How Can I Make My Long Beach, NY Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Long Beach, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Long Beach, NY Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $106,000 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $220,500 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $430,500 | $350,000 | $400,000-$500,000 |
| 4 Bedroom | $335,000 | $270,000 | $350,000-$400,000 |
| 5 Bedroom | $484,500 | $400,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Long Beach, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$290 | $1,238 |
| Superior Protection Discount | -$138 | $1,391 |
| Fire & Security Discount | -$122 | $1,407 |
| Hail Resistant Roof Discount | -$31 | $1,498 |
| Newly Constructed Home Discount | -$428 | $1,101 |
Choose your Long Beach, NY Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,513 |
| Hail Damage | $4,806 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,218 |
Identify Top Home Insurance Agents near Long Beach, NY | Back to Top
| Home Insurance Company Long Beach, NY | Homeowners Insurance Agency Long Beach, NY | Address | Popularity Score | Distance from Long Beach (miles) |
|---|---|---|---|---|
| Allstate | Chris Herbst | 921 Montauk Hwy, Oakdale, NY, 11769 | 30.5 | |
| State Farm | Dalila D. Namy | 150 S Regent St, Port Chester, NY, 10573-3569 | 28.6 | |
| Nationwide | Marino Coverage Group Inc | 752 Hempstead Tpke, Franklin Square, NY, 11010-4328 | 8.4 | |
| Travelers | Total Management Corp | 14 Front St, Hempstead, NY, 11550 | 8.3 | |
| Travelers | The Flood Group Llc | 99 Tulip Ave Ste 201, Floral Park, NY, 11001 | 9.9 | |
| Travelers | The Excelsior Group Inc | 71 S Central Ave Ste 305, Valley Stream, NY, 11580 | 5.9 | |
| Travelers | Shore Line Insurance Agency Inc | 8 Broadway, Rocky Point, NY, 11778 | 46.2 | |
| Travelers | Carlstan North Hills Agency Inc | 261-20 Hillside Ave, Floral Park, NY, 11004 | 10.7 | |
| Allstate | David Kievman | 1465 Broadway, Hewlett, NY, 11557 | 4.3 | |
| Allstate | Danny Jean Baptiste | 1198 Hempstead Tpke, Uniondale, NY, 11553 | 10.0 |
Compare Rates for Long Beach, 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 | $840 | $1,620 | $780 |
| Nassau County, NY | $460,700 | $1,517 | $1,080 | $2,080 | $1,000 |
| Long Beach, NY | $463,200 | $1,529 | $1,040 | $2,190 | $1,150 |
| Laurel Hollow, NY | $1,553,600 | $1,005 | $730 | $1,430 | $700 |
| New Milford, NJ | $397,000 | $911 | $650 | $1,290 | $640 |
| Garfield, NJ | $329,100 | $1,021 | $680 | $1,460 | $780 |
| Greenburgh, NY | $552,200 | $1,126 | $800 | $1,610 | $810 |
| Spring Lake, NJ | $1,420,900 | $803 | $580 | $1,120 | $540 |
| Essex Fells, NJ | $834,400 | $2,439 | $1,660 | $3,370 | $1,710 |
| Medford, NY | $298,900 | $850 | $580 | $1,200 | $620 |
| Lincoln Park, NJ | $334,600 | $789 | $560 | $1,100 | $540 |
| Clarkstown, NY | $445,100 | $1,440 | $990 | $1,990 | $1,000 |
| Dover Beaches South, NJ | $508,700 | $1,721 | $1,190 | $2,370 | $1,180 |
Research Home Insurance Companies Reviews in Long Beach, NY Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: September 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The deductible and fees of our home insurance company are surprisingly affordable and we are confident we can afford this if we have an issue.
Date: August 22, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
They are very good with a sense of urgency when I contact them. There is no office and everything is done online. Very fast service and they seem to really care about my needs.
Date: June 17, 2019 Age: 40 to 49 Gender: Married Marital Status: Female
Customer Service
I would rate USAA a 5 based on the service provided several years ago when a faulty washing machine flooded our home. The company was quick to send repair people who did quality work.
Allstate Home Insurance Reviews
Date: July 13, 2019 Age: Above 60 Gender: Male Marital Status: Unmarried
Customer Service
My experience has been very positive. They were excellent about helping me set up a new homeowner's policy for a reasonable price after my previous company doubled the premium for no reason.