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Cattaraugus County, NY Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Cattaraugus County NY home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in New York. Our agents specialize in the best rates for Cattaraugus County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Cattaraugus County Coastal Home Insurance

Because Cattaraugus County is considered a coastal area, it is important to know that flood protection is crucial for homes in Cattaraugus County that are prone to hurricanes and tropical storms. We recommend you speak with us if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your basic homeowners (HO-3) policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Cattaraugus County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Rates in Cattaraugus County

Did you know the average home insurance premium for the state of New York is $1356 a year. That's $113.00 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Cattaraugus County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Cattaraugus County NY. Simply give us a call now at 1-855-976-2656

For all Cattaraugus County, NY residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Cattaraugus County? Simply enter your zip code to get your New York homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Cattaraugus County, NY Housing Demographics

With 80,317 residents living within the Cattaraugus County area there are over 41,111 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 20,560 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Cattaraugus County.

DemographicValues
Total Occupied Households32,263
Family Households (families)20,560
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units41,111

Cattaraugus County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Cattaraugus County (FIPS: 36009), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of New York is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Cattaraugus County, NY, it's important that you look into hurricane and windstorm insurance options.

Cattaraugus County, NY Home Insurance Average Premiums

Local Cattaraugus, NY homeowners insurance quotes comparison

$1,131 /yr.

New York's Average Home Insurance Rates Overall

For the state of New York, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 16 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$842 /yr.
Current Average Cost:$1,131 /yr.
Maximum Range:$1357 /yr.

Cattaraugus County, NY Coastal Wind, Hail & Flood Information

Cattaraugus is 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.

New York Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

Discounts For Homeowners in Cattaraugus County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your New York homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Cattaraugus County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Cattaraugus County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Cattaraugus County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Cattaraugus County Housing & Real Estate Data

Details:Statistics
Total Housing Units41111
Occupied Housing Units32263
Vacant Housing Units8848
Vacant Housing Units for Rent748
Vacant Housing Units Rented Not Occupied82
Vacant Housing Units For Sale483
Vacant Housing Units Sold Not Occupied157
Vacant Housing Units For Seasonal Occasional Use6035
Vacant Housing Units All Other Vacants1343
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units32263
Housing Tenure Occupied Units Owner Occupied23306
Housing Tenure Occupied Units Owner Occupied Population58141
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied8957
Housing Tenure Occupied Units Renter Occupied Population19497
Housing Tenure Occupied Units Renter Occupied Average Household Size2