Clinton County, NY Homeowners Insurance Quotes

You may find it interesting that Clinton County, NY home insurance rates on average are around $113.00 per month for a basic policy. In New York, your premium right now could be in the average range of $1356 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage company. Because rates have increased, we can easily help you save more money on your homeowners insurance while also assisting you in review which coverage option is best for you. It is a good financial decision to choose a great carrier with enhanced coverage options that may be not the cheapest rate but the best protection for your home in Clinton County.

Comparison shopping online for home insurance in New York is easy and hassle free with our easy to use online quoting application. We can help you review top carriers, affordable rates and enhanced coverage options all in one place. You might also like to know that our enhanced coverage option features better coverage for your home when you need it the most. Cheaper insurance rates have low coverage details written within the policy that you may not have read clearly enough. Don't wait until it is too late, you want an insurance provider you can trust and depend on, especially when you have taken on a loss and need to be refunded for damages. Let us help you shope and compare Clinton County, NY quotes today!

For all Clinton 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 Clinton 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.

Clinton County, NY Housing Demographics

With 82,128 residents living within the Clinton County area there are over 35,888 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 19,752 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 Clinton County.

Clinton County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Clinton County (FIPS: 36019), 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 Clinton County, NY, it's important that you look into hurricane and windstorm insurance options.

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• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

• Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

  According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

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  According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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 Clinton 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 Clinton 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 Clinton 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.