North Lawrence, NY Homeowners Insurance Rate Quotes!

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

Homeowners of North Lawrence, NY, below are the most popular reasons homeowners in your area are now looking for more affordable insurance rates online.

  1. You are so tired of seeing your North Lawrence home insurance rates increase year over year, that you are now taking the time to shop around in search of free quotes to review, compare and hopefully save more money.
  2. You are looking for a new home in North Lawrence, NY and want to compare quotes to see if your premium will have any effect on your monthly mortgage payment.

Regardless of the reason, you want great coverage for an affordable price, right? Every homeowner in North Lawrence wants to save more money and decreasing your monthly mortgage payment each month certainly helps you do that. That is why we offer an easy solution to shop and compare rates online, because if we can help you save hundreds on your new homeowners policy then your monthly budget will decrease on home expenses. With our quick online quoting application, we can help you review rates from up to 12 home insurance companies that are all very competitive in North Lawrence.

North Lawrence, NY Average Home Insurance Rates

Average premiums in North Lawrence, NY are increasing. New York is now ranked 16 in the country for the highest premium. The national average is $1311 a year, and your local premiums can range from $760 a year to over $1,310 a year for a standard homeowners insurance policy. It's important to know that a basic homeowners policy will include structured, contents and liability coverage. This type of policy will help cover your North Lawrence home from fire, weather, burglary and injuries on your property. If you have any questions about your insurance coverage in North Lawrence, please give us a call, we can quickly answer any questions that you may have.

For low premium rates for your home in North Lawrence, let us help you save up to 40% or more on your new home insurance policy. Let us help you discover affordable homeowners insurance rates today. Shop online or give us a call now: 1-855-976-2656.

Compare Homeowners Insurance Rates in North Lawrence, NY!

Enter your Zip Code:    

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

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

Average Rates Nearby North Lawrence

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

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

12967,     

North Lawrence, NY Home Insurance Average Premiums

Local North Lawrence, NY home insurance quotes comparison

$760 /yr.

Shows North Lawrence's lowest average rates with discounts applied.

For the city of North Lawrence, 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)		$760 /yr.
Average Coverage:$1010 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1310 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in North Lawrence is around $1010 per year.

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

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

North Lawrence, NY - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $109,889 $102,547
February $108,181 $105,307
March $106,601 $108,429
April $105,347 $110,346

Homeowners insurance will help cover the cost to repair or replace your North Lawrence 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 North Lawrence
  • 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 North Lawrence, NY homeowners insurance rates all in one place!

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

Saving Money Tips on North Lawrence Home Insurance

A great way to save money on North Lawrence 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 North Lawrence 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
484 ft. This is the average home elevation in North Lawrence, 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 North Lawrence, 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

  • 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 […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

North Lawrence, NY Dwelling Coverage Estimate

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

- The average square footage in North Lawrence is around 396 Sq. Ft. which would cost you around $81,200 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $81,200

Location: North Lawrence, New York (Saint Lawrence County)

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

Average Square Footage in North Lawrence: 396 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$205$81,200
Some Additional Upgrades$256$101,500
Major Home Updates or Advancements$308$121,800

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