Narrowsburg, NY Homeowners Insurance Rate Quotes!

Are you looking for affordable home insurance rates in Narrowsburg, NY? Although price is a common factor for Narrowsburg homeowners when it comes to looking for a new homeowners policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your homeowners insurance provides the protection you need for home related damages due to home fires, theft, loss or weather damage. Not a bad deal for only around $86 a month! Better coverage options doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may not realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local Narrowsburg home insurance agent help you today!

Location	Premium	Per Month	Shop Rates
Narrowsburg	$1,026 /yr.	$86 /mo.	Get Narrowsburg Rates!

Facts About Narrowsburg, NY

There are 1,802 people that happily call the great city of Narrowsburg home. Did you know, there are 770 housing units in town, making the average owner occupied household size roughly 3?

The average household income in Narrowsburg is around $50,417. One more great fact about Narrowsburg is the average cost of a house, which is $186,900 so housing is very affordable.

Average Narrowsburg Home Insurance Rates

Narrowsburg homeowners have the advantage of finding very affordable home insurance rates when you compare quotes from different companies. For a basis HO-3 homeowners insurance policy, you can find rates as low as $776 per year, this would cover a home around 1,500 square feet. Higher-end homes with much larger square footage size will cost more around $1,326 per year. Most of the time, your home insurance cost is due to the replacement cost value or dwelling coverage needed to rebuild your home.

You may not know that home insurance in Narrowsburg comes in a variety of types. The following types are just a few of the specific homeowners insurance types that are available:

HO-3: An HO-3 home insurance policy is the most common policy being sold and most likely the one you already have or will be getting when you purchase your new home. It will cover damages from everything except the perils that are excluded in the policy. Flood and earthquake damage are always excluded on a HO-3 policy. If your home is required to have a flood or earthquake policy, you will need to purchase a separate policy for this additional coverage.
HO-8: If you own an older home or looking to purchase one, the HO-8 policy is the correct coverage type for you. This type of policy is specially designed for older home and pays out on an actual cash value which means depreciation is subtracted from the replacement costs. Because the cost of original building materials, and fixing issues such as ancient wiring can be extremely expensive, a standard HO-3 policy may not be available for older homes.
H0-4: This is more commonly referred to as renter's insurance and offers protection for all of the personal property that you keep in your apartment. A renter's policy also offers liability insurance, which will cover the medical costs if a person is injured in your apartment. Renters insurance is extremely affordable and if you live in an apartment you should absolutely have this coverage.

Compare Homeowners Insurance Rates in Narrowsburg, NY!

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

Average Rates Nearby Narrowsburg

Are you looking for homeowners insurance in a city near Narrowsburg? 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 Narrowsburg, NY

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

12764,

Narrowsburg, NY Home Insurance Average Premiums

Local Narrowsburg, NY home insurance quotes comparison

$776 /yr.

Shows Narrowsburg's lowest average rates with discounts applied.

For the city of Narrowsburg, 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)	$776 /yr.
Average Coverage:	$1026 /yr.
2600 sq. ft. or higher (all discounts applied)	$1326 /yr.

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

• The average homeowners insurance premium paid annually for a home in Narrowsburg is around $1026 per year.

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

• Homeowners in Narrowsburg pay an average cost per month around $86.00 for insurance coverage.

Narrowsburg, NY - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$307,808	$273,095
February	$305,482	$281,565
March	$304,829	$291,825
April	$304,982	$301,116

Homeowners insurance will help cover the cost to repair or replace your Narrowsburg 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 Narrowsburg
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.

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

Saving Money Tips on Narrowsburg Home Insurance

A great way to save money on Narrowsburg 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 Narrowsburg 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
1168 ft.	This is the average home elevation in Narrowsburg, 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 Narrowsburg, 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 Sullivan County.

New York Homeowners Insurance News & Information

How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]
Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025
According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year. The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]
Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]

Narrowsburg, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Narrowsburg 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 Narrowsburg, NY?

- The average square footage in Narrowsburg is around 912 Sq. Ft. which would cost you around $186,900 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $186,900

Location: Narrowsburg, New York (Sullivan County)

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

Average Square Footage in Narrowsburg: 912 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$205	$186,900
Some Additional Upgrades	$256	$233,625
Major Home Updates or Advancements	$308	$280,350

Calculate Your Narrowsburg, NY Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($205) in Narrowsburg, 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.