Gouverneur, NY Home Insurance Quotes!

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Gouverneur is a great town to live with only 110,968 people living within the city limits. While the popluation size may be consider small, Gouverneur packs a big punch with roughly 3,599 households per zip code making this area very competitive for home insurance companies. The average number of residents living within the occupied homes is around 3, but that number can vary depending on the housing construction and property type.

Gouverneur really shines when it comes to the average household income, our median income recently hit the $39,233 mark, which puts it pretty close to the national average. This amount of income goes a long way in the Gouverneur housing market since the median house price is $94,800.

We Also Have Cheap Homeowners Insurance in Gouverneur

The residents of Gouverneur are very lucky when it comes to the cost of homeowners insurance. Recent data indicates that the average policy cost homeowners in Gouverneur, $1,356 per year. Did you know the national average is $1,311. At GetHomeInsuranceQuotes.com, we shop the best rates and coverage options, homeowners in Gouverneur pay a much cheaper rate as low as $756 per year. Average rates for homeowners living in a 1,850 square foot home or bigger usually pay around $1006 for a standard HO-3 policy. Large homes with much higher heated square footage pay around $1306 per year. Enter your zip code to start shopping quotes with us or give us a call now at 855-976-2656!

What are the insurance coverage types for homes in Gouverneur?

The thing about Gouverneur homeowners insurance that many people don't know is that it comes in a variety of different types, each one designed for the type of housing unit it protects.

Here is the information you need to know about the different homeowner insurance types in Gouverneur, NY:

HO-3: The majority of homeowners policies that are in force in Gouverneur, and most other places, are HO-3 type policies. The policies cover damage from any peril that is not specifically excluded in the policy details. HO-3 policies only protect your personal property from specific perils that are listed in the policy. As with most homeowner policies, flooding and earthquake damage are excluded.

Be sure to read your policy in full and understand any other exclusions that apply to your coverage.

HO-6: These policies are written especially for condos and co-op buildings. They provide protection for all of your personal property as well as the parts of the building that are your property, such as the walls and mechanicals of your particular unit.

HO-8: If you love older homes, this type of policy is for you. It protects older, historical homes where the cost to rebuild or replace the home exceeds the value of the house.

The fact that these policies will have a payout that is lower than the cost to replace the house makes them affordable. These policies are usually written because the home is too old to qualify for a traditional HO-3 policy. The main disadvantage is the fact that these policies only cover damage from 11 specific perils.

HO-4: If you are renting an apartment, you still need protection for your personal property and liability protection in the event that someone is injured in your apartment.

A HO-4 policy offers the protection that you need when living in an apartment. If your personal property is damaged or destroyed, you will be covered and it will also cover the medical bills and any legal bills if someone is injured while visiting you.

Compare Homeowners Insurance Rates in Gouverneur, NY!

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Get up to 12 competitive Gouverneur, NY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Gouverneur, NY rates all in one place!

Average Rates Nearby Gouverneur

Are you looking for homeowners insurance in a city near Gouverneur? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Gouverneur, NY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Gouverneur.


Gouverneur, NY Home Insurance Average Premiums

Local Gouverneur, NY home insurance quotes comparison

$756 /yr.

Shows Gouverneur's lowest average rates with discounts applied.

For the city of Gouverneur, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$756 /yr.
Average Coverage:$1006 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1306 /yr.

What is the average home insurance cost for a home in Gouverneur, NY?

  • • The average homeowners insurance premium paid annually for a home in Gouverneur is around $1006 per year.

What does it cost on average per month for home insurance in Gouverneur, NY?

  • • Homeowners in Gouverneur pay an average cost per month around $84.00 for insurance coverage.

Gouverneur, NY - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $115,107 $103,522
February $114,324 $105,859
March $113,534 $108,212
April $112,795 $109,853

Homeowners insurance will help cover the cost to repair or replace your Gouverneur home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Gouverneur
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Gouverneur, NY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Gouverneur, NY rates all in one place!

Saving Money Tips on Gouverneur Home Insurance

A great way to save money on Gouverneur homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Gouverneur area? Check out what homeowners are paying on average for New York homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
492 ft. This is the average home elevation in Gouverneur, NY

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New York flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Gouverneur, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Saint Lawrence County.

New York Homeowners Insurance News & Information

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  • 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 […]

Gouverneur, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Gouverneur so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Gouverneur, NY?

- The average square footage in Gouverneur is around 462 Sq. Ft. which would cost you around $94,800 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $94,800

Location: Gouverneur, New York (Saint Lawrence County)

Average Building Cost Per Square Foot in Gouverneur: $205 (low end)

Average Square Footage in Gouverneur: 462 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$205$94,800
Some Additional Upgrades$256$118,500
Major Home Updates or Advancements$308$142,200

The dwelling coverage is calculated by the average cost per square foot ($205) in Gouverneur, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.