Gavop's guide to buying homeowners insurance in Lake Carmel, 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 | $65,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $222,000 | $210,000 | $175,000-$200,000 |
| 3 Bedroom | $256,000 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $332,500 | $280,000 | $250,000-$300,000 |
| 5 Bedroom | $375,500 | $340,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$79 | $800 |
| Home and Two Car | -$150 | $730 |
| Home and Three Car | -$211 | $668 |
| 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 |
| Putnam County | $1,500 | $1,368 | $2,868 | $994 | $2,494 | $374 |
| Lake Carmel, NY | $2,500 | $869 | $3,369 | $631 | $3,131 | $237 |
| Brinckerhoff, NY | $200 | $1,065 | $1,265 | $774 | $974 | $291 |
| Wilton, CT | $2,500 | $911 | $3,411 | $662 | $3,162 | $249 |
| New City, NY | $500 | $1,559 | $2,059 | $1,133 | $1,633 | $426 |
| Staatsburg, NY | $2,500 | $1,009 | $3,509 | $733 | $3,233 | $276 |
| Beacon Falls, CT | $500 | $813 | $1,313 | $591 | $1,091 | $222 |
| Milford, CT | $1,500 | $1,192 | $2,692 | $867 | $2,367 | $326 |
| Closter, NJ | $400 | $1,077 | $1,477 | $783 | $1,183 | $294 |
| Glen Head, NY | $1,500 | $2,734 | $4,234 | $1,987 | $3,487 | $747 |
| Hawthorne, NJ | $500 | $858 | $1,358 | $623 | $1,123 | $234 |
| Old Brookville, NY | $1,000 | $1,036 | $2,036 | $753 | $1,753 | $283 |
| Home Insurance Company Lake Carmel, NY | Homeowners Insurance Agency Lake Carmel, NY | Address | Popularity Score | Distance from Lake Carmel (miles) |
|---|---|---|---|---|
| State Farm | Scott Marxer | 382 Violet Ave, Poughkeepsie, NY, 12601-1034 | 22.9 | |
| Allstate | Matthew Morse | 975 W Jericho Tpke Ste 2, Smithtown, NY, 11787 | 47.6 | |
| Travelers | John J Arbolino | 295 N Plank Rd, Newburgh, NY, 12550 | 21.1 | |
| State Farm | Suzanne Aral-Boutros | 21 Cedar Swamp Rd Ste B, Glen Cove, NY, 11542-3755 | 41.8 | |
| State Farm | Diane Williams | 790 Ulster Ave, Kingston, NY, 12401-1710 | 37.8 | |
| Allstate | Ryan Cosgrove | 402 Mamaroneck Ave, White Plains, NY, 10605 | 30.6 | |
| Allstate | Joseph Giardina | 14 Mill Rd, Eastchester, NY, 10709 | 35.7 | |
| Allstate | Timothy Sathonne Chhim | 224 Main St, Nanuet, NY, 10954 | 31.4 | |
| Allstate | John Rodopoulos | 2 Todd Pl, Ossining, NY, 10562 | 22.7 | |
| Travelers | Hickey & Hickey Inc | Bedford Village Plaza 460 Old Post Road, Bedford, NY, 10506 | 17.5 |
| 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 | $790 | $1,620 | $830 |
| Putnam County, NY | $357,700 | $1,384 | $980 | $1,950 | $970 |
| Lake Carmel, NY | $269,500 | $879 | $630 | $1,250 | $620 |
| Brinckerhoff, NY | $276,000 | $1,078 | $770 | $1,530 | $760 |
| Wilton, CT | $815,500 | $922 | $630 | $1,310 | $680 |
| New City, NY | $472,800 | $1,577 | $1,150 | $2,190 | $1,040 |
| Staatsburg, NY | $264,100 | $1,021 | $750 | $1,420 | $670 |
| Beacon Falls, CT | $235,100 | $823 | $570 | $1,140 | $570 |
| Milford, CT | $303,200 | $1,207 | $810 | $1,670 | $860 |
| Closter, NJ | $625,700 | $1,090 | $740 | $1,500 | $760 |
| Glen Head, NY | $619,100 | $2,767 | $1,990 | $3,960 | $1,970 |
| Hawthorne, NJ | $377,700 | $868 | $600 | $1,210 | $610 |
| Old Brookville, NY | $1,972,700 | $1,049 | $740 | $1,500 | $760 |