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11771 Home Insurance Rates & Premiums
Did you know there are over 10,322 people living within the 11771 zip code area? There are over 3,815 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:
- We will shop up to 12 home insurance companies for free.
- We will apply all discounts and credits to help you save up to 40% or more.
- We will answer any questions that you may.
- We will review the best policy and coverage option in 11771.
Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.
Average homeowners insurance premiums in New York are on the rise. The estimated average premium is around $904 a year for a standard homeowners insurance policy in Oyster Bay. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.
11771 Home Insurance Average Premiums
$654 /yr.
Shows Zip Code: 11771 lowest rates with discounts applied on average.
For the 11771, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $654 /yr. |
| Average Coverage: | $904 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1204 /yr. |
What is the average home insurance cost for a home in 11771?
- • The average homeowners insurance premium paid annually for a home in 11771 is around $904 per year.
What does it cost on average per month for home insurance in 11771?
- • Homeowners in 11771 pay a monthly average cost per month around $75.00.
What kind of discount could I get if I combine my home and auto insurance together in 11771?
- • Autoowners in 11771 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Oyster Bay area, check out other zip codes nearby 11771.
Review average rates in another zip code:
11771 homeowners insurance rates
Home Replacement Cost Coverage in 11771
Average Building Cost Per Square Foot in 11771: $205
Location: Oyster Bay, New York (Nassau County)Average Square Footage in 11771: 4,017 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 11771 before you start any project. Oyster Bay homeowners pay on average around $205 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 11771 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 11771 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,017 sq. ft. and the average cost to rebuild the home in this area is around $205 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Oyster Bay area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $205 | 4,017 | $823,400 |
| Additional Upgrades & Added Features | $256 | 4,017 | $1,029,250 |
| Major Home Updates or Advancements | $308 | 4,017 | $1,235,100 |
It's important to understand that when you estimate your replacement cost of your home in the 11771 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 11771
Best Home & Auto Insurance Agencies in 11771
Allstate Insurance Company - Robert D Reimels
Address: 71 W Main St Oyster Bay, NY 11771Phone:
Website: http://www.allstateagencies.com/RobertReimels/Welcome/
Info:
John Specce Agency Inc - State Farm Insurance Agent
Address: 70 E Main St Oyster Bay, NY 11771Phone:
Website: http://www.johnspecce.com
Info:
Housing Demographics for 11771
Population Review for 11771 Zip Code
For the city of Oyster Bay, the population within 11771 has increased to over 10,222 residents in population size. The current population total is 10,322. We have broken down the population based on race below. In 11771, there are over 5135 in male population and 5187 females.
| Population | Values |
|---|---|
| Total Population | 10,322 |
| White Population | 7866 |
| Black Population | 279 |
| Hispanic Population | 1613 |
| Asian Population | 538 |
| Hawaiian Population | 2 |
| Indian Population | 26 |
| Other Population | 687 |
| Male Population | 5135 |
| Female Population | 5187 |
| Population Estimate | 10222 |
Household Data for 11771
The average number of homes in 11771 is around 3,815, there are an average of 2.69 per household. The average house value according to local real estate values is around $823,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,815 |
| Persons Per Household | 2.69 |
| Average House Value | $823,400 |
| Income Per Household | $129648 |
| Median Age | 44.8 |
| Median Age Male | 42.6 |
| Median Age Female | 46.7 |
| 11771 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 516 |
| City | Oyster Bay |
| City Alias Name | OYSTER BAY |
| County | Nassau |
| County FIPS | 059 |
| State FIPS | 36 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 5602 |
| PMSA | 5380 |
| CSA | 408 |
| CBSA | 35620 |
| CBSA_DIV | 35004 |
| CBSA_Type | Metro |
| CBSA_Name | New York-Newark-Jersey City, NY-NJ |
| MSA_Name | New York-Northern New Jersey-Long Island, NY-NJ-CT-PA |
| PMSA_Name | Nassau-Suffolk, NY PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 438 |
| Number Of Employees | 3031 |
| Business First Quarter Payroll | 42766 |
| Business Annual Payroll | 197470 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 18897109 |
| CBSA Division Population | 2832882 |
| Congressional District | 03 |
| Congressional LandArea | 254.92 |
| Delivery Residential | 3800 |
| Delivery Business | 348 |
| Delivery Total | 4475 |
| Preferred Last Line Key | V15277 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | Nassau County-Suffolk County, NY |
| City State Key | V15277 |
| Land Area | 10.840000 |
| Water Area | 3.302000 |
| City Alias Code | |
| City Mixed Case | Oyster Bay |
| City Alias Mixed Case | Oyster Bay |
| Box Count | 183 |
| SFDU | 3528 |
| MFDU | 267 |
| State ANSI | 36 |
| County ANSI | 059 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 356320 |
| Unique ZIP Name | |
| SSA State County Code | 33400 |
| Medicare CBSA Code | 35004 |
| Medicare CBSA Name | Nassau County-Suffolk County, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Nassau |
New York Homeowners Insurance News & Information
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
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What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]