---|
| State Farm | Sandra Simpson | 1268 Wantagh Ave, Wantagh, NY, 11793-2215 | 7.3 | |
| Allstate | David Tuohy Jr. | 233 E Main St, Huntington, NY, 11743 | 8.5 | |
| Travelers | Tillman Brokerage Inc | 260 Christopher Lane 3rd Floor, Staten Island, NY, 10314 | 36.2 | |
| Allstate | Lana Pikman | 4456 Amboy Rd, Staten Island, NY, 10312 | 38.4 | |
| Nationwide | John E Komara Jr | 675 Broadway Mall, Hicksville, NY, 11801 | 2.2 | |
| Nationwide | Laura M. Marino | 11617 Atlantic Ave, Richmond Hill, NY, 11418-3141 | 18.2 | |
| Travelers | The Halland Companies Llc | 88 Sunnyside Blvd Ste 100, Plainview, NY, 11803 | 2.1 | |
| Travelers | Pinkham Agency Inc | 40 Commerce Pl Ste 100, Hicksville, NY, 11801 | 2.7 | |
| State Farm | John Callahan | 294 New York Avenue, Huntington, NY, 11743-3335 | 6.8 | |
| State Farm | Adam Okula | 937 Willis Ave, Albertson, NY, 11507-1925 | 7.5 |
Compare Rates for Oyster Bay, NY Home Insurance Providers | Back to Top
| 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 | $780 | $1,660 | $880 |
| Nassau County, NY | $460,700 | $1,517 | $1,110 | $2,110 | $1,000 |
| Oyster Bay, NY | $485,900 | $861 | $620 | $1,180 | $560 |
| Old Bethpage, NY | $570,000 | $852 | $590 | $1,200 | $610 |
| East Meadow, NY | $414,200 | $1,291 | $920 | $1,850 | $930 |
| Harbor Isle, NY | $455,100 | $2,206 | $1,520 | $3,070 | $1,550 |
| Valhalla, NY | $565,300 | $2,564 | $1,770 | $3,640 | $1,870 |
| Cresskill, NJ | $595,200 | $1,052 | $730 | $1,480 | $750 |
| Blauvelt, NY | $497,700 | $861 | $590 | $1,210 | $620 |
| Golden's Bridge, NY | $596,100 | $2,681 | $1,930 | $3,830 | $1,900 |
| Hillside, NJ | $239,700 | $781 | $570 | $1,120 | $550 |
| Crompond, NY | $513,300 | $2,362 | $1,580 | $3,260 | $1,680 |
| Essex Fells, NJ | $834,400 | $2,439 | $1,730 | $3,490 | $1,760 |
Research Home Insurance Companies Reviews in Oyster Bay, NY Before Buying | Back to Top
Share a review on your home insurance company
MetLife Home Insurance Reviews
Date: October 01, 2018 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
My insurance covers my house itself, it covers some of the more expensive items in my home, it covers my fencing and everything is covered for natural disasters
Date: September 29, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I feel the insurance company which I am liked with offers somewhat more premium amount of their customers. we want to request our insurance company to reduce to some extent.
Date: September 25, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Communication
They are very good at communicating and making sure I'm aware of any changes ASAP and they are always very clear when communicating with me.
Date: September 14, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
The company is available 7 days a week and I have never had a long wait when trying to contact customer service. They have always been very professional, friendly, and helpful and I have never had an issue with their customer service in the 7 years I have been a customer.
Date: September 14, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
It covered damages of the house also structures attached to it. It also includes damage to fixtures such as plumbing, electricity, heating and permanently installed air-conditioning systems.
Date: September 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
Its good to review about the policies but some distraction to believe to some extent. also expecting still more offerings from the company side. More its not as much problem.
Date: September 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I honestly have not compared my coverage with other insurance companies because I have always used MetLife for my auto insurance as they had the best prices for my coverage and so when it came down to finding home insurance when purchasing my home I decided to bundle it in with my auto in order to get a discount and because I already knew and liked the company.
Date: August 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
I feel the insurance company which I am linked with was better in the process of interaction also expecting these good communication services from them some more customer in a friendly way in forthcoming years too.
Date: June 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Customer Service
up to date there no problem with the home insurance company where we deal with also expecting these customer services from them some more customer friendly in forth coming years too.
Date: March 15, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Website/App
I like that the website for MetLife is very organized and straightforward/ easy to use. It has all the information I have ever needed and the phone number for my insurance company is easy to find.
AAA Home Insurance Reviews
Date: September 28, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Communication
They answer the phone quickly, no long on hold or wait times. The agents are friendly and quick with answers. the insurance company also is great with communication regarding policy updates and renewal reminders.
Date: August 14, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
We chose AAA because the price was lower than other companies for the same (or more) coverage. We have options for payment also, which I like
Date: June 13, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
It is easy to navigate and understand. I can renew my policies quickly and live chat if i need to. I also have access to everything else that AAA offers.
Date: May 15, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
Everything is covered. We have an extra rider for our finished basement too plus an umbrella policy.
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
Customer service is fast, friendly and up to date. They paid out a claim within a few days which was so helpful in our time of need.
State Farm Home Insurance Reviews
Date: October 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
They are always ready and willing to respond to me. They always get back to me as soon as possible and that is great to see.
Date: July 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
They cover everything and that is the main reason why I went with them. They are transparent and I work well with them.
Date: July 27, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Customer Service
The customer service is one of the best that I have ever used. They are very kind and they care a lot about me.
Date: May 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
There is nothing that I dislike about the company. They are very easy to work with and the app is very simple to use. I enjoy it.
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
Other companies did not have the same offerings that this one did. I liked this one because it was simple and transparent.
USAA Home Insurance Reviews
Date: April 11, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
in our company we offer a good offers in changes of our services and without problems some with our clients
Date: February 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I have a deductible of $500 which is fairly standard, I think. I didn't really shop around because I use USAA for everything and I know even if they're more expensive they'll be in my corner if I need to make a claim and make it painless.
Date: October 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
My insurance covers most of my home and dwellings. It doesn't cover for some of the flood instances though without purchasing additional converage.
Allstate Home Insurance Reviews
Date: April 04, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
They offer a wide range of coverages and with the patience of the customer service they will walk you step by step of all there policies and coverages to make sure.
Date: December 09, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Customer Service
My experience has been very positive with Allstate for my insurance. I've filed a couple of claims and everything went smoothly. I would rate them a 5.
GEICO Home Insurance Reviews
Date: December 30, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I have used Geico since I got my first apartment in college and have never had any issues with the policy I am on. As far as I'm concerned, they offer a competitive rate and similar policies to most other large insurance companies.
Date: November 28, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I needed a new roof after one of the hurricanes and Geico gave me A++++ service. I am am extremely pleased with Geuci.
Progressive Home Insurance Reviews
Date: January 02, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Well I must say the service is very good I could not be happier. They do care for their customers.