Gavop's guide to buying homeowners insurance in Oakdale, 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 | $110,000 | $100,000 | $75,000-$100,000 |
| 2 Bedroom | $175,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $292,500 | $260,000 | $250,000-$300,000 |
| 4 Bedroom | $439,000 | $370,000 | $400,000-$500,000 |
| 5 Bedroom | $393,500 | $340,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$206 | $877 |
| Superior Protection Discount | -$108 | $974 |
| Fire & Security Discount | -$119 | $963 |
| Hail Resistant Roof Discount | -$22 | $1,061 |
| Newly Constructed Home Discount | -$314 | $768 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,537 |
| Hail Damage | $4,853 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $15,884 |
| Home Insurance Company Oakdale, NY | Homeowners Insurance Agency Oakdale, NY | Address | Popularity Score | Distance from Oakdale (miles) |
|---|---|---|---|---|
| State Farm | Ted Kosmidis | 31 Vanderbilt Motor Pkwy, Commack, NY, 11725-5409 | 9.8 | |
| Travelers | Schmutter-Strull-Fleisch Inc | 80 Maiden Ln Ste 1203, New York, NY, 10038 | 45.9 | |
| Allstate | Debbie Stockton | 108 Kraft Ave, Bronxville, NY, 10708 | 39.3 | |
| Travelers | Prime Coverage Corp | 1 Huntington Quadrangle Ste 1n11, Melville, NY, 11747 | 15.1 | |
| Allstate | Ben Rodriguez | 694 Motor Pkwy # S200, Hauppauge, NY, 11788 | 7.2 | |
| Allstate | Eileen Wulff | 3832 Sunrise Hwy, Seaford, NY, 11783 | 19.2 | |
| Travelers | Maximus Insurance Agency Inc | 684 Broadway, Massapequa, NY, 11758 | 17.7 | |
| Travelers | Lombardo-Scotti Agency | 733 Yonkers Ave Ste 304, Yonkers, NY, 10704 | 40.4 | |
| State Farm | Bill Dacosta | 587 Broadway, Massapequa, NY, 11758-5023 | 17.9 | |
| Allstate | Piotr Wendland | 5503 13th Ave, Brooklyn, NY, 11219 | 45.8 |
| 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 | $840 | $1,650 | $810 |
| Suffolk County, NY | $379,400 | $1,509 | $1,070 | $2,140 | $1,070 |
| Oakdale, NY | $424,600 | $1,082 | $780 | $1,530 | $750 |
| East Patchogue, NY | $315,300 | $1,285 | $930 | $1,760 | $830 |
| East Massapequa, NY | $424,400 | $1,082 | $790 | $1,490 | $700 |
| South Farmingdale, NY | $388,700 | $1,739 | $1,180 | $2,470 | $1,290 |
| Garden City, NY | $811,800 | $843 | $620 | $1,200 | $580 |
| Long Beach, NY | $463,200 | $1,529 | $1,020 | $2,090 | $1,070 |
| Old Greenwich, CT | $1,386,700 | $916 | $670 | $1,250 | $580 |
| Hewlett, NY | $439,600 | $1,141 | $810 | $1,620 | $810 |
| South Valley Stream, NY | $443,500 | $2,122 | $1,510 | $2,930 | $1,420 |
| Cresskill, NJ | $595,200 | $1,052 | $730 | $1,490 | $760 |
| Hasbrouck Heights, NJ | $406,800 | $1,315 | $910 | $1,830 | $920 |