Gavop's guide to buying homeowners insurance in Sound Beach, 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.
| Sound Beach, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Babylon Dr, Brightview Dr, Greenvale Rd, Water Rd, Tangier Dr, Cove Dr, Canoe Rd, Shinnecock Dr, Bracken Ln, Hempstead Dr | $366,500 | $310,000 | $300,000-$350,000 | $168,000 | $150,000 | $125,000-$150,000 |
| Calverton Rd, Floral Dr, Flushing Rd, Roslyn Rd, Flowerfield Rd, Whitestone Rd, Mineola Rd, Wheatley Dr, Williston Rd, Brookhaven Dr | $258,500 | $240,000 | $300,000-$350,000 | $252,500 | $210,000 | $200,000-$250,000 |
| Greenlawn Rd, Convent Dr, Estate Ct, Rocky Point Landing Rd, Patchogue Rd, Island Rd, Saint James Dr, Rosedale Rd, Baldwin Rd, Brookhaven Dr | $232,500 | $190,000 | $200,000-$250,000 | $266,000 | $240,000 | $200,000-$250,000 |
| Bellrose Rd, Bayport Rd, Shelter Dr, Southold Rd, Jerome Rd, Quogue Dr, Northport Rd, Lookout Dr, Corona Rd, Elmhurst Rd | $392,000 | $340,000 | $400,000-$500,000 | $295,000 | $240,000 | $250,000-$300,000 |
| Rockledge Ct, Oceanside Dr, Westchester Dr, Peconic Rd, Urbans Rd, Center Ct, Ledgewood Ct, Deer Dr, Islip Dr, Lower Rocky Point Rd | $341,500 | $290,000 | $350,000-$400,000 | $169,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $669 |
| Superior Protection Discount | -$74 | $752 |
| Fire & Security Discount | -$66 | $760 |
| Hail Resistant Roof Discount | -$25 | $801 |
| Newly Constructed Home Discount | -$231 | $595 |
| 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 |
| Sound Beach, NY | $1,000 | $816 | $1,816 | $593 | $1,593 | $223 |
| Holbrook, NY | $100 | $957 | $1,057 | $695 | $795 | $261 |
| Woodmont, CT | $2,500 | $1,426 | $3,926 | $1,036 | $3,536 | $390 |
| East Northport, NY | $300 | $1,111 | $1,411 | $807 | $1,107 | $304 |
| Eatons Neck, NY | $400 | $745 | $1,145 | $542 | $942 | $204 |
| Port Chester, NY | $700 | $1,082 | $1,782 | $786 | $1,486 | $296 |
| Deep River, CT | $500 | $1,250 | $1,750 | $908 | $1,408 | $342 |
| Mamaroneck, NY | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| East Rockaway, NY | $400 | $1,080 | $1,480 | $785 | $1,185 | $295 |
| Jefferson Valley-Yorktown, NY | $2,500 | $1,037 | $3,537 | $754 | $3,254 | $283 |
| Home Insurance Company Sound Beach, NY | Homeowners Insurance Agency Sound Beach, NY | Address | Popularity Score | Distance from Sound Beach (miles) |
|---|---|---|---|---|
| Allstate | Barry S Bryan | 9310 Woodhaven Blvd, Woodhaven, NY, 11421 | 49.6 | |
| Allstate | Matthew Morse | 975 W Jericho Tpke Ste 2, Smithtown, NY, 11787 | 16.3 | |
| Allstate | Bill Goble | 232 N Belle Mead Rd Ste 8, East Setauket, NY, 11733 | 7.4 | |
| Allstate | Keith Burlison | 3138 Route 112, Medford, NY, 11763 | 8.4 | |
| Travelers | Newbrook Insurance Agency | 14 Roosevelt Ave, Port Jefferson Station, NY, 11776 | 4.6 | |
| Travelers | Malpigli & Associates Insurance Agency | 3311 Sunrise Hwy, Islip Terrace, NY, 11752 | 17.9 | |
| Allstate | Stephen Foray | 95 E Main St, East Islip, NY, 11730 | 19.2 | |
| State Farm | Jennifer Storm | 1044 Suffolk Ave, Brentwood, NY, 11717-4504 | 18.1 | |
| Allstate | Alan Aronson | 405 Mill Rd, Hewlett, NY, 11557 | 44.1 | |
| Travelers | Central Island Insurance Agency | 287 Smithtown Blvd Ste A, Nesconset, NY, 11767 | 12.4 |
| 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 | $840 | $1,650 | $810 |
| Suffolk County, NY | $379,400 | $1,509 | $1,070 | $2,100 | $1,030 |
| Sound Beach, NY | $292,700 | $826 | $560 | $1,170 | $610 |
| Holbrook, NY | $359,100 | $968 | $700 | $1,340 | $640 |
| Woodmont, CT | $340,300 | $1,443 | $1,050 | $2,060 | $1,010 |
| East Northport, NY | $452,900 | $1,124 | $800 | $1,600 | $800 |
| Eatons Neck, NY | $710,400 | $754 | $540 | $1,030 | $490 |
| Port Chester, NY | $445,200 | $1,095 | $780 | $1,540 | $760 |
| Deep River, CT | $274,800 | $1,265 | $920 | $1,760 | $840 |
| Mamaroneck, NY | $878,000 | $852 | $590 | $1,180 | $590 |
| East Rockaway, NY | $444,700 | $1,093 | $750 | $1,500 | $750 |
| Jefferson Valley-Yorktown, NY | $416,000 | $1,050 | $720 | $1,480 | $760 |