Compare quotes for your home in 11786! Compare the best 12 carriers in minutes.
Find the lowest Homeowners Insurance Rates in 11786
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 11786, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Shoreham, NY from a list of top tier nationwide insurers.
Our New York licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 11786 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 11786
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Shoreham, NY home insurance quotes in your local city and review the most competitive coverages and premiums.
11786 Ratings: high!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in Shoreham we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 11786, homeowners are seeing rates around 991 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 11786!
11786 Home Insurance Average Premiums
$741 /yr.
Shows Zip Code: 11786 lowest rates with discounts applied on average.
For the 11786, 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) | $741 /yr. |
| Average Coverage: | $991 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1291 /yr. |
What is the average home insurance cost for a home in 11786?
- • The average homeowners insurance premium paid annually for a home in 11786 is around $991 per year.
What does it cost on average per month for home insurance in 11786?
- • Homeowners in 11786 pay a monthly average cost per month around $83.00.
What kind of discount could I get if I combine my home and auto insurance together in 11786?
- • Autoowners in 11786 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 Shoreham area, check out other zip codes nearby 11786.
Review average rates in another zip code:
11786 homeowners insurance rates
Home Replacement Cost Coverage in 11786
Average Building Cost Per Square Foot in 11786: $205
Location: Shoreham, New York (Suffolk County)Average Square Footage in 11786: 2,203 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 11786 before you start any project. Shoreham 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 11786 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 11786 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,203 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 Shoreham 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 | 2,203 | $451,600 |
| Additional Upgrades & Added Features | $256 | 2,203 | $564,500 |
| Major Home Updates or Advancements | $308 | 2,203 | $677,400 |
It's important to understand that when you estimate your replacement cost of your home in the 11786 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 11786
Best Home & Auto Insurance Agencies in 11786
Housing Demographics for 11786
Population Review for 11786 Zip Code
For the city of Shoreham, the population within 11786 has increased to over 5,817 residents in population size. The current population total is 6,287. We have broken down the population based on race below. In 11786, there are over 3108 in male population and 3179 females.
| Population | Values |
|---|---|
| Total Population | 6,287 |
| White Population | 5466 |
| Black Population | 84 |
| Hispanic Population | 515 |
| Asian Population | 162 |
| Hawaiian Population | 0 |
| Indian Population | 12 |
| Other Population | 99 |
| Male Population | 3108 |
| Female Population | 3179 |
| Population Estimate | 5817 |
Household Data for 11786
The average number of homes in 11786 is around 2,010, there are an average of 3.07 per household. The average house value according to local real estate values is around $451,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,010 |
| Persons Per Household | 3.07 |
| Average House Value | $451,600 |
| Income Per Household | $147132 |
| Median Age | 43.5 |
| Median Age Male | 41.6 |
| Median Age Female | 45.2 |
| 11786 Details | Values |
|---|---|
| State | NY |
| State Full Name | New York |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 631/934 |
| City | Shoreham |
| City Alias Name | SHOREHAM |
| County | Suffolk |
| County FIPS | 103 |
| 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 | 141 |
| Number Of Employees | 771 |
| Business First Quarter Payroll | 7761 |
| Business Annual Payroll | 34160 |
| 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 | 01 |
| Congressional LandArea | 650.02 |
| Delivery Residential | 1895 |
| Delivery Business | 23 |
| Delivery Total | 2836 |
| Preferred Last Line Key | V16055 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | Nassau County-Suffolk County, NY |
| City State Key | V16055 |
| Land Area | 4.847000 |
| Water Area | 1.646000 |
| City Alias Code | |
| City Mixed Case | Shoreham |
| City Alias Mixed Case | Shoreham |
| Box Count | 300 |
| SFDU | 1895 |
| MFDU | 0 |
| State ANSI | 36 |
| County ANSI | 103 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 357730 |
| Unique ZIP Name | |
| SSA State County Code | 33700 |
| Medicare CBSA Code | 35004 |
| Medicare CBSA Name | Nassau County-Suffolk County, NY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Suffolk |
New York Homeowners Insurance News & Information
-
$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 […]
-
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
-
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]