Gavop shows you how to buy homeowners insurance in Islip Terrace, 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 | $113,500 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $230,500 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $282,000 | $250,000 | $250,000-$300,000 |
| 4 Bedroom | $537,500 | $490,000 | $600,000-$700,000 |
| 5 Bedroom | $441,500 | $380,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$181 | $884 |
| Superior Protection Discount | -$96 | $969 |
| Fire & Security Discount | -$75 | $990 |
| Hail Resistant Roof Discount | -$32 | $1,033 |
| Newly Constructed Home Discount | -$277 | $788 |
| 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 |
| Islip Terrace, NY | $700 | $1,052 | $1,752 | $765 | $1,465 | $288 |
| Central Islip, NY | $400 | $929 | $1,329 | $675 | $1,075 | $254 |
| North Babylon, NY | $1,500 | $1,415 | $2,915 | $1,028 | $2,528 | $387 |
| Terryville, NY | $200 | $992 | $1,192 | $721 | $921 | $271 |
| Northport, NY | $2,000 | $833 | $2,833 | $605 | $2,605 | $228 |
| Asharoken, NY | $400 | $732 | $1,132 | $532 | $932 | $200 |
| Hewlett Bay Park, NY | $1,000 | $1,025 | $2,025 | $745 | $1,745 | $280 |
| Riverside, CT | $200 | $910 | $1,110 | $661 | $861 | $249 |
| Great Neck Plaza, NY | $700 | $999 | $1,699 | $726 | $1,426 | $273 |
| East Haven, CT | $500 | $891 | $1,391 | $647 | $1,147 | $243 |
| Clarkstown, NY | $1,000 | $1,422 | $2,422 | $1,034 | $2,034 | $389 |
| Home Insurance Company Islip Terrace, NY | Homeowners Insurance Agency Islip Terrace, NY | Address | Popularity Score | Distance from Islip Terrace (miles) |
|---|---|---|---|---|
| Allstate | Peter Damato | 129 Commack Rd, Commack, NY, 11725 | 8.3 | |
| Travelers | Regan Agency Inc | 463 Deer Park Ave, Babylon, NY, 11702 | 7.7 | |
| Allstate | Jennifer Izzo | 193 Sunrise Hwy, West Islip, NY, 11795 | 6.6 | |
| Travelers | Proactive Brokerage Inc | 960a Sunrise Highway, West Babylon, NY, 11704 | 7.4 | |
| Travelers | Phillips Brokerage Inc | 3719 Broadway Fl 2, Astoria, NY, 11103 | 38.5 | |
| Travelers | Pro Insurance Agency Inc | 11 Oval Dr Suite 200 B, Islandia, NY, 11749 | 3.6 | |
| Allstate | Merle Bissoon | 652 Pennsylvania Ave, Brooklyn, NY, 11207 | 37.6 | |
| Allstate | Donald Molloy | 267 Smithtown Blvd Ste 1, Nesconset, NY, 11767 | 6.1 | |
| State Farm | Matthew Roth | 210 Main St, Nanuet, NY, 10954-3324 | 49.2 | |
| Nationwide | Val J Winter Agency Inc | 229 Railroad Ave Suite 1, Sayville, NY, 11782-2719 | 5.5 |
| 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 | $1,610 | $810 |
| Suffolk County, NY | $379,400 | $1,509 | $1,070 | $2,100 | $1,030 |
| Islip Terrace, NY | $351,300 | $1,065 | $710 | $1,520 | $810 |
| Central Islip, NY | $254,900 | $940 | $670 | $1,330 | $660 |
| North Babylon, NY | $340,500 | $1,432 | $960 | $1,990 | $1,030 |
| Terryville, NY | $352,000 | $1,004 | $730 | $1,380 | $650 |
| Northport, NY | $562,600 | $843 | $580 | $1,170 | $590 |
| Asharoken, NY | $1,155,000 | $741 | $530 | $1,040 | $510 |
| Hewlett Bay Park, NY | $1,740,400 | $1,037 | $710 | $1,440 | $730 |
| Riverside, CT | $1,262,400 | $921 | $630 | $1,270 | $640 |
| Great Neck Plaza, NY | $338,900 | $1,011 | $740 | $1,390 | $650 |
| East Haven, CT | $206,900 | $901 | $600 | $1,270 | $670 |
| Clarkstown, NY | $445,100 | $1,440 | $1,050 | $2,060 | $1,010 |