Gavop shows you how to buy homeowners insurance in Gouverneur, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Gouverneur, NY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Gallagher Rd, Bristol Rd, W Wall St, Beaman Rd, Starbuck St, E Babcock St, Graves St, Austin St, Old Rte 58 N, Billings Rd | $101,500 | $90,000 | $100,000-$125,000 | $88,000 | $80,000 | $75,000-$100,000 |
| Dane Rd, Gleason St, Beckwith St, Old Rte 58 S, Helena St, Ethel St, Gravel Rd, Dailey Rd, Wall St, Seavey Rd | $72,500 | $70,000 | $75,000-$100,000 | $72,500 | $60,000 | $50,000-$75,000 |
| Kennedy Rd, Rock Island St, Averell St, Scotch Settlement Rd, Beach Rd, Co Rd 12, Barnes St, S Gordon St, Lockie Rd, John St | $123,000 | $110,000 | $125,000-$150,000 | $69,000 | $60,000 | $50,000-$75,000 |
| Sleepy Hollow Rd, Pooler Rd, Country Meadow Ln, Billings Cross Rd, Peabody Rd, William St, Quarry Rd, Raceway Rd, W Babcock St, Wilson St | $73,500 | $60,000 | $50,000-$75,000 | $83,000 | $70,000 | $75,000-$100,000 |
| Meadow Ln, Howard St, Callaway Hts, Co Rd 9, Valley Dr, Dodds Rd, Jefferson St, Vaile St, Hailesboro St, Bellevue St | $151,000 | $130,000 | $125,000-$150,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $784 |
| Superior Protection Discount | -$97 | $871 |
| Fire & Security Discount | -$68 | $900 |
| Hail Resistant Roof Discount | -$19 | $949 |
| Newly Constructed Home Discount | -$232 | $736 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| St. Lawrence County | $700 | $1,211 | $1,911 | $880 | $1,580 | $331 |
| Gouverneur, NY | $2,500 | $957 | $3,457 | $695 | $3,195 | $261 |
| Hermon, NY | $400 | $585 | $985 | $425 | $825 | $160 |
| Diana, NY | $2,000 | $587 | $2,587 | $426 | $2,426 | $160 |
| Lisbon, NY | $500 | $583 | $1,083 | $424 | $924 | $159 |
| Carthage, NY | $2,500 | $603 | $3,103 | $438 | $2,938 | $165 |
| Depauville, NY | $100 | $934 | $1,034 | $679 | $779 | $255 |
| Cranberry Lake, NY | $2,000 | $722 | $2,722 | $525 | $2,525 | $197 |
| Colton, NY | $100 | $609 | $709 | $442 | $542 | $166 |
| Watson, NY | $700 | $605 | $1,305 | $439 | $1,139 | $165 |
| Rodman, NY | $100 | $657 | $757 | $477 | $577 | $180 |
| Lorraine, NY | $700 | $588 | $1,288 | $427 | $1,127 | $161 |
| Home Insurance Company Gouverneur, NY | Homeowners Insurance Agency Gouverneur, NY | Address | Popularity Score | Distance from Gouverneur (miles) |
|---|---|---|---|---|
| Allstate | Macilvennie & Brown Insurance Agency | 10868 Us Route 11, Adams, NY, 13605 | 45.1 | |
| Farmers | Jacob Exford | 146 Arsenal St Ste 2, Watertown, NY, 13601 | 33.6 | |
| Allstate | Thousand Islands Agency | 853 James Street, Clayton, NY, 13624 | 30.5 | |
| State Farm | Laura Whitney | 891 Coffeen St, Watertown, NY, 13601-2316 | 33.7 | |
| Allstate | Weekes Agency | 9 E Main St, Gouverneur, NY, 13642 | 1.7 | |
| Travelers | Golden Crescent Agency | 170 East Broadway Street, Cape Vincent, NY, 13618 | 44.9 | |
| Allstate | Weekes Agency | 9 E Main St Po Box 426, Gouverneur, NY, 13642 | 1.7 | |
| Travelers | Haylor Freyer & Coon Inc | 1402 Washington St, Watertown, NY, 13601 | 34.8 | |
| Travelers | Fuller Insurance Agency Inc | 110 S School St, Carthage, NY, 13619 | 26.6 | |
| Travelers | Affordable Mclaughlin & Kehoe Agency | 40 Public Sq, Watertown, NY, 13601 | 33.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New York | $293,000 | $1,164 | $780 | $1,610 | $830 |
| St. Lawrence County, NY | $88,000 | $1,226 | $820 | $1,700 | $880 |
| Gouverneur, NY | $91,100 | $968 | $650 | $1,370 | $720 |
| Hermon, NY | $82,800 | $592 | $400 | $840 | $440 |
| Diana, NY | $107,800 | $594 | $400 | $840 | $440 |
| Lisbon, NY | $89,700 | $590 | $430 | $810 | $380 |
| Carthage, NY | $126,700 | $610 | $440 | $870 | $430 |
| Depauville, NY | $247,100 | $945 | $670 | $1,310 | $640 |
| Cranberry Lake, NY | $187,500 | $731 | $520 | $1,030 | $510 |
| Colton, NY | $132,200 | $616 | $440 | $860 | $420 |
| Watson, NY | $128,900 | $612 | $420 | $840 | $420 |
| Rodman, NY | $161,000 | $665 | $490 | $950 | $460 |
| Lorraine, NY | $108,800 | $595 | $400 | $830 | $430 |