Gavop shows you how to buy homeowners insurance in Fort Drum, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $49,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $101,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $202,500 | $170,000 | $150,000-$175,000 |
| 4 Bedroom | $171,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $509 |
| Superior Protection Discount | -$55 | $558 |
| Fire & Security Discount | -$43 | $570 |
| Hail Resistant Roof Discount | -$12 | $601 |
| Newly Constructed Home Discount | -$129 | $484 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,464 |
| Hail Damage | $4,476 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,054 |
| Home Insurance Company Fort Drum, NY | Homeowners Insurance Agency Fort Drum, NY | Address | Popularity Score | Distance from Fort Drum (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Wilbert-Wenner Agency | 995 State Route 26, West Leyden, NY, 13489 | 43.8 | |
| State Farm | Dave Larose | 316 Ford St, Ogdensburg, NY, 13669-1404 | 47.4 | |
| State Farm | Laura Whitney | 891 Coffeen St, Watertown, NY, 13601-2316 | 8.2 | |
| Nationwide | Brandon L Jones Agency | 20302 Nys Route 12-F, Watertown, NY, 13601 | 7.6 | |
| Nationwide | Sherry Ayen | 21101 Nys Route 12f Ste 7, Watertown, NY, 13601-5324 | 8.2 | |
| Travelers | Eastern Shore Associates | 90 Main Street Po Box 149, Camden, NY, 13316 | 49.0 | |
| Travelers | Haylor Freyer & Coon Inc | 329 State St, Carthage, NY, 13619 | 10.0 | |
| Travelers | Eastern Shore Associates | 90 Main St, Camden, NY, 13316 | 49.0 | |
| Liberty Mutual Independent | Affordable Mclaughlin & Kehoe Agency | 40 Public Sq, Watertown, NY, 13601 | 7.8 | |
| Liberty Mutual Independent | Haylor Freyer & Coon Inc | 1402 Washington St, Watertown, NY, 13601 | 8.9 |
| 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 | $850 | $1,620 | $770 |
| Jefferson County, NY | $149,300 | $624 | $440 | $850 | $410 |
| Fort Drum, NY | $157,700 | $613 | $420 | $860 | $440 |
| Herrings, NY | $91,700 | $590 | $400 | $840 | $440 |
| Carthage, NY | $126,700 | $610 | $410 | $840 | $430 |
| Brownville, NY | $152,400 | $603 | $430 | $830 | $400 |
| Clayton, NY | $168,900 | $635 | $460 | $870 | $410 |
| Fishers Landing, NY | $183,300 | $720 | $500 | $1,030 | $530 |
| Alexandria, NY | $123,700 | $607 | $410 | $860 | $450 |
| Fowler, NY | $101,400 | $592 | $430 | $840 | $410 |
| Orwell, NY | $87,900 | $590 | $400 | $820 | $420 |
| Richland, NY | $102,900 | $960 | $660 | $1,330 | $670 |