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

Livingston County, NY Homeowners Insurance Quotes

Are you shopping online for home insurance in Livingston County NY? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our Livingston County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.

Protecting your home in New York from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!

More about premiums in Livingston County

Livingston County, NY homeowners are now averaging around $113.00 per month for a basic home insurance policy. For New York, this amounts to $1356 per year for a standard (HO-3) homeowners insurance policy for residents living in Livingston County, NY. In comparison, the national average for home insurance rates is around 1,249 per year. New York is now ranked #16 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Livingston County, NY so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.

For all Livingston 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 Livingston 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.

Livingston County, NY Housing Demographics

With 65,393 residents living within the Livingston County area there are over 27,123 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 15,943 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 Livingston County.

DemographicValues
Total Occupied Households24,409
Family Households (families)15,943
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units27,123

Livingston County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Livingston County (FIPS: 36051), 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 Livingston County, NY, it's important that you look into hurricane and windstorm insurance options.

Livingston County, NY Home Insurance Average Premiums

Local Livingston, 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.

Livingston County, NY Coastal Wind, Hail & Flood Information

Livingston 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

  • 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 Livingston 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 Livingston 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 Livingston 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 Livingston 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.

Livingston County Housing & Real Estate Data

Details:Statistics
Total Housing Units27123
Occupied Housing Units24409
Vacant Housing Units2714
Vacant Housing Units for Rent444
Vacant Housing Units Rented Not Occupied33
Vacant Housing Units For Sale310
Vacant Housing Units Sold Not Occupied101
Vacant Housing Units For Seasonal Occasional Use1312
Vacant Housing Units All Other Vacants514
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent6
Housing Tenure Occupied Units24409
Housing Tenure Occupied Units Owner Occupied17845
Housing Tenure Occupied Units Owner Occupied Population45229
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied6564
Housing Tenure Occupied Units Renter Occupied Population14406
Housing Tenure Occupied Units Renter Occupied Average Household Size2