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Sullivan County, NY Homeowners Insurance Quotes

Sullivan County (NY) homeowners are now averaging around $113.00 per month for homeowners insurance coverage. For New York, this amounts to $1356 per year for a standard (HO-3) home insurance policy. When you compare the national average, rates are around 1,249 per year. New York is now ranked #16 in the country for the highest paid home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Sullivan 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. You can easily compare rates by giving us a call now or enter your zip code to start our hassle free online quoting application. With some basic information about your home, we can help you review which carrier has the best rate and which policy per insurance provider has the best coverage. There is a big difference when it comes to protecting your home when you need it the most. Financial protection for repairs or rebuilding your home is crucial and so a cheaper rate may not always be the best decision when you need to count on an insurance provider to help you coverage financial loss due to a wind storm, hail, hurricanes or even flooding. Although, flooding is not covered under a basic policy, we can help you enhance your coverage to help add that extra protection. Let us help you shop your new home insurance policy today!

For all Sullivan 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 Sullivan 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.

Sullivan County, NY Housing Demographics

With 77,547 residents living within the Sullivan County area there are over 49,186 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 19,272 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 Sullivan County.

DemographicValues
Total Occupied Households30,139
Family Households (families)19,272
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units49,186

Sullivan County, NY Home Insurance Average Premiums

Local Sullivan, 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.

New York Homeowners Insurance News & Information

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

Discounts For Homeowners in Sullivan 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 Sullivan 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 Sullivan 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 Sullivan 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.

Sullivan County Housing & Real Estate Data

Details:Statistics
Total Housing Units49186
Occupied Housing Units30139
Vacant Housing Units19047
Vacant Housing Units for Rent1424
Vacant Housing Units Rented Not Occupied76
Vacant Housing Units For Sale1029
Vacant Housing Units Sold Not Occupied217
Vacant Housing Units For Seasonal Occasional Use14343
Vacant Housing Units All Other Vacants1958
Housing Units Homeowner Vacancy Rate Percent5
Housing Units Rental Vacancy Rate Percent13
Housing Tenure Occupied Units30139
Housing Tenure Occupied Units Owner Occupied20207
Housing Tenure Occupied Units Owner Occupied Population49324
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied9932
Housing Tenure Occupied Units Renter Occupied Population24398
Housing Tenure Occupied Units Renter Occupied Average Household Size2