How Can I Make My Brookhaven, NY Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Brookhaven, 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.

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No	Topics
1	Research How your Brookhaven, NY Home Impacts your Rates
2	Match your Background to Brookhaven, NY Home Insurance Offers
3	Optimize your Brookhaven, NY Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near Brookhaven, NY
5	Compare Rates from Home Insurance Companies in Brookhaven, NY
6	Research Home Insurance Companies Reviews in Brookhaven, NY

Select the Suitable Coverage Value for your Brookhaven, NY Home | Back to Top

Bedrooms	Average Home Value	Estimated Replacement Value	Recommended Home Insurance Coverage
1 Bedroom	$102,000	$90,000	$75,000-$100,000
2 Bedroom	$176,000	$150,000	$175,000-$200,000
3 Bedroom	$397,000	$340,000	$400,000-$500,000
4 Bedroom	$487,500	$450,000	$500,000-$600,000
5 Bedroom	$472,500	$410,000	$500,000-$600,000

Estimate your Savings with Home Insurance Discounts in Brookhaven, NY | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$177	$806
Superior Protection Discount	-$88	$894
Fire & Security Discount	-$88	$894
Hail Resistant Roof Discount	-$20	$963
Newly Constructed Home Discount	-$265	$717

Choose the Right Deductible for your Brookhaven, 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	$2,000	$1,491	$3,491	$1,084	$3,084	$408
Brookhaven, NY	$700	$971	$1,671	$705	$1,405	$265
Lake Grove, NY	$400	$979	$1,379	$711	$1,111	$267
East Northport, NY	$2,000	$1,111	$3,111	$807	$2,807	$304
Southampton, NY	$200	$1,092	$1,292	$794	$994	$298
East Norwich, NY	$2,500	$2,809	$5,309	$2,041	$4,541	$768
North Merrick, NY	$100	$2,269	$2,369	$1,649	$1,749	$620
Roslyn Harbor, NY	$1,000	$1,040	$2,040	$756	$1,756	$284
East Marion, NY	$300	$2,732	$3,032	$1,985	$2,285	$747
Greenwich, CT	$1,500	$1,175	$2,675	$854	$2,354	$321
Floral Park, NY	$300	$844	$1,144	$613	$913	$231
North Valley Stream, NY	$2,000	$1,570	$3,570	$1,141	$3,141	$429

Identify Top Home Insurance Agents near Brookhaven, NY | Back to Top

Home Insurance Company Brookhaven, NY	Homeowners Insurance Agency Brookhaven, NY	Address	Distance from Brookhaven (miles)
State Farm	Pat Cawley	6719 Myrtle Ave, Glendale, NY, 11385-7056	49.8
Liberty Mutual Independent	Three Village Bennett Agency	21 Bennette Rd Ste 103 , East Setauket, NY, 11733	9.4
Allstate	Robert Newell	640 Horseblock Rd, Farmingville, NY, 11738	4.4
Allstate	Ben Rodriguez	694 Motor Pkwy # S200, Hauppauge, NY, 11788	14.9
Travelers	Wekerle Agency Inc	98 Medford Ave, Patchogue, NY, 11772	6.6
Allstate	Sean Gregory	2 Coraci Blvd Ste 5, Shirley, NY, 11967	7.5
Travelers	Malpigli & Associates Insurance Agency	3311 Sunrise Hwy, Islip Terrace, NY, 11752	13.4
Travelers	Dayton Ritz & Osborne	78 Main St, East Hampton, NY, 11937	41.1
State Farm	Paul Savino	279 Smithtown Blvd Ste 6, Nesconset, NY, 11767-2081	9.7
Allstate	Sue Bohrer-Braun	910 Middle Country Rd, Selden, NY, 11784	4.5

Compare Rates for Brookhaven, 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	$1,660	$810
Suffolk County, NY	$379,400	$1,509	$1,010	$2,140	$1,130
Brookhaven, NY	$332,200	$983	$660	$1,370	$710
Lake Grove, NY	$388,400	$991	$670	$1,400	$730
East Northport, NY	$452,900	$1,124	$760	$1,550	$790
Southampton, NY	$626,400	$1,105	$800	$1,540	$740
East Norwich, NY	$640,000	$2,843	$1,930	$3,950	$2,020
North Merrick, NY	$467,500	$2,297	$1,630	$3,240	$1,610
Roslyn Harbor, NY	$1,137,300	$1,053	$730	$1,450	$720
East Marion, NY	$618,600	$2,765	$1,960	$3,790	$1,830
Greenwich, CT	$1,217,500	$1,190	$810	$1,650	$840
Floral Park, NY	$546,600	$854	$580	$1,180	$600
North Valley Stream, NY	$365,800	$1,589	$1,140	$2,210	$1,070

Research Home Insurance Companies Reviews in Brookhaven, NY Before Buying | Back to Top

Share a review on your home insurance company

State Farm Home Insurance Reviews

Date: April 26, 2019 Age: 40 to 49 Gender: Female Marital Status: Married

Policy Offerings

I have no idea what other insurers would be like, because I started working with State Farm when I bought my first house at age 19.

Date: April 05, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Customer Service

I would rate state farm as a 4 for their customer service because they were very helpful with setting up my home insurance and combining it with my car insurance.

Date: December 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Premium

The premium was a little cheaper than other providers because I already have another policy with them. The deductible was of course high with a cheap premium like that.

Date: August 13, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Premium

I haven't shopped around very much so I am pretty happy with my rates especially considering how much they would cover in the case of something really bad happening.

Date: August 07, 2018 Age: 50 to 59 Gender: Female Marital Status: Married

Customer Service

I don't feel one way or another on this as I have never had to use my policy so I have never talked to customer service. I do like the website though which kind of plays into this.

Date: June 25, 2018 Age: 50 to 59 Gender: Female Marital Status: Married

Policy Offerings

Protection against fire or natural disasters as well as anything was stolen from the home or damages caused by someone breaking and entering.

Date: May 11, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Website/App

It is clean and simple which makes it easy to use and find things. It is a bit difficult to find the fine print and understand what all of it means.

Date: March 13, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Communication

They don't bug me which is great and I have never had an issue where something I didn't know about the change. They seem to be pretty honest so I feel their communication level is fine.

AAA Home Insurance Reviews

Date: September 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Policy Offerings

The one thing we do not have is flood insurance but I don't think we would ever need that in this area, we also do not have earthquake insurance. What we do have is incredible fire coverage. We would be paid more than the home's current value if we needed to replace it.

Date: September 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Communication

They probably do their best but it is very difficult to get a call back when you are waiting for a check. I did find that email was a quicker way to get through, especially if you email the worker's supervisor and copy the worker on the email.

Date: July 28, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Website/App

I have never used the mobile app. I would possibly use it if they had a way to make payments. I don't believe I would use it if I needed coverage, I would call and talk to a person.

Date: December 15, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Premium

AAA was one of the few companies that offered a total replacement in a fire (it's actually more than total replacement). Other companies in the area will no longer cover homes in our town because of a fire that took place in 2008. Either that or they wanted double the price for the same coverage.

Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Married

Customer Service

The only thing I dislike about their customer service is that it can take a few days for someone to call you back once you have a claim opened. If you are just starting a claim they get back to you right away. If you need information when you are waiting for the payout they take their time. I don't think they make those calls a priority.

Liberty Mutual Home Insurance Reviews

Date: April 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Customer Service

Great customer service when I need to make any changes, friendly agent, very attentive to concerns or questions.

Date: April 09, 2019 Age: 40 to 49 Gender: Male Marital Status: Married

Premium

I think my insurance company offers the better premiums then geico and other insurance companies They have been great.

Date: December 28, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Policy Offerings

The policy at Liberty Mutual covers all my needs. It covers my home, the foundation, my vehicles, and the items in my home. We attempt to shop around every year for insurance and they always seem to be the most affordable.

USAA Home Insurance Reviews

Date: April 03, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried

Customer Service

I am not the homeowner, but my family is satisfied with USAA because they work through any issues with us and seem genuinely concerned about our situation.

Date: February 14, 2019 Age: 20 to 29 Gender: Female Marital Status: Married

Customer Service

I would rate them about a 4. I hate whenever I first call USAA I speak with a program instead of a person, and it's always a pain to get to a person. But when I do finally reach someone they are always kind and try to help me out.

Progressive Home Insurance Reviews

Date: April 15, 2019 Age: 40 to 49 Gender: Male Marital Status: Married

Customer Service

I have always been happy with progressive. I have used them for a number of years for home and auto. They have always been helpful. When I moved states.

Date: March 12, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Policy Offerings

My policy covers me against lawsuits brought by other people, it covers sheds, my house, my garage, and my swimming pool. I think it covers a lot, but I don't need it for that.

Farmer's Insurance Home Insurance Reviews

Date: April 21, 2019 Age: 40 to 49 Gender: Male Marital Status: Married

Policy Offerings

Farmers' home insurance policy was the best option for me. I got estimates from 3 insurance companies and theirs, while not the lowest, was the best value.

Date: March 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Married

Customer Service

I would rate my home insurance company's service as a 5. I feel that I can call my agent anytime and he is extremely knowledgeable and helpful.

Affinity Health Plan Home Insurance Reviews

Date: December 31, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Premium

I do believe that the premiums and deductibles are very high. These premiums and deductibles seem to be standard for our location.

Travelers Home Insurance Reviews

Date: March 09, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried

Policy Offerings

I think they offer similar coverage. It's all sort of a basic system- but then if something a little unusual happens in terms of a monetary claim, one can see who will cover what.

Narragansett Bay Insurance Company Home Insurance Reviews

Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married

Website/App

I like the website because it is clean, easy to navigate, and free from third-party advertisements that would take up the page with unrelated offers.

GEICO Home Insurance Reviews

Date: March 10, 2019 Age: 50 to 59 Gender: Male Marital Status: Married

Policy Offerings

Because I purchased a Manufactured Home, it was difficult to find an insurer. Compared to other insurers, GEICO saved me time in my search and gave me the coverage I needed.

American Family Insurance Home Insurance Reviews

Date: November 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Policy Offerings

It covers a wide variety, and I lean towards health for my whole family. because it satisfies one of my biggest needs in my life