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

Ulster County, NY Homeowners Insurance Quotes

Homeowners of Ulster 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 Ulster County, our job is to help you find better than average quotes that is less than $1356 per year. Ulster 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 Ulster County, NY home insurance rate quotes today!

For all Ulster 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 Ulster 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.

Ulster County, NY Housing Demographics

With 182,493 residents living within the Ulster County area there are over 83,638 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 44,379 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 Ulster County.

DemographicValues
Total Occupied Households71,049
Family Households (families)44,379
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units83,638

Ulster County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Ulster County (FIPS: 36111), 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 Ulster County, NY, it's important that you look into hurricane and windstorm insurance options.

Ulster 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:

Ulster County, NY Home Insurance Average Premiums

Local Ulster, 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.

Ulster County, NY Coastal Wind, Hail & Flood Information

Ulster 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 Ulster is know for it's beautiful beaches and waterways. Because Ulster County (FIPS: 36111) 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 Ulster County.

New York Homeowners Insurance News & Information

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • 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 […]

Discounts For Homeowners in Ulster 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 Ulster 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 Ulster 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 Ulster 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.

Ulster County Housing & Real Estate Data

Details:Statistics
Total Housing Units83638
Occupied Housing Units71049
Vacant Housing Units12589
Vacant Housing Units for Rent1930
Vacant Housing Units Rented Not Occupied105
Vacant Housing Units For Sale1203
Vacant Housing Units Sold Not Occupied247
Vacant Housing Units For Seasonal Occasional Use6777
Vacant Housing Units All Other Vacants2327
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units71049
Housing Tenure Occupied Units Owner Occupied48781
Housing Tenure Occupied Units Owner Occupied Population122531
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied22268
Housing Tenure Occupied Units Renter Occupied Population48189
Housing Tenure Occupied Units Renter Occupied Average Household Size2