Gavop tells you how to get the best homeowners insurance in Cold Spring Harbor, NY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $194,500 | $170,000 | $200,000-$250,000 |
| 2 Bedroom | $398,500 | $360,000 | $350,000-$400,000 |
| 3 Bedroom | $678,500 | $550,000 | $600,000-$700,000 |
| 4 Bedroom | $731,500 | $590,000 | $700,000-$800,000 |
| 5 Bedroom | $637,000 | $540,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $700 |
| Superior Protection Discount | -$76 | $767 |
| Fire & Security Discount | -$59 | $784 |
| Hail Resistant Roof Discount | -$17 | $826 |
| Newly Constructed Home Discount | -$236 | $607 |
| 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 |
| Cold Spring Harbor, NY | $700 | $833 | $1,533 | $605 | $1,305 | $228 |
| Upper Brookville, NY | $100 | $1,032 | $1,132 | $750 | $850 | $282 |
| West Hempstead, NY | $2,000 | $1,986 | $3,986 | $1,443 | $3,443 | $543 |
| Tarrytown, NY | $300 | $834 | $1,134 | $606 | $906 | $228 |
| Englewood, NJ | $2,500 | $851 | $3,351 | $618 | $3,118 | $232 |
| Closter, NJ | $400 | $1,077 | $1,477 | $783 | $1,183 | $294 |
| Sparkill, NY | $1,500 | $2,119 | $3,619 | $1,540 | $3,040 | $579 |
| Poospatuck, NY | $100 | $655 | $755 | $476 | $576 | $179 |
| Wyckoff, NJ | $2,500 | $1,124 | $3,624 | $817 | $3,317 | $307 |
| Cold Spring, NY | $100 | $1,928 | $2,028 | $1,401 | $1,501 | $527 |
| Oceanport, NJ | $2,000 | $1,021 | $3,021 | $742 | $2,742 | $279 |
| Home Insurance Company Cold Spring Harbor, NY | Homeowners Insurance Agency Cold Spring Harbor, NY | Address | Popularity Score | Distance from Cold Spring Harbor (miles) |
|---|---|---|---|---|
| Allstate | David Tuohy Jr. | 233 E Main St, Huntington, NY, 11743 | 3.6 | |
| Allstate | Melody Minkoff | 4089 Victory Blvd Fl 2, Staten Island, NY, 10314 | 42.8 | |
| Liberty Mutual Independent | Robert C Bill Associates Inc | 150 Broadhollow Rd Ste 307, Melville, NY, 11747 | 5.1 | |
| State Farm | Diana Casey | 1093 North Broadway, Massapequa, NY, 11758-1702 | 9.9 | |
| State Farm | Joe Benincasa | 54 Willow Park Ctr, Farmingdale, NY, 11735-1001 | 7.5 | |
| State Farm | Tim Mee | 667 Old Country Rd, Plainview, NY, 11803-4910 | 6.1 | |
| State Farm | Alexandra Centeno | 1065 Old Country Rd Ste 216, Westbury, NY, 11590-5628 | 8.8 | |
| Travelers | Bracco Agency Inc | 514 Larkfield Rd Ste 4b, East Northport, NY, 11731 | 6.9 | |
| Travelers | Allen C Bentson Agency Inc | 653 Forest Ave, Staten Island, NY, 10310 | 37.9 | |
| Allstate | Lina Bennardo | 1904 86th St Fl 2nd, Brooklyn, NY, 11214 | 33.5 |
| 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 | $850 | $1,610 | $760 |
| Suffolk County, NY | $379,400 | $1,509 | $1,070 | $2,100 | $1,030 |
| Cold Spring Harbor, NY | $763,900 | $843 | $610 | $1,160 | $550 |
| Upper Brookville, NY | $1,816,200 | $1,044 | $710 | $1,480 | $770 |
| West Hempstead, NY | $428,000 | $2,010 | $1,450 | $2,870 | $1,420 |
| Tarrytown, NY | $582,800 | $844 | $570 | $1,210 | $640 |
| Englewood, NJ | $374,200 | $861 | $580 | $1,200 | $620 |
| Closter, NJ | $625,700 | $1,090 | $780 | $1,500 | $720 |
| Sparkill, NY | $446,800 | $2,145 | $1,440 | $2,960 | $1,520 |
| Poospatuck, NY | $159,800 | $663 | $480 | $940 | $460 |
| Wyckoff, NJ | $724,100 | $1,138 | $760 | $1,570 | $810 |
| Cold Spring, NY | $419,600 | $1,951 | $1,420 | $2,770 | $1,350 |
| Oceanport, NJ | $441,600 | $1,034 | $700 | $1,470 | $770 |