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

Jefferson County, NY Homeowners Insurance Quotes

Homeowners of Jefferson County, you are paying around $113.00 a month for basic or HO-3 standard homeowners insurance coverage. If you would like to pay less than average for your home insurance premium, you are in the right place. We will be happy to help you shop and compare home insurance rates for your home in Jefferson County, our job is to help you find better than average quotes that is less than $1356 per year. Jefferson County residentents are happy to use our service and benefit from comparing competitive New York homeowners insurance rates all in one place. Our online quoting application allows you to review up to 12 competitive rates which makes it easy for you to see which carrier may have the lowest rate. But also which insurance provider has the best coverage. Let us help you shop your Jefferson County, NY home insurance rate quotes today!

For all Jefferson 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 Jefferson 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.

Jefferson County, NY Housing Demographics

With 116,229 residents living within the Jefferson County area there are over 57,966 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 29,633 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 Jefferson County.

DemographicValues
Total Occupied Households43,451
Family Households (families)29,633
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units57,966

Jefferson County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Jefferson County (FIPS: 36045), 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 Jefferson County, NY, it's important that you look into hurricane and windstorm insurance options.

Jefferson 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:

Jefferson County, NY Home Insurance Average Premiums

Local Jefferson, 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.

Jefferson County, NY Coastal Wind, Hail & Flood Information

Jefferson 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 Jefferson is know for it's beautiful beaches and waterways. Because Jefferson County (FIPS: 36045) 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 Jefferson County.

New York Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

Discounts For Homeowners in Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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.

Jefferson County Housing & Real Estate Data

Details:Statistics
Total Housing Units57966
Occupied Housing Units43451
Vacant Housing Units14515
Vacant Housing Units for Rent1445
Vacant Housing Units Rented Not Occupied223
Vacant Housing Units For Sale625
Vacant Housing Units Sold Not Occupied167
Vacant Housing Units For Seasonal Occasional Use10814
Vacant Housing Units All Other Vacants1241
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units43451
Housing Tenure Occupied Units Owner Occupied25278
Housing Tenure Occupied Units Owner Occupied Population66143
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied18173
Housing Tenure Occupied Units Renter Occupied Population43916
Housing Tenure Occupied Units Renter Occupied Average Household Size2