Gavop shows you how to buy homeowners insurance in Pearl River, 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 | $146,500 | $120,000 | $125,000-$150,000 |
| 2 Bedroom | $249,500 | $220,000 | $250,000-$300,000 |
| 3 Bedroom | $355,000 | $290,000 | $300,000-$350,000 |
| 4 Bedroom | $545,000 | $460,000 | $500,000-$600,000 |
| 5 Bedroom | $1,117,500 | $1,040,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$169 | $958 |
| Superior Protection Discount | -$113 | $1,014 |
| Fire & Security Discount | -$90 | $1,037 |
| Hail Resistant Roof Discount | -$23 | $1,105 |
| Newly Constructed Home Discount | -$248 | $879 |
| 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 |
| Rockland County | $1,500 | $1,327 | $2,827 | $964 | $2,464 | $363 |
| Pearl River, NY | $1,500 | $1,114 | $2,614 | $809 | $2,309 | $304 |
| Tappan, NY | $400 | $836 | $1,236 | $608 | $1,008 | $229 |
| Closter, NJ | $1,500 | $1,077 | $2,577 | $783 | $2,283 | $294 |
| Cresskill, NJ | $300 | $1,039 | $1,339 | $755 | $1,055 | $284 |
| Englewood Cliffs, NJ | $2,500 | $914 | $3,414 | $664 | $3,164 | $250 |
| Hasbrouck Heights, NJ | $500 | $1,299 | $1,799 | $944 | $1,444 | $355 |
| Nutley, NJ | $1,000 | $846 | $1,846 | $615 | $1,615 | $231 |
| Fairfield, NJ | $100 | $994 | $1,094 | $723 | $823 | $272 |
| Morris County, NJ | $2,000 | $1,279 | $3,279 | $929 | $2,929 | $349 |
| Fairfield County, CT | $200 | $1,362 | $1,562 | $990 | $1,190 | $372 |
| Pawling, NY | $1,000 | $834 | $1,834 | $606 | $1,606 | $228 |
| Home Insurance Company Pearl River, NY | Homeowners Insurance Agency Pearl River, NY | Address | Popularity Score | Distance from Pearl River (miles) |
|---|---|---|---|---|
| Travelers | Royal Brokerage | 1 John St Ste 200, Babylon, NY, 11702 | 43.8 | |
| Allstate | Anthony Pomponio | 125 W 72nd St Rm 5r, New York, NY, 10023 | 19.6 | |
| State Farm | Julie De Rossi | 39 Broadway Lbby, New York, NY, 10006-3003 | 24.5 | |
| Allstate | Elizabeth Nunez-Troy | 1001 Columbus Ave, New York, NY, 10025 | 18.1 | |
| Travelers | All Risk Brokerage Co Inc | 530 E 89th St Ste 3b, New York, NY, 10128 | 19.9 | |
| Nationwide | O Brien Agency Inc | 402 Main Street, Port Jefferson, NY, 11777-3087 | 49.8 | |
| Allstate | Alan Aronson | 405 Mill Rd, Hewlett, NY, 11557 | 33.0 | |
| State Farm | Michael Tharian | 1855 Victory Blvd, Staten Island, NY, 10314-3517 | 31.6 | |
| State Farm | Bob Weber | 626 North Ave, New Rochelle, NY, 10801-2614 | 15.0 | |
| State Farm | John Ciorra | 5923 Riverdale Ave, Bronx, NY, 10471-1602 | 12.0 |
| 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 |
| Rockland County, NY | $425,100 | $1,343 | $930 | $1,890 | $960 |
| Pearl River, NY | $453,700 | $1,127 | $800 | $1,560 | $760 |
| Tappan, NY | $478,600 | $847 | $580 | $1,200 | $620 |
| Closter, NJ | $625,700 | $1,090 | $740 | $1,490 | $750 |
| Cresskill, NJ | $595,200 | $1,052 | $760 | $1,460 | $700 |
| Englewood Cliffs, NJ | $995,300 | $925 | $620 | $1,270 | $650 |
| Hasbrouck Heights, NJ | $406,800 | $1,315 | $950 | $1,880 | $930 |
| Nutley, NJ | $372,100 | $857 | $610 | $1,170 | $560 |
| Fairfield, NJ | $472,900 | $1,007 | $710 | $1,440 | $730 |
| Morris County, NJ | $438,100 | $1,294 | $920 | $1,850 | $930 |
| Fairfield County, CT | $417,800 | $1,379 | $940 | $1,920 | $980 |
| Pawling, NY | $297,300 | $844 | $610 | $1,210 | $600 |