Gavop shows you how to buy homeowners insurance in Middle Island, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Middle Island, NY - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Lori Ln, Birchwood Park Dr, Cottage Ct, Robert Ln, Creekside Dr, Pine Cone St, Cedar Grove Ter, Redbud Ct, Tracie Ln, Pond Dr | $238,000 | $200,000 | $175,000-$200,000 | $364,000 | $340,000 | $300,000-$350,000 |
| Alexandra Dr, Wagner Rd, Island Bay Ave, Ariel Dr, Brook Dr, Eagle Hill Ct, Flicker Dr, Swezeytown Rd S, Juniper Ct, Artist Lake Dr | $219,000 | $180,000 | $175,000-$200,000 | $179,500 | $160,000 | $175,000-$200,000 |
| Poinsetta Ave, Madison Cir, Mill Lot Rd, Lake Pointe Cir, Vintage Ct, Lavern Dr, Frank Ave, Waterway Dr, Longwood Rd, Coram Swezeytown Rd | $200,000 | $180,000 | $175,000-$200,000 | $273,000 | $250,000 | $200,000-$250,000 |
| Winterberry Dr, Mauritz Blvd, Palette Dr, Patricia Ct, Dove Rd, Lake Pointe Ct, Gauguin Ct, Ethan Cir, Eric Dr, Jillian Ln | $182,000 | $170,000 | $200,000-$250,000 | $242,500 | $210,000 | $200,000-$250,000 |
| Richard Ln, Shelley Dr, Williams Ln, Turnpike Blvd, Jennifer Ln, Whistler Ct, Kate Cir, Monet Ct, Swezeytown Rd N, Ivy Meadow Ct | $150,500 | $140,000 | $150,000-$175,000 | $193,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$142 | $748 |
| Superior Protection Discount | -$80 | $810 |
| Fire & Security Discount | -$89 | $801 |
| Hail Resistant Roof Discount | -$27 | $864 |
| Newly Constructed Home Discount | -$223 | $668 |
| 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 |
| Middle Island, NY | $2,500 | $880 | $3,380 | $639 | $3,139 | $240 |
| Bayport, NY | $300 | $1,088 | $1,388 | $791 | $1,091 | $297 |
| Aquebogue, NY | $1,500 | $1,972 | $3,472 | $1,433 | $2,933 | $539 |
| Baywood, NY | $400 | $1,093 | $1,493 | $794 | $1,194 | $299 |
| West Haven, CT | $2,500 | $977 | $3,477 | $710 | $3,210 | $267 |
| East Norwich, NY | $300 | $2,809 | $3,109 | $2,041 | $2,341 | $768 |
| Garden City South, NY | $2,500 | $2,324 | $4,824 | $1,689 | $4,189 | $635 |
| Bellerose Terrace, NY | $400 | $1,781 | $2,181 | $1,295 | $1,695 | $487 |
| Hartsdale, NY | $1,500 | $783 | $2,283 | $569 | $2,069 | $214 |
| Lyme, CT | $400 | $2,016 | $2,416 | $1,465 | $1,865 | $551 |
| Wolcott, CT | $2,000 | $846 | $2,846 | $615 | $2,615 | $231 |
| Home Insurance Company Middle Island, NY | Homeowners Insurance Agency Middle Island, NY | Address | Popularity Score | Distance from Middle Island (miles) |
|---|---|---|---|---|
| State Farm | Brian Downes | 6134 188th St Ste 205, Fresh Meadows, NY, 11365-2726 | 45.2 | |
| Allstate | Matthew Morse | 975 W Jericho Tpke Ste 2, Smithtown, NY, 11787 | 16.1 | |
| Allstate | Zohreh Khalilzadeh | 610 Broadhollow Rd, Melville, NY, 11747 | 26.5 | |
| Nationwide | Michael P Lavelle Agency Inc | 2203 Hillside Avenue, New Hyde Park, NY, 11040-2714 | 39.2 | |
| Travelers | Karras Agency | 18 Roosevelt Ave , Port Jefferson Station, NY, 11776 | 5.8 | |
| Travelers | Bracco Agency Inc | 514 Larkfield Rd Ste 4b E Northport, East Northport, NY, 11731 | 19.8 | |
| Allstate | Mark Klimm | 8415 Jamaica Ave, Woodhaven, NY, 11421 | 49.8 | |
| Allstate | Daniel B Shindler | 824 E 233rd St, Bronx, NY, 10466 | 47.6 | |
| Allstate | Rudolph Georgetti | 246 Moriches Mid Isl Rd, Manorville, NY, 11949 | 5.5 | |
| State Farm | Edward Min | 20507 Hillside Ave Ste 11, Hollis, NY, 11423-2220 | 44.2 |
| 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 | $1,100 | $2,160 | $1,060 |
| Middle Island, NY | $272,400 | $890 | $630 | $1,230 | $600 |
| Bayport, NY | $429,500 | $1,101 | $800 | $1,580 | $780 |
| Aquebogue, NY | $425,900 | $1,996 | $1,380 | $2,830 | $1,450 |
| Baywood, NY | $281,600 | $1,106 | $800 | $1,530 | $730 |
| West Haven, CT | $193,300 | $989 | $710 | $1,400 | $690 |
| East Norwich, NY | $640,000 | $2,843 | $1,930 | $4,010 | $2,080 |
| Garden City South, NY | $510,900 | $2,352 | $1,690 | $3,220 | $1,530 |
| Bellerose Terrace, NY | $398,200 | $1,803 | $1,320 | $2,540 | $1,220 |
| Hartsdale, NY | $246,700 | $792 | $570 | $1,090 | $520 |
| Lyme, CT | $513,900 | $2,040 | $1,410 | $2,880 | $1,470 |
| Wolcott, CT | $251,900 | $856 | $610 | $1,170 | $560 |