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

Essex County, NY Homeowners Insurance Quotes

Shopping online for home insurance rates in Essex County is much easier and faster with our online quoting application. We can provide the most affordable premiums and coverage options while comparing up to 12 top insurance providers to help you find the best homeowners policy for you and your family in New York.

For Essex County NY homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind or hail damage and so much more.

Essex County Home Insurance Rates

Essex County, NY homeowners insurance is now costing homeowners around $113.00 per month for a basic homeowners policy. For New York residents, this amounts to $1356 per year for homeowners living in Essex County, NY. In comparison, the national average for home insurance rates costs around 1,249 per year. New York is ranked #16 in the country for the highest home insurance rates. Would you like to get up to 12 free competitive home insurance quotes for your home in Essex County, NY? We can help you save up to 40% or more on these average rates. If this interest you, we look forward to working with you and providing an excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the top rates and coverage options for you.

For all Essex 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 Essex 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.

Essex County, NY Housing Demographics

With 39,370 residents living within the Essex County area there are over 25,603 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 10,026 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 Essex County.

DemographicValues
Total Occupied Households16,262
Family Households (families)10,026
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units25,603

Essex County, NY Home Insurance Average Premiums

Local Essex, 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.

New York Homeowners Insurance News & Information

  • 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 […]

  • Florida home insurance and hurricanes 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 […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

Discounts For Homeowners in Essex 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 Essex 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 Essex 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 Essex 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.

Essex County Housing & Real Estate Data

Details:Statistics
Total Housing Units25603
Occupied Housing Units16262
Vacant Housing Units9341
Vacant Housing Units for Rent666
Vacant Housing Units Rented Not Occupied14
Vacant Housing Units For Sale340
Vacant Housing Units Sold Not Occupied78
Vacant Housing Units For Seasonal Occasional Use7646
Vacant Housing Units All Other Vacants597
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent13
Housing Tenure Occupied Units16262
Housing Tenure Occupied Units Owner Occupied11989
Housing Tenure Occupied Units Owner Occupied Population28189
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied4273
Housing Tenure Occupied Units Renter Occupied Population8534
Housing Tenure Occupied Units Renter Occupied Average Household Size2