Brier Hill, NY Homeowners Insurance Rate Quotes!

Are you buying a new home in Brier Hill? Let GetHomeInsuranceQuotes.com of New York help you compare the top rates and coverages in your local area. We can provide up to 12 competitive homeowners insurance rates all-in-one place so that you can easily review which premium prices and coverage options best fit your needs.

Brier Hill consists of about 121 single family homes that are under a standard homeowners insurance policy. This type of plan is a basic insurance plan that covers your home against theft, wind damage and house fires. Allowing us to help you compare multiple rates at once will allow you to get the protection you need for your home. We also have enhanced coverage options like flood insurance, wind and hail coverage and mult-line home and auto insurance policies to choose from. Let us shop and compare the best rate for you all-in-one place.

Best Home Insurance Rates in Brier Hill

For homeowners living in Brier Hill, the average rate per month is around $85. We can help you shop and review rates as low as $768 per year for a standard homeowners insurance policy. Coverage and replacement cost depend on the value of the home, higher value homes may see prices in the $1,318 per year for home insurance coverage. Larger homes that cost more to rebuild require a more expensive coverage amount simply because it would cost more to replacement or rebuild the home. Getting the right coverage at an affordable price is our job, let us help you shop Brier Hill home insurance rates today!

Compare Homeowners Insurance Rates in Brier Hill, NY!

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Average Rates Nearby Brier Hill

Are you looking for homeowners insurance in a city near Brier Hill? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Brier Hill, NY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Brier Hill.

13614,

Brier Hill, NY Home Insurance Average Premiums

Local Brier Hill, NY home insurance quotes comparison

$768 /yr.

Shows Brier Hill's lowest average rates with discounts applied.

For the city of Brier Hill, 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)	$768 /yr.
Average Coverage:	$1018 /yr.
2600 sq. ft. or higher (all discounts applied)	$1318 /yr.

What is the average home insurance cost for a home in Brier Hill, NY?

• The average homeowners insurance premium paid annually for a home in Brier Hill is around $1018 per year.

What does it cost on average per month for home insurance in Brier Hill, NY?

• Homeowners in Brier Hill pay an average cost per month around $85.00 for insurance coverage.

Brier Hill, NY - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$111,820	$107,414
February	$110,836	$109,870
March	$110,363	$112,096
April	$109,900	$113,678

Homeowners insurance will help cover the cost to repair or replace your Brier Hill 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 Brier Hill
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 Brier Hill, NY homeowners insurance rates all in one place!

Saving Money Tips on Brier Hill Home Insurance

A great way to save money on Brier Hill 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 Brier Hill 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
377 ft.	This is the average home elevation in Brier Hill, NY	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New York flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Brier Hill, 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 Saint Lawrence County.

New York Homeowners Insurance News & Information

Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025
Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums. In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help. Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]
Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025
Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year. With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]
Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025
Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase? The increasing frequency of […]
How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025
Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]
New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025
According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market. Recently, the Office of Insurance Regulation […]

Brier Hill, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Brier Hill 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 Brier Hill, NY?

- The average square footage in Brier Hill is around 295 Sq. Ft. which would cost you around $60,500 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $60,500

Location: Brier Hill, New York (Saint Lawrence County)

Average Building Cost Per Square Foot in Brier Hill: $205 (low end)

Average Square Footage in Brier Hill: 295 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$205	$60,500
Some Additional Upgrades	$256	$75,625
Major Home Updates or Advancements	$308	$90,750

Calculate Your Brier Hill, NY Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($205) in Brier Hill, 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.