Homeowner Insurance Costs in Westchester County, NY

How much does homeowner insurance cost in Westchester County? Here's what to expect.

Est. Annual Premium

$3,405

Monthly Cost

$284

Median Home Value

$619,000

% of Income

3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$619,000
Personal Property (C)$309,500
Liability (E)$300,000
Deductible$6,190

Cost Context

Homeownership Rate62.3%
Median Income$114,651
Property Tax Rate1.6%
Population997,904

About Insurance in Westchester County

Homeowner insurance in Westchester County, New York costs an estimated $3,405 per year for a median-value home of $619,000. This represents approximately 3% of the median household income of $114,651.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in New York

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.