Gavop shows you how to buy homeowners insurance in Clinton County, 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 | $52,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $98,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $94,500 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $249,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $137,500 | $110,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$233 | $993 |
| Superior Protection Discount | -$123 | $1,103 |
| Fire & Security Discount | -$110 | $1,115 |
| Hail Resistant Roof Discount | -$25 | $1,201 |
| Newly Constructed Home Discount | -$257 | $968 |
| 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 |
| Clinton County | $1,500 | $1,211 | $2,711 | $880 | $2,380 | $331 |
| Clinton County, NY | $700 | $1,211 | $1,911 | $880 | $1,580 | $331 |
| Schuyler Falls, NY | $100 | $573 | $673 | $417 | $517 | $157 |
| Redford, NY | $1,000 | $608 | $1,608 | $442 | $1,442 | $166 |
| Champlain, NY | $300 | $940 | $1,240 | $683 | $983 | $257 |
| Shelburne, VT | $1,500 | $806 | $2,306 | $586 | $2,086 | $220 |
| St. George, VT | $100 | $794 | $894 | $577 | $677 | $217 |
| Westport, NY | $1,500 | $637 | $2,137 | $463 | $1,963 | $174 |
| North Elba, NY | $400 | $690 | $1,090 | $501 | $901 | $189 |
| Hinesburg, VT | $1,000 | $897 | $1,897 | $652 | $1,652 | $245 |
| Jeffersonville, VT | $100 | $753 | $853 | $547 | $647 | $206 |
| Home Insurance Company Clinton County, NY | Homeowners Insurance Agency Clinton County, NY | Address | Popularity Score | Distance from Clinton County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Northern Insuring Agency Inc | 171 Margaret St, Plattsburgh, NY, 12901 | 12.9 | |
| Allstate | Timothy Ruscio | 25 Plattsburgh Plz, Plattsburgh, NY, 12901 | 11.9 | |
| Travelers | Brooke & Irwin Insurance Agency Inc | 14 Healey Ave, Plattsburgh, NY, 12901 | 11.7 | |
| Erie | Shumway Insurance Agency Inc. | 2 Cogan Avenue Suite 103, Plattsburgh, NY, 12901 | 11.8 | |
| Travelers | Riverside Insurance Agency | 9665 Route 9, Chazy, NY, 12921 | 16.2 | |
| Liberty Mutual Independent | The Chauvin Agency Inc | 6064 State Route 22 Ste 6, Plattsburgh, NY, 12901 | 11.8 | |
| Allstate | Beverly Peryea-Labarge | 34 Skyway Plz Ste 4, Plattsburgh, NY, 12901 | 10.9 | |
| Travelers | Rose & Kiernan Inc | 498 Route 3, Plattsburgh, NY, 12901 | 11.0 | |
| Allstate | Patrick Kowalczyk | 336 W Main St, Malone, NY, 12953 | 29.8 | |
| State Farm | Chester Mazzone | 61 Smithfield Blvd, Plattsburgh, NY, 12901-2111 | 11.1 |
| 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 | $800 | $1,610 | $810 |
| Clinton County, NY | $129,000 | $1,226 | $890 | $1,680 | $790 |
| Clinton County, NY | $129,000 | $1,226 | $890 | $1,740 | $850 |
| Schuyler Falls, NY | $137,800 | $580 | $410 | $820 | $410 |
| Redford, NY | $131,000 | $615 | $410 | $880 | $470 |
| Champlain, NY | $113,800 | $952 | $640 | $1,350 | $710 |
| Shelburne, VT | $400,000 | $815 | $580 | $1,150 | $570 |
| St. George, VT | $235,300 | $804 | $570 | $1,150 | $580 |
| Westport, NY | $150,400 | $645 | $430 | $890 | $460 |
| North Elba, NY | $194,200 | $698 | $500 | $1,000 | $500 |
| Hinesburg, VT | $304,600 | $908 | $620 | $1,260 | $640 |
| Jeffersonville, VT | $206,700 | $762 | $560 | $1,080 | $520 |