Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Columbia County, NY agent.

Columbia County, NY Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Columbia County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Columbia County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of New York. It's important for you to know the coverage options available for your home within Columbia County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

Columbia County Coastal Home Insurance Rate Quotes

Columbia County is in a coastal area, it's important to know that flood zones are crucial along the coast that are prone to major hurricanes and tropical storms. Flood insurance programs can be offered to you through your current home insurance carrier or through the National Flood Insurance Programs available in Columbia County. Speaking with a licensed professional at GetHomeInsuranceQuotes.com allows you to review all coverage options and apply coverages like flood, hurricane insurance and wind hail coverage. Let us help you get the right coastal insurance coverage for your home in Columbia County.

For Columbia County, NY homeowners, it's important to know that the average home insurance policy in New York is estimated to be around $113.00 per month. That amounts to $1356 per year for a standard (HO-3) homeowners insurance policy for residents living in Columbia County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. New York is now ranked 16 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Columbia County, NY along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Columbia County home insurance coverage to make sure you are covered when you need it the most.

For all Columbia 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 Columbia 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.

Columbia County, NY Housing Demographics

With 63,096 residents living within the Columbia County area there are over 32,775 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 16,418 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 Columbia County.

DemographicValues
Total Occupied Households25,906
Family Households (families)16,418
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units32,775

Columbia County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Columbia County (FIPS: 36021), 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 Columbia County, NY, it's important that you look into hurricane and windstorm insurance options.

Columbia County, NY Home Insurance Average Premiums

Local Columbia, 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.

Columbia County, NY Coastal Wind, Hail & Flood Information

Columbia 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

  • 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 […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • 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 […]

Discounts For Homeowners in Columbia 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 Columbia 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 Columbia 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 Columbia 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.

Columbia County Housing & Real Estate Data

Details:Statistics
Total Housing Units32775
Occupied Housing Units25906
Vacant Housing Units6869
Vacant Housing Units for Rent692
Vacant Housing Units Rented Not Occupied38
Vacant Housing Units For Sale451
Vacant Housing Units Sold Not Occupied102
Vacant Housing Units For Seasonal Occasional Use4537
Vacant Housing Units All Other Vacants1049
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units25906
Housing Tenure Occupied Units Owner Occupied18557
Housing Tenure Occupied Units Owner Occupied Population44833
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied7349
Housing Tenure Occupied Units Renter Occupied Population16127
Housing Tenure Occupied Units Renter Occupied Average Household Size2