Gavop's guide to buying homeowners insurance in Springs, 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.
| Springs, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Maidstone Park Rd, Lilla Ln, Meehan Ter, Beachway, Saint Francis Pl, Sunburst Ln, Camberly Rd, Glenway, Corbin St, Three Mile Harbor Hc Rd | $768,000 | $630,000 | $800,000-$900,000 | $592,000 | $490,000 | $500,000-$600,000 |
| Glade Rd, Bell Rd, Farm House Ln, Underwood Dr, Three Mile Harbor Hog Creek Rd, Isle of Wight Rd, Flaggy Hole Rd, Hog Creek, Manor la N, Kings Ct | $377,500 | $330,000 | $300,000-$350,000 | $761,000 | $710,000 | $700,000-$800,000 |
| Parsons Pl, Will Curl Hwy, Sandlot Rd, Outlook Ave, Three Mile Harbor Hog Creek, Highland Blvd, Longwood Ln, Hildreth Pl, Fenmarsh Rd, Northway | $707,000 | $600,000 | $700,000-$800,000 | $778,000 | $710,000 | $800,000-$900,000 |
| Harbor View Dr, Shoridge, Lafayette St, President St, Winding Way, Karlsruhe Cross Hwy, Montauk Blvd, Quail Ln, Copeces Ln, Lantern Ln | $513,500 | $430,000 | $400,000-$500,000 | $756,000 | $630,000 | $600,000-$700,000 |
| Boat Yard Rd, Fanning Ave, Highwood, Harbor View Ln, Audibon St, Old Stone Hwy, Co Rd 41, Fort Pond Blvd, Parsons Close, Richardson Ave | $538,000 | $500,000 | $400,000-$500,000 | $511,500 | $480,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $730 |
| Superior Protection Discount | -$76 | $773 |
| Fire & Security Discount | -$85 | $764 |
| Hail Resistant Roof Discount | -$17 | $832 |
| Newly Constructed Home Discount | -$178 | $671 |
| 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 | $2,000 | $1,491 | $3,491 | $1,084 | $3,084 | $408 |
| Springs, NY | $2,500 | $839 | $3,339 | $610 | $3,110 | $229 |
| Sag Harbor, NY | $300 | $954 | $1,254 | $694 | $994 | $261 |
| Riverhead, NY | $1,500 | $1,325 | $2,825 | $963 | $2,463 | $362 |
| Pawcatuck, CT | $400 | $832 | $1,232 | $605 | $1,005 | $227 |
| Oxoboxo River, CT | $2,500 | $934 | $3,434 | $679 | $3,179 | $255 |
| Madison, CT | $500 | $950 | $1,450 | $690 | $1,190 | $260 |
| Middlesex County, CT | $1,000 | $1,184 | $2,184 | $861 | $1,861 | $324 |
| North Branford, CT | $400 | $902 | $1,302 | $655 | $1,055 | $246 |
| Baltic, CT | $1,000 | $947 | $1,947 | $689 | $1,689 | $259 |
| Franklin, CT | $500 | $1,151 | $1,651 | $836 | $1,336 | $315 |
| North Patchogue, NY | $1,500 | $1,086 | $2,586 | $789 | $2,289 | $297 |
| Home Insurance Company Springs, NY | Homeowners Insurance Agency Springs, NY | Address | Popularity Score | Distance from Springs (miles) |
|---|---|---|---|---|
| Travelers | The Clausen Agency Inc | 333 Rte 25a Ste 150, Rocky Point, NY, 11778 | 41.1 | |
| Nationwide | Eric A. Funk | 1919 Middle Country Rd Ste 300 A, Centereach, NY, 11720 | 49.1 | |
| Allstate | Michael Haines | 3420 Montauk Hwy, Wainscott, NY, 11975 | 6.8 | |
| Allstate | Robert Newell | 640 Horseblock Rd, Farmingville, NY, 11738 | 47.5 | |
| Allstate | Sean Gregory | 2 Coraci Blvd Ste 5, Shirley, NY, 11967 | 40.7 | |
| Travelers | Karras Agency | 18 Roosevelt Ave , Port Jefferson Station, NY, 11776 | 46.5 | |
| Allstate | Andrea Sheren | 171 Middle Country Rd, Middle Island, NY, 11953 | 43.2 | |
| Allstate | Sue Bohrer-Braun | 910 Middle Country Rd, Selden, NY, 11784 | 47.3 | |
| Allstate | Susan Brennan | 198 Montauk Hwy, Westhampton Beach, NY, 11978 | 28.6 | |
| Nationwide | O Brien Agency Inc | 402 Main Street, Port Jefferson, NY, 11777-3087 | 47.5 |
| 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 | $780 | $1,610 | $830 |
| Suffolk County, NY | $379,400 | $1,509 | $1,030 | $2,070 | $1,040 |
| Springs, NY | $674,000 | $849 | $580 | $1,170 | $590 |
| Sag Harbor, NY | $993,500 | $966 | $650 | $1,330 | $680 |
| Riverhead, NY | $350,000 | $1,341 | $910 | $1,850 | $940 |
| Pawcatuck, CT | $245,200 | $843 | $620 | $1,160 | $540 |
| Oxoboxo River, CT | $168,800 | $945 | $670 | $1,350 | $680 |
| Madison, CT | $432,900 | $961 | $690 | $1,370 | $680 |
| Middlesex County, CT | $283,700 | $1,199 | $800 | $1,710 | $910 |
| North Branford, CT | $281,800 | $913 | $660 | $1,300 | $640 |
| Baltic, CT | $172,600 | $959 | $680 | $1,370 | $690 |
| Franklin, CT | $238,000 | $1,165 | $780 | $1,610 | $830 |
| North Patchogue, NY | $280,300 | $1,099 | $780 | $1,520 | $740 |