How Can I Make My Commack, NY Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Commack, 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 Commack, NY Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $144,000 | $130,000 | $150,000-$175,000 |
| 2 Bedroom | $269,500 | $220,000 | $250,000-$300,000 |
| 3 Bedroom | $489,500 | $420,000 | $500,000-$600,000 |
| 4 Bedroom | $576,500 | $540,000 | $600,000-$700,000 |
| 5 Bedroom | $778,000 | $630,000 | $800,000-$900,000 |
Estimate your Savings with Home Insurance Discounts in Commack, NY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$267 | $1,303 |
| Superior Protection Discount | -$157 | $1,412 |
| Fire & Security Discount | -$157 | $1,412 |
| Hail Resistant Roof Discount | -$47 | $1,522 |
| Newly Constructed Home Discount | -$314 | $1,256 |
Choose the Right Deductible for your Commack, 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 | $700 | $1,491 | $2,191 | $1,084 | $1,784 | $408 |
| Commack, NY | $1,000 | $1,551 | $2,551 | $1,127 | $2,127 | $424 |
| Oyster Bay, NY | $300 | $850 | $1,150 | $618 | $918 | $232 |
| North Patchogue, NY | $1,500 | $1,086 | $2,586 | $789 | $2,289 | $297 |
| Massapequa, NY | $300 | $842 | $1,142 | $612 | $912 | $230 |
| New Cassel, NY | $1,500 | $980 | $2,480 | $712 | $2,212 | $268 |
| East Patchogue, NY | $100 | $1,270 | $1,370 | $923 | $1,023 | $347 |
| Garden City South, NY | $2,000 | $2,324 | $4,324 | $1,689 | $3,689 | $635 |
| Riverhead, NY | $200 | $1,325 | $1,525 | $963 | $1,163 | $362 |
| Shelton, CT | $1,000 | $1,287 | $2,287 | $935 | $1,935 | $352 |
| Mattituck, NY | $100 | $2,515 | $2,615 | $1,828 | $1,928 | $687 |
| Montrose, NY | $1,000 | $1,531 | $2,531 | $1,113 | $2,113 | $419 |
Identify Top Home Insurance Agents near Commack, NY | Back to Top
| Home Insurance Company Commack, NY | Homeowners Insurance Agency Commack, NY | Address | Popularity Score | Distance from Commack (miles) |
|---|---|---|---|---|
| State Farm | Joe Aguirre | 61 W Main St, Smithtown, NY, 11787-2603 | 4.6 | |
| Travelers | Ackerly Agency Inc | 174 W Main St, East Islip, NY, 11730 | 9.0 | |
| Travelers | Ackerly Agency Inc | 174 West Main Street , East Islip, NY, 11730 | 9.0 | |
| State Farm | Diana Casey | 1093 North Broadway, Massapequa, NY, 11758-1702 | 13.0 | |
| Travelers | Summit Coverages Ltd | 365 Bridge St Ste 9 Pro, Brooklyn, NY, 11201 | 38.3 | |
| Travelers | Morea Agency | 2964 Middletown Rd, Bronx, NY, 10461 | 28.7 | |
| Travelers | Pro Insurance Agency Inc | 11 Oval Dr Suite 200 B, Islandia, NY, 11749 | 5.7 | |
| Travelers | Central Island Insurance Agency | 287 Smithtown Blvd Ste A, Nesconset, NY, 11767 | 7.5 | |
| Farmers | Matthew Andrews | 201 Willis Ave, Mineola, NY, 11501 | 19.9 | |
| Travelers | Jn Grace Group Inc | 8 Main Street, Kings Park, NY, 11754 | 3.2 |
Compare Rates for Commack, 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 | $850 | $1,610 | $760 |
| Suffolk County, NY | $379,400 | $1,509 | $1,100 | $2,140 | $1,040 |
| Commack, NY | $471,300 | $1,569 | $1,050 | $2,180 | $1,130 |
| Oyster Bay, NY | $485,900 | $861 | $580 | $1,190 | $610 |
| North Patchogue, NY | $280,300 | $1,099 | $740 | $1,570 | $830 |
| Massapequa, NY | $497,300 | $852 | $620 | $1,180 | $560 |
| New Cassel, NY | $334,300 | $992 | $720 | $1,370 | $650 |
| East Patchogue, NY | $315,300 | $1,285 | $910 | $1,770 | $860 |
| Garden City South, NY | $510,900 | $2,352 | $1,620 | $3,320 | $1,700 |
| Riverhead, NY | $350,000 | $1,341 | $930 | $1,860 | $930 |
| Shelton, CT | $341,500 | $1,302 | $950 | $1,850 | $900 |
| Mattituck, NY | $560,600 | $2,546 | $1,730 | $3,540 | $1,810 |
| Montrose, NY | $359,700 | $1,550 | $1,050 | $2,190 | $1,140 |
Research Home Insurance Companies Reviews in Commack, NY Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: July 29, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I am not sure how my insurance company's policty stands up to others as I have always been happy with them.
USAA Home Insurance Reviews
Date: August 22, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium for our policy is rather high compared to other companies, however this company stands behind its customers and takes good care of them, other's do not.
Erie Insurance Home Insurance Reviews
Date: October 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium and deductible for this insurance seems to be on par with other policies that I priced out. Overall, I am satisfied with the cost, but always with that it could be lower.