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Warren County, NY Homeowners Insurance Quotes
If you own a home in Warren County, NY you are currently paying around $113.00 per month for a standard homeowners policy. A standard HO-3 policy normally coverages your home against windstorms, lightning and fire damage. In New York, your premium could be in the average rate range of $1356 per year. We like to help customers compare multiple home insurance rates all in one place. Our shopping process is a hassle free and we are here to help you review prices as well as coverage options that best fit your financial needs. You may want the lowest price but it is important to email or speak with us when it comes to cost versus coverage. Our consulting process if free and we can first review up to 12 major carriers with competitive rates in your area. Next, we can compare rate and coverage options. And last we can help you review enhanced coverage options like wind/hail or flood and include any homeowners insurance discounts that may apply to help you save more money on your home insurance needs.
For all Warren 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.
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Are you looking for a homeowners insurance quote in Warren 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.
Warren County, NY Housing Demographics
With 65,707 residents living within the Warren County area there are over 38,726 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 17,743 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 Warren County.
Demographic | Values |
---|---|
Total Occupied Households | 27,990 |
Family Households (families) | 17,743 |
Average Owner Occupied Household Size | 2 |
Average Family Size | 3 |
Total Housing Units | 38,726 |
Warren County, NY Home Insurance Average Premiums
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 Rating | Annual Premium |
---|---|
Minimum Range: | $842 /yr. |
Current Average Cost: | $1,131 /yr. |
Maximum Range: | $1357 /yr. |
New York Homeowners Insurance News & Information
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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, […]
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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 […]
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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 […]
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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 […]
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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 Warren 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 Warren 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 Warren 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 Warren 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.
Warren County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 38726 |
Occupied Housing Units | 27990 |
Vacant Housing Units | 10736 |
Vacant Housing Units for Rent | 792 |
Vacant Housing Units Rented Not Occupied | 48 |
Vacant Housing Units For Sale | 471 |
Vacant Housing Units Sold Not Occupied | 97 |
Vacant Housing Units For Seasonal Occasional Use | 8582 |
Vacant Housing Units All Other Vacants | 746 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 8 |
Housing Tenure Occupied Units | 27990 |
Housing Tenure Occupied Units Owner Occupied | 19389 |
Housing Tenure Occupied Units Owner Occupied Population | 47417 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2 |
Housing Tenure Occupied Units Renter Occupied | 8601 |
Housing Tenure Occupied Units Renter Occupied Population | 17552 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |