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Chautauqua County, NY Homeowners Insurance Quotes

Are you looking for a quick comparison of Chautauqua County, NY homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Chautauqua County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Coastal Chautauqua County, NY Home Insurance

Chautauqua County is located near the coast as you know, so it is important to understand that flood protection is crucial for homes in your area that are prone to hurricanes and tropical wind storms. We recommend you speak with us if you have questions about your coastal homeowners insurance coverage. Flood insurance 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 Chautauqua County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Affordable Chautauqua County Rates

Homeowners living in Chautauqua County, pay on average around $1356 per year or $113.00 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Chautauqua County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-855-976-2656

For all Chautauqua 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 Chautauqua 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.

Chautauqua County, NY Housing Demographics

With 134,905 residents living within the Chautauqua County area there are over 66,920 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 34,101 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 Chautauqua County.

DemographicValues
Total Occupied Households54,244
Family Households (families)34,101
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units66,920

Chautauqua County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Chautauqua County (FIPS: 36013), 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 Chautauqua County, NY, it's important that you look into hurricane and windstorm insurance options.

Chautauqua County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of New York.

Helpful Articles:

Chautauqua County, NY Home Insurance Average Premiums

Local Chautauqua, 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.

Chautauqua County, NY Coastal Wind, Hail & Flood Information

Chautauqua 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.

Flood Zone Notice: The beautiful coastal county of Chautauqua is know for it's beautiful beaches and waterways. Because Chautauqua County (FIPS: 36013) 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 Chautauqua County.

New York Homeowners Insurance News & Information

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Discounts For Homeowners in Chautauqua 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 Chautauqua 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 Chautauqua 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 Chautauqua 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.

Chautauqua County Housing & Real Estate Data

Details:Statistics
Total Housing Units66920
Occupied Housing Units54244
Vacant Housing Units12676
Vacant Housing Units for Rent1876
Vacant Housing Units Rented Not Occupied96
Vacant Housing Units For Sale795
Vacant Housing Units Sold Not Occupied269
Vacant Housing Units For Seasonal Occasional Use7573
Vacant Housing Units All Other Vacants2067
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units54244
Housing Tenure Occupied Units Owner Occupied36876
Housing Tenure Occupied Units Owner Occupied Population90697
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied17368
Housing Tenure Occupied Units Renter Occupied Population37694
Housing Tenure Occupied Units Renter Occupied Average Household Size2