Gavop's guide to buying homeowners insurance in Jefferson County, NY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $73,500 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $128,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $209,500 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $209,500 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $524 |
| Superior Protection Discount | -$62 | $561 |
| Fire & Security Discount | -$44 | $580 |
| Hail Resistant Roof Discount | -$12 | $611 |
| Newly Constructed Home Discount | -$181 | $443 |
| 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 |
| Jefferson County | $1,000 | $616 | $1,616 | $448 | $1,448 | $168 |
| Jefferson County, NY | $2,500 | $616 | $3,116 | $448 | $2,948 | $168 |
| Brownville, NY | $300 | $595 | $895 | $433 | $733 | $163 |
| Pamelia, NY | $2,500 | $676 | $3,176 | $491 | $2,991 | $185 |
| Alexandria, NY | $2,000 | $600 | $2,600 | $436 | $2,436 | $164 |
| Pulaski, NY | $300 | $584 | $884 | $424 | $724 | $160 |
| Altmar, NY | $2,000 | $609 | $2,609 | $442 | $2,442 | $166 |
| New Bremen, NY | $200 | $604 | $804 | $439 | $639 | $165 |
| Macomb, NY | $2,000 | $584 | $2,584 | $424 | $2,424 | $160 |
| Leyden, NY | $400 | $584 | $984 | $424 | $824 | $160 |
| Central Square, NY | $1,000 | $626 | $1,626 | $455 | $1,455 | $171 |
| Home Insurance Company Jefferson County, NY | Homeowners Insurance Agency Jefferson County, NY | Address | Popularity Score | Distance from Jefferson County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Eastern Shore Associates | 101 Cayuga Street, Fulton, NY, 13069 | 49.8 | |
| Farmers | Jacob Exford | 146 Arsenal St Ste 2, Watertown, NY, 13601 | 7.1 | |
| Liberty Mutual Independent | Eastern Shore Associates | 101 Cayuga St, Fulton, NY, 13069 | 49.8 | |
| Nationwide | Sherry Ayen | 21101 Nys Route 12f Ste 7, Watertown, NY, 13601-5324 | 6.3 | |
| Travelers | A T Matthews & Dier | 636 Coffeen Street, Watertown, NY, 13601 | 6.5 | |
| Travelers | Golden Crescent Agency | 170 East Broadway Street, Cape Vincent, NY, 13618 | 16.8 | |
| Travelers | A T Matthews & Dier | 636 Coffeen St, Watertown, NY, 13601 | 6.5 | |
| Allstate | Weekes Agency | 9 E Main St Po Box 426, Gouverneur, NY, 13642 | 37.4 | |
| Nationwide | Lance D Wiltse | 120 Cayuga St Ste D, Fulton, NY, 13069 | 49.8 | |
| State Farm | Chris Nelson | 142 W Utica St, Oswego, NY, 13126-1919 | 44.3 |
| 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 | $840 | $1,590 | $750 |
| Jefferson County, NY | $149,300 | $624 | $460 | $870 | $410 |
| Jefferson County, NY | $149,300 | $624 | $460 | $860 | $400 |
| Brownville, NY | $152,400 | $603 | $430 | $830 | $400 |
| Pamelia, NY | $169,400 | $684 | $460 | $950 | $490 |
| Alexandria, NY | $123,700 | $607 | $410 | $830 | $420 |
| Pulaski, NY | $99,700 | $591 | $400 | $850 | $450 |
| Altmar, NY | $52,700 | $616 | $440 | $860 | $420 |
| New Bremen, NY | $128,200 | $611 | $410 | $860 | $450 |
| Macomb, NY | $87,300 | $591 | $410 | $850 | $440 |
| Leyden, NY | $85,700 | $591 | $410 | $820 | $410 |
| Central Square, NY | $144,400 | $634 | $430 | $870 | $440 |