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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
Name:
Name
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homeowners insurance
how much does it cost on average?
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Posted 1/12/12 8:33 PM  |
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Prudential Douglas Elliman Real Estate
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wanttobeamom
LIF Adult
Member since 5/09 2448 total posts
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Re: homeowners insurance
Depends what you live and the features of your home.
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| Posted 1/12/12 8:57 PM |
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butterfly20
Party of 5 - 2015
Member since 4/06 7390 total posts
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Re: homeowners insurance
I have a small house in nassau and it was around $1k.....
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| Posted 1/12/12 10:52 PM |
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Re: homeowners insurance
Based on the areas where I sell the most, I usually tell my customers to factor in about an extra $125/month for homeowner's insurance.
The previous poster is right that it will vary depending on the size and features of your house (pool, alarm system, etc.) and where it is (down by the water will cost more, for example).
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| Posted 1/12/12 11:12 PM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Re: homeowners insurance
We pay $825/yr.
ETA: Raised Ranch, 3 BR, 2 BA, partial above/inground pool, deck, finished basement, attached garage, CAC, 12 y/o house, property size 4792 square feet. House is about 1700 sq. ft (give or take and including basement)
Message edited 1/13/2012 11:35:24 AM.
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| Posted 1/12/12 11:50 PM |
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evrythng4areason
And then there were 4
Member since 1/10 5224 total posts
Name:
Kayla
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Re: homeowners insurance
were paying 715/year
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| Posted 1/13/12 7:54 AM |
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ny55angel
car seat tech & geek :-)
Member since 2/06 4346 total posts
Name:
P
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Re: homeowners insurance
Posted by Century 21 Dallow - Christine Braun
The previous poster is right that it will vary depending on the size and features of your house (pool, alarm system, etc.) and where it is (down by the water will cost more, for example).
Also, If you have a finished basement, central air conditioning that will matter. The square footage of your home, is the garage attached or detatched, how many cars is it, how many bedrooms and bathrooms you have....that is all taken into account too. Where the house is located is another big factor.
Also, how much contents coverage you have, what other options you may or may not add, do you have oil or gas heat. Is the oil tank above or below ground?
Homeowners insurance doesn't take into account how big your property is. You are insuring your home and other structure on the property (garage, sheds) it doesn't matter to them if you are on a 50x100 plot or an acre.
If you have certain breeds of dog, if you have a pool or a trampolene your coverage will be more because you are an increased liability risk.
I know a great broker in Wantagh (who has clients all over the island) if you want to get a free quote I can FM you his info!!
ETA: to answer your original question, I live in a small cape 3 br 1.5 ba, detached 1.5 car garage, oil heat (tank above ground) no pool, no dogs, no trampolene, no where the water and have more coverage then I will probably ever need. I pay about $800 a year.
Message edited 1/13/2012 8:29:26 AM.
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| Posted 1/13/12 8:25 AM |
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bpmom
Feeling Blessed
Member since 6/07 2963 total posts
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Re: homeowners insurance
We pay about $1k/yr for 3bed, 2ba ....we are about a mile north of the bay in south shore Suffolk (not a flood zone)
A/C, dog, alarmed, etc.
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| Posted 1/13/12 2:33 PM |
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MockingJay
Ring out the old...
Member since 9/08 1312 total posts
Name:
Ring in the new!
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Re: homeowners insurance
I pay about $1300 for the year and I live in S. Shore Nassau north of sunrise hwy. That was actually the cheapest quote I got. Liberty Mutual wanted something like $2300
I heard alot of complanies (Allstate, State Farm, Liberty Mutual)- are not even issuing policies on Long Island any more in certain areas.
ETA: I have a 4br, 2 bath cape
Message edited 1/13/2012 4:16:09 PM.
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| Posted 1/13/12 4:15 PM |
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shadows
LIF Adult
Member since 1/10 4694 total posts
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Re: homeowners insurance
I pay about $1200/year. We are pretty close to the water.
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| Posted 1/14/12 5:00 PM |
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hazeleyes33
LIF Adult
Member since 5/05 13060 total posts
Name:
Ginger
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Re: homeowners insurance
I have Liberty Mutual and was going to use Geico but LM offered me a discount (which was $100 more a year but with better coverage) so I stayed with them and still saved about $500/year.
We now pay $1,070.
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| Posted 1/14/12 6:26 PM |
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Mrs213
????????
Member since 2/09 18986 total posts
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Re: homeowners insurance
900/yr
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| Posted 1/14/12 8:20 PM |
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