Hempstead, NY - Homeowners Insurance Buying Guide

Gavop's guide to buying homeowners insurance in Hempstead, 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.

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Select the Suitable Coverage Value for your Hempstead, NY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $115,000 $100,000 $75,000-$100,000
2 Bedroom $238,500 $220,000 $250,000-$300,000
3 Bedroom $306,000 $280,000 $250,000-$300,000
4 Bedroom $578,500 $520,000 $500,000-$600,000
5 Bedroom $990,000 $880,000 More than 10,000,000

Choose the Best Hempstead, NY Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 500-549 Credit Score $50 to $75,000 No Pets, Smoker $750
Part Time Job 700-749 Credit Score <$25,000 3 Pets, Smoker $2,060
Unemployed Up to 499 Credit Score <$25,000 1 Pet, Non-Smoker $2,090

Choose your Hempstead, NY Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,975
Physical Damage $2,344
Hail Damage $4,806
Wind Damage $6,305
Expensive Claims
Fire $45,123
Smoke $16,386

Identify Top Home Insurance Agents near Hempstead, NY | Back to Top

Home Insurance Company Hempstead, NY Homeowners Insurance Agency Hempstead, NY Address Popularity Score Distance from Hempstead (miles)
Travelers Brooks Waterburn Corp 123 Frost St 123 Frost St Westbury, Westbury, NY, 11590
9.2
Allstate David H. Cohen 464 Kings Hwy, Brooklyn, NY, 11223
19.2
Travelers Aaron Plum Inc 255 W 231st St, Bronx, NY, 10463
23.1
Allstate Howard Levy 4702 16th Ave, Brooklyn, NY, 11204
19.7
Liberty Mutual Independent Prince Associates Inc 270 Duffy Ave Ste D, Hicksville, NY, 11801
9.5
Allstate Grigory Baranovsky 20 Avenue O, Brooklyn, NY, 11204
19.8
Allstate Jaweed Shariff 932 Madison St, Brooklyn, NY, 11221
16.8
State Farm Herb Albernas 1575 Dutch Broadway, Valley Stream, NY, 11580-1333
6.0
State Farm Douglas Graham 811 Elmont Rd Ste 3, Elmont, NY, 11003-4034
7.1
State Farm Ray Corrado 725 Franklin Ave, Garden City, NY, 11530-4524
6.5

Compare Rates for Hempstead, NY Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
New York $295,300 $1,480 $1,020 $2,060 $1,040
Nassau County, NY $467,500 $1,960 $1,390 $2,800 $1,410
Hempstead, NY $434,100 $1,870 $1,330 $2,660 $1,330
Valley Stream, NY $393,900 $1,180 $790 $1,690 $900
Inwood, NY $400,300 $1,880 $1,350 $2,590 $1,240
North Middletown, NJ $273,000 $1,230 $890 $1,750 $860
Lodi, NJ $362,700 $1,230 $820 $1,700 $880
Patchogue, NY $302,700 $1,240 $840 $1,700 $860
Westwood, NJ $440,500 $1,890 $1,380 $2,660 $1,280
Brownville, NJ $293,300 $1,410 $960 $1,930 $970
Plainfield, NJ $279,900 $1,320 $950 $1,870 $920
Somerset, NJ $322,500 $1,290 $930 $1,820 $890
Milford, CT $321,500 $1,320 $950 $1,830 $880

Research Home Insurance Companies Reviews in Hempstead, NY Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: January 01, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
State Farm has had great customer service when helping with my needs as well as my family's. Throughout the years we have a personal agent in town we can go talk to in person or digitally. This is a great convenience and they offer a well rounded service.

Date: December 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Our premium and deductible is very reasonable. They will more then cover our house and belonging if anything were to happen on our property.

Date: December 02, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
My deductible is 500 which is an average deductible I found. My premium is cheaper than other insurance agencies I checked with. I try to check around each year when my new rates are sent to me. I like to make sure I am getting the best rates for my coverage.

Date: October 17, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
My possessions are covered in the case of fire, flood, or robbery. I have the ability to document valuables such as my bicycle and laptop for additional coverage as well.


Date: September 18, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I feel like the premium is very good and it's a much better rate compared to other companies. My insurance company has great support.

Date: September 17, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
My home insurance company has great communication and they're a very friendly company. They're easy to work with and I feel good about that.

Date: August 06, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Their customer service is very friendly and very helpful. They help me with any issue I have. It's always a good experience working with them.

Date: August 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
My house is covered and also things like my fence and tool shed. Damage like heating and electrical wiring. Also, living expenses while my house is being repaired.


Date: March 11, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Website/App
I like how the website is so easy to use and it has nice features. It's always so easy to find what I'm looking for.

AAA Home Insurance Reviews

Date: July 08, 2019    Age: 30 to 39    Gender: Married    Marital Status: Female

Premium
The premium i have right now is the lowest i could find with my current deductible. Other insurance companies have come close, but their deductible is much higher than what i am paying right now.

Date: September 23, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Website/App
My company's website is easy to navigate. I can look up my coverage, my policies, print my insurance cards, and find phone numbers quickly and easily. I also renew my homeowners, umbrella and auto policies online, which I LOVE. I've also sent comments and questions through the website and received answers super quick.

Date: August 10, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
Very nice and responsive. They get back to me within hours if I have to leave a message, which is rare. I am never on hold for very long. I also like the online comment/question area of the website, where a customer service rep responds quickly.

Date: May 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I originally picked AAA because it offered the same (or more) coverage than the competitors at a cheaper rate. We also receive the benefit of travel and shopping discounts with AAA.

Date: March 19, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
THE HOUSE, BELONGINGS INSIDE, GARAGE, JEWELRY, REPLACEMENT, AND WE HAVE AN UMBRELLA POLICY WHICH COVERS WHATEVER OUR HOME POLICY DOESNT.


Date: November 18, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
See above customer service comments. They are fast and efficient. Also, I am notified early when I need to renew as a courtesy. And the travel information I receive in the mail is awesome.

Feltner Group Home Insurance Reviews

Date: September 17, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
COMPARED TO OTHER INSURANCE COMPANY THE PREMIUM IS ABOUT THE SAME. THEY ARE EASY TO SIGN ON WITH. I LIKE THE PREMIUM. THE PRICE IS GREAT. NO COMPLAINTS AT ALL

Date: September 16, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I HAVE A YEARLY POLICY WITH COVERAGE FOR HOME, CONTENT AND INJURY TO HOUSEHOLD. I DO NOT HAVE FLOOD COVERAGE. THE POLICY HAS A GREAT PAY PLAN, I HAVE BEEN WITH THEM FOR ALMOST 13 YEARS AND NEVER HAD ANY PROBLEMS TO USE POLICY FOR.


Date: August 23, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
THERE ARE NO DISLIKE PROBLEMS WITH THE INTERACTION OR COMMUNICATION. THEY ALWAYS MAKE ME FELL APPRECIATED.

Date: May 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
I DISLIKE THE WEBSITE BECAUSE OF MALWARE THAT TENDS TO FOLLOW A WEBSITE VISIT. I HAVE TRIED TWICE AND WEBSITE IS NOT FOR MY DOING BUSINESS.

Date: December 03, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
THE CUSTOMER SERVICE IS EXCELLENT. THEY ARE VERY INTELLIGENT WHEN I CONTACT CUSTOMER SERVICE. THEY ANSWER MY QUESTIONS PROMPTLY AND THEY ARE ALWAYS PLEASANT.

USAA Home Insurance Reviews

Date: July 20, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
my experience during evacuation time with hurricanes and other little things i have dealt with they have been wonderful

Date: April 11, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
The offerings from USAA are comparable with the offerings from other companies. I am very pleased with the price and service I receive.


Date: March 28, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
I beieve my premium is hard to beat by other companies. It is hard for me to say how the dedutible is as it has been a long time.I am very satisifed with my price based on my deductible.

Nationwide Home Insurance Reviews

Date: September 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The other companies did not quote me in the lower price range that I needed compared to nationwide.

Date: September 15, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
My home is covered up to the dollar amount needed, it covers the items within my home and also covers some other items.


Date: August 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I like that they are easy to contact and are friendly and find ways to solve my needs.

Erie Insurance Home Insurance Reviews

Date: February 11, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Our company offers a discount because we also have car insurance through them. So compared to other companies the premium is unbeatable. The deductible is about average compared to other companies offering the same services.

Date: November 25, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
Erie has always been helpful and pleasant whenever I have had to contact them. They have given good information, answered all my questions, and worked with us to obtain good coverage with good rates.

Arrow Financial Corporation Home Insurance Reviews

Date: December 30, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
Since I live in Florida it seems like most home insurance premiums are quite high, even if you take the mitigation efforts to lower insurance costs. Sadly, Floridians also frequently have to go to the last-resort company when a company spikes insurance rates or withdraw from the state. After going to the last-resort insurer, you are then handed off to whomever is chosen to decrease their liability.

7 Discounts to Lower Your Hempstead ,NY Homeowners Insurance Costs