Get Tappan, NY Home Insurance Rates!
Shopping for new homeowners insurance in Tappan, New York?
We can help you find a great policy at a price you can afford, all from the comfort of your own living room. Our online quoting process is quick and easy, allowing you to you compare up to 12 competitive quotes from national insurance companies you value and trust.
Simply enter your zip code above, answer a few questions and we will get to work finding your new homeowners insurance policy.
A Few Facts about Tappan, New York Home Insurance Rates
Residents of Tappan pay an average of $1,356 for a standard home insurance policy, the national average premium across the United States is $1,311. For the state of New York, the premium rank is #16 and the most recent premium change was -0.1% from the previous year.
We can help lower your homeowners insurance costs by shopping your coverage with a variety of national insurance companies. It’s quick and easy. You can get multiple free quotes, just enter your Tappan zip code to get started.
Tappan and Homeowners Insurance
Shopping for homeowners insurance is never fun but we strive to make the process quick and simple while also taking the time to carefully review your needs to make sure your home and property is fully covered.
We will search for home insurance discounts and examine your enhanced coverage options to make sure your home and possessions are fully protected. In most cases, we can help you save up to 40% on your current rates, all from the comfort of your own home.
In addition to finding a great policy and price, our goal is to make sure you have a complete understanding of your policy before you sign on the dotted line. We are always available to answer any questions you have and explain the various coverages that make up a homeowners policy.
Our agents will guide you through the entire process and evaluate your current coverage to make sure you are protected against all risks including flooding or earthquake damage.
New York Insurance Coverages You May Not Know About
While homeowners insurance will absolutely protect your home’s structure and your personal possessions, it also includes some coverages you may not be familiar with, here is a quick overview of other structures coverage as well as loss of use:
Other Structures: This coverage will protect all other structures on your property. If you have a shed, barn, other outbuildings, fencing or other structures on your property that are detached from your home, this coverage will protect them. Other structures coverage is often capped at 10 percent of your dwelling coverage so if you are carrying $300,000 in dwelling coverage your other structures coverage is $30,000.
Loss of Use: This coverage will help pay your living costs if you are forced out of your home due to a covered peril. A covered peril might include fire, theft or water damage. Loss of use coverage will pay for expenses such as hotels, restaurants and even dry cleaning if you are not able to live in your home while it is being repaired or rebuilt after a claim.
Avg. NY Rate | Discounts | Savings | Shop Rates |
---|---|---|---|
$1356 | up to 40% off | $542 |
Tappan, Coastal Flood Insurance and Windstorm Coverage
Tappan is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
For Flood Insurance Quotes, Please Call Us at 888-620-1954!
When it comes to homeowners insurance, flood damage is always excluded. In order to fully protect your home, you will need to purchase a separate flood insurance policy. We are happy to work with you to find the best flood insurance coverage you need for your home in Tappan.
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Home Insurance Rates by Zipcode in Tappan, NY
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Tappan.
Tappan, NY Home Insurance Average Premiums
For the city of Tappan, 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) | $796 /yr. |
Average Coverage: | $1046 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1346 /yr. |
What is the average home insurance cost for a home in Tappan, NY?
- • The average homeowners insurance premium paid annually for a home in Tappan is around $1046 per year.
What does it cost on average per month for home insurance in Tappan, NY?
- • Homeowners in Tappan pay an average cost per month around $87.00 for insurance coverage.
Tappan, NY Coastal Wind, Hail & Flood Information
Tappan is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Tappan is know for it's beautiful beaches and waterways. Because Rockland County (FIPS: 36087) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Tappan, NY.
Tappan, NY - 2023 Housing Information
Month | Current Home Value (2023) | Last Year Home Value (2022) |
---|---|---|
January | $608,252 | $586,917 |
February | $604,984 | $592,687 |
March | $604,774 | $601,181 |
April | $608,865 | $609,615 |
Homeowners insurance will help cover the cost to repair or replace your Tappan home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Tappan
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Tappan, NY homeowners insurance rates all in one place! |
Saving Money Tips on Tappan Home Insurance
A great way to save money on Tappan homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Tappan area? Check out what homeowners are paying on average for New York homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
Elevation | Details | Homeowners Tips |
---|---|---|
72 ft. | This is the average home elevation in Tappan, NY | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Tappan, New York. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Tappan, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Rockland County.
New York Homeowners Insurance News & Information
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]
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Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]
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Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024
Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]
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What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024
As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic. Following is a brief overview of what to do […]
Tappan, NY Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Tappan so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Tappan, NY?
- The average square footage in Tappan is around 2,325 Sq. Ft. which would cost you around $476,600 to replace the home if you base the home on the price to build per square foot of $205.
Minimum Replacement Cost Total: $476,600
Location: Tappan, New York (Rockland County)
Average Building Cost Per Square Foot in Tappan: $205 (low end)
Average Square Footage in Tappan: 2,325 Sq. Ft.
Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
---|---|---|
None or Very Minor Improvements | $205 | $476,600 |
Some Additional Upgrades | $256 | $595,750 |
Major Home Updates or Advancements | $308 | $714,900 |
The dwelling coverage is calculated by the average cost per square foot ($205) in Tappan, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.