Gavop's guide to buying homeowners insurance in Lake Grove, 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 | $126,000 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $173,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $419,500 | $400,000 | $350,000-$400,000 |
| 4 Bedroom | $498,500 | $400,000 | $400,000-$500,000 |
| 5 Bedroom | $884,000 | $750,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $832 |
| Superior Protection Discount | -$89 | $901 |
| Fire & Security Discount | -$79 | $911 |
| Hail Resistant Roof Discount | -$30 | $961 |
| Newly Constructed Home Discount | -$258 | $733 |
| 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 |
| Lake Grove, NY | $2,500 | $979 | $3,479 | $711 | $3,211 | $267 |
| East Moriches, NY | $400 | $1,881 | $2,281 | $1,367 | $1,767 | $514 |
| Plainview, NY | $2,000 | $838 | $2,838 | $609 | $2,609 | $229 |
| Suffolk County, NY | $100 | $1,491 | $1,591 | $1,084 | $1,184 | $408 |
| Matinecock, NY | $2,500 | $1,036 | $3,536 | $753 | $3,253 | $283 |
| Roslyn Harbor, NY | $400 | $1,040 | $1,440 | $756 | $1,156 | $284 |
| Thomaston, NY | $1,000 | $825 | $1,825 | $599 | $1,599 | $225 |
| Eastchester, NY | $400 | $1,096 | $1,496 | $797 | $1,197 | $300 |
| Hastings-on-Hudson, NY | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| North Haven, NY | $300 | $713 | $1,013 | $519 | $819 | $195 |
| Southold, NY | $1,500 | $833 | $2,333 | $605 | $2,105 | $228 |
| Home Insurance Company Lake Grove, NY | Homeowners Insurance Agency Lake Grove, NY | Address | Popularity Score | Distance from Lake Grove (miles) |
|---|---|---|---|---|
| Farmers | Jugdeep Singh | 374 S Oyster Bay Rd, Hicksville, NY, 11801 | 20.9 | |
| Nationwide | Blerim Cami Agency | 2064 Bath Ave, Brooklyn, NY, 11214 | 49.7 | |
| Farmers | Pamela Sollog | 129 Glenwood Rd, Glenwood Landing, NY, 11547 | 27.9 | |
| Travelers | Karras Agency | 18 Roosevelt Ave, Port Jefferson Station, NY, 11776 | 5.8 | |
| Allstate | Ryan Dittmar | 1 Flowerfield Ste 3, Saint James, NY, 11780 | 3.0 | |
| Allstate | Eric Honicker | 201 Moreland Rd Ste 5, Hauppauge, NY, 11788 | 8.6 | |
| State Farm | Joe Benincasa | 54 Willow Park Ctr, Farmingdale, NY, 11735-1001 | 17.6 | |
| State Farm | Renee Berges | 490 New York Ave, Huntington, NY, 11743-4214 | 16.1 | |
| State Farm | Karen Sauter | 14469 Northern Blvd, Flushing, NY, 11354-4230 | 37.6 | |
| Allstate | Rocco Caprioli | 154 Terry Rd Ste 2, Smithtown, NY, 11787 | 2.9 |
| 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 | $850 | $1,590 | $740 |
| Suffolk County, NY | $379,400 | $1,509 | $1,030 | $2,130 | $1,100 |
| Lake Grove, NY | $388,400 | $991 | $670 | $1,420 | $750 |
| East Moriches, NY | $412,900 | $1,904 | $1,310 | $2,720 | $1,410 |
| Plainview, NY | $536,600 | $848 | $580 | $1,210 | $630 |
| Suffolk County, NY | $379,400 | $1,509 | $1,040 | $2,080 | $1,040 |
| Matinecock, NY | $2,000,001 | $1,048 | $740 | $1,480 | $740 |
| Roslyn Harbor, NY | $1,137,300 | $1,053 | $720 | $1,480 | $760 |
| Thomaston, NY | $809,700 | $835 | $580 | $1,190 | $610 |
| Eastchester, NY | $606,400 | $1,110 | $750 | $1,540 | $790 |
| Hastings-on-Hudson, NY | $612,900 | $852 | $610 | $1,180 | $570 |
| North Haven, NY | $1,108,100 | $722 | $510 | $990 | $480 |
| Southold, NY | $544,400 | $843 | $600 | $1,160 | $560 |