BES & Associates Insurance
10665 Stanhaven Pl, Ste 108, White Plains, MD 20695
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10665 Stanhaven Pl, Ste 108, White Plains, MD 20695
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to White Plains residents.
Complete insurance guide for White Plains, NY. Learn about home, auto, flood, and business insurance requirements in Westchester County's business hub.
White Plains homeowners pay an average of $1,280 annually for home insurance, below the national average but varying significantly by property type, age, and location. Rates in Westchester County generally range from $1,800 to $3,500 depending on your home's value, coverage limits, and risk factors.
It depends on your location, but it's worth serious consideration. Properties near the Bronx River or in FEMA flood zones should definitely have flood insurance. Even outside high-risk areas, homeowners face a 26% chance of flood or wind damage in the next 30 years. Standard homeowners policies don't cover flooding at all, making separate flood coverage essential for complete protection.
Market value is what you could sell your home for today—in White Plains, that's a median of $730,000 as of late 2025. Replacement cost is what it would actually cost to rebuild your house from scratch if it were destroyed. With construction costs rising faster than market values, your replacement cost might be higher than your market value, so your insurance coverage needs to reflect rebuilding costs, not sale price.
Often, yes. Older homes may have outdated electrical, plumbing, or roofing systems that increase risk. However, major updates like new wiring, a modern roof, or updated heating systems can qualify you for discounts. Make sure you have replacement cost coverage rather than actual cash value, as older homes need the full cost of restoration, not depreciated values.
The main concerns are increasingly intense nor'easters, tropical storms, basement flooding from heavy rain, and winter ice dams. Westchester has experienced major events like Hurricane Irene, Tropical Storm Lee, and Superstorm Sandy. With climate patterns shifting, weather-related claims are becoming more frequent and severe across the region.
Generally, pay out of pocket for smaller repairs. Filing a claim can increase your rates by up to 14% annually (about $425), and the rate increase often lasts for several years. Save your insurance for significant losses that you can't afford to cover yourself—that's what it's really for.
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