How Can I Make My Southampton, NY Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Southampton, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Southampton, NY Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $189,500 | $160,000 | $150,000-$175,000 |
| 2 Bedroom | $453,500 | $380,000 | $400,000-$500,000 |
| 3 Bedroom | $559,500 | $520,000 | $400,000-$500,000 |
| 4 Bedroom | $821,000 | $720,000 | $900,000-$1,000,000 |
| 5 Bedroom | $732,000 | $600,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Southampton, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$210 | $895 |
| Superior Protection Discount | -$99 | $1,006 |
| Fire & Security Discount | -$111 | $995 |
| Hail Resistant Roof Discount | -$22 | $1,083 |
| Newly Constructed Home Discount | -$309 | $796 |
Choose the Right Deductible for your Southampton, NY Home | Back to Top
| 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 |
| Southampton, NY | $1,000 | $1,092 | $2,092 | $794 | $1,794 | $298 |
| Mastic, NY | $400 | $754 | $1,154 | $548 | $948 | $206 |
| Coram, NY | $700 | $1,147 | $1,847 | $833 | $1,533 | $313 |
| Holtsville, NY | $500 | $1,047 | $1,547 | $761 | $1,261 | $286 |
| Lyme, CT | $1,000 | $2,016 | $3,016 | $1,465 | $2,465 | $551 |
| Head of the Harbor, NY | $200 | $882 | $1,082 | $641 | $841 | $241 |
| Noank, CT | $1,000 | $1,756 | $2,756 | $1,276 | $2,276 | $480 |
| Brentwood, NY | $300 | $1,034 | $1,334 | $751 | $1,051 | $282 |
| Woodbridge, CT | $1,000 | $1,068 | $2,068 | $776 | $1,776 | $292 |
| Bridgeport, CT | $100 | $901 | $1,001 | $655 | $755 | $246 |
| Weekapaug, RI | $2,500 | $2,687 | $5,187 | $1,953 | $4,453 | $734 |
Identify Top Home Insurance Agents near Southampton, NY | Back to Top
| Home Insurance Company Southampton, NY | Homeowners Insurance Agency Southampton, NY | Address | Popularity Score | Distance from Southampton (miles) |
|---|---|---|---|---|
| Travelers | Royal Brokerage | 1 John St Ste 200, Babylon, NY, 11702 | 46.8 | |
| Allstate | Peter Damato | 129 Commack Rd, Commack, NY, 11725 | 43.8 | |
| Travelers | Lupton & Luce Inc | 225 Howell Ave, Riverhead, NY, 11901 | 10.6 | |
| Allstate | Silvia Romanita | 236 Sunrise Hwy, Lindenhurst, NY, 11757 | 49.4 | |
| Allstate | Eric Honicker | 201 Moreland Rd Ste 5, Hauppauge, NY, 11788 | 42.7 | |
| Travelers | John M Titolo Inc | 990 S 2nd St Ste 4, Ronkonkoma, NY, 11779 | 34.7 | |
| Allstate | Kenneth G. Pagano | 17 W Montauk Hwy, Hampton Bays, NY, 11946 | 3.4 | |
| Allstate | Rudolph Georgetti | 246 Moriches Mid Isl Rd, Manorville, NY, 11949 | 21.5 | |
| Travelers | Badge Agency Inc | 18 Ryerson Ave, Manorville, NY, 11949 | 18.3 | |
| Travelers | Cue Brokerage Corp | 180 E Main St, Patchogue, NY, 11772 | 30.0 |
Compare Rates for Southampton, NY Home Insurance Providers | Back to Top
| 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 | $780 | $1,660 | $880 |
| Suffolk County, NY | $379,400 | $1,509 | $1,090 | $2,160 | $1,070 |
| Southampton, NY | $626,400 | $1,105 | $740 | $1,530 | $790 |
| Mastic, NY | $238,500 | $764 | $520 | $1,060 | $540 |
| Coram, NY | $308,600 | $1,161 | $800 | $1,660 | $860 |
| Holtsville, NY | $350,100 | $1,059 | $720 | $1,490 | $770 |
| Lyme, CT | $513,900 | $2,040 | $1,410 | $2,840 | $1,430 |
| Head of the Harbor, NY | $887,600 | $893 | $640 | $1,220 | $580 |
| Noank, CT | $436,000 | $1,777 | $1,230 | $2,470 | $1,240 |
| Brentwood, NY | $285,500 | $1,046 | $750 | $1,450 | $700 |
| Woodbridge, CT | $478,600 | $1,081 | $770 | $1,540 | $770 |
| Bridgeport, CT | $170,300 | $912 | $650 | $1,300 | $650 |
| Weekapaug, RI | $737,500 | $2,720 | $1,850 | $3,890 | $2,040 |
Research Home Insurance Companies Reviews in Southampton, NY Before Buying | Back to Top
Share a review on your home insurance company
Travelers Home Insurance Reviews
Date: May 27, 2019 Age: 50 to 59 Gender: Unmarried Marital Status: Female
Premium
I am unsure what the other companies rates are and their plans because we have never researched them. Also, we rarely get calls about switching to a different company for coverage.
Allstate Home Insurance Reviews
Date: October 20, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
allstate is good thats the only one we ever used so i cant really give you the run down on how it compares to others i just know it fits us best and gets the job done
Erie Insurance Home Insurance Reviews
Date: July 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I'm not 100% positive on the price of other home insurance companies, I've been told by other people about how good their prices are.
USAA Home Insurance Reviews
Date: September 23, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
USAA not only has some of the lowest rates in the country, but their customer service and quality as a company are second to none. I never feel like my insurance company is trying to screw me over.