Gavop shows you how to buy homeowners insurance in Suffolk County, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $127,000 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $298,000 | $280,000 | $350,000-$400,000 |
| 3 Bedroom | $441,500 | $380,000 | $400,000-$500,000 |
| 4 Bedroom | $544,500 | $500,000 | $600,000-$700,000 |
| 5 Bedroom | $918,000 | $750,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$211 | $1,298 |
| Superior Protection Discount | -$151 | $1,358 |
| Fire & Security Discount | -$136 | $1,373 |
| Hail Resistant Roof Discount | -$45 | $1,464 |
| Newly Constructed Home Discount | -$332 | $1,177 |
| 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 | $2,500 | $1,491 | $3,991 | $1,084 | $3,584 | $408 |
| Suffolk County, NY | $2,000 | $1,491 | $3,491 | $1,084 | $3,084 | $408 |
| East Moriches, NY | $200 | $1,881 | $2,081 | $1,367 | $1,567 | $514 |
| Center Moriches, NY | $700 | $967 | $1,667 | $703 | $1,403 | $264 |
| Shelter Island, NY | $100 | $806 | $906 | $586 | $686 | $220 |
| Saltaire, NY | $2,000 | $1,035 | $3,035 | $752 | $2,752 | $283 |
| North Amityville, NY | $200 | $905 | $1,105 | $658 | $858 | $247 |
| Oxford, CT | $700 | $1,043 | $1,743 | $758 | $1,458 | $285 |
| East Massapequa, NY | $200 | $1,069 | $1,269 | $777 | $977 | $292 |
| Portland, CT | $1,000 | $832 | $1,832 | $604 | $1,604 | $227 |
| Heritage Village, CT | $300 | $869 | $1,169 | $632 | $932 | $238 |
| Ridgefield, CT | $2,500 | $903 | $3,403 | $656 | $3,156 | $247 |
| Home Insurance Company Suffolk County, NY | Homeowners Insurance Agency Suffolk County, NY | Address | Popularity Score | Distance from Suffolk County (miles) |
|---|---|---|---|---|
| State Farm | Michael Mccormick | 125 Route 25a Ste 400, Rocky Point, NY, 11778-8809 | 13.8 | |
| State Farm | Ted Kosmidis | 31 Vanderbilt Motor Pkwy, Commack, NY, 11725-5409 | 32.6 | |
| State Farm | Jim Stevens | 745 Route 25a Unit 4, Miller Place, NY, 11764-2650 | 14.7 | |
| Allstate | Chris Manfredi | 44655 County Rd 48, Southold, NY, 11971 | 16.1 | |
| Allstate | Kevin Meyer | 295 Montauk Hwy, Speonk, NY, 11972 | 8.6 | |
| Travelers | Ackerly Agency Inc | 174 W Main St, East Islip, NY, 11730 | 30.4 | |
| Travelers | Maximus Insurance Agency Inc | 684 Broadway, Massapequa, NY, 11758 | 44.2 | |
| Travelers | Karras Agency | 18 Roosevelt Ave , Port Jefferson Station, NY, 11776 | 18.5 | |
| Travelers | Karras Agency | 18 Roosevelt Ave, Port Jefferson Station, NY, 11776 | 18.5 | |
| Travelers | Badge Agency Inc | 500 N Broadway Ste 231, Jericho, NY, 11753 | 45.4 |
| 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 | $830 | $1,650 | $820 |
| Suffolk County, NY | $379,400 | $1,509 | $1,010 | $2,160 | $1,150 |
| Suffolk County, NY | $379,400 | $1,509 | $1,070 | $2,140 | $1,070 |
| East Moriches, NY | $412,900 | $1,904 | $1,310 | $2,630 | $1,320 |
| Center Moriches, NY | $385,300 | $979 | $660 | $1,340 | $680 |
| Shelter Island, NY | $785,600 | $816 | $560 | $1,130 | $570 |
| Saltaire, NY | $1,875,000 | $1,048 | $750 | $1,480 | $730 |
| North Amityville, NY | $278,700 | $916 | $630 | $1,290 | $660 |
| Oxford, CT | $354,500 | $1,056 | $770 | $1,500 | $730 |
| East Massapequa, NY | $424,400 | $1,082 | $750 | $1,480 | $730 |
| Portland, CT | $244,800 | $842 | $600 | $1,190 | $590 |
| Heritage Village, CT | $151,800 | $880 | $600 | $1,220 | $620 |
| Ridgefield, CT | $671,700 | $914 | $610 | $1,290 | $680 |