Essex, NY Home Insurance Quotes!

If your primary focus for shopping online for Essex, NY homeowners insurance is based on affordable rates, then you have come to the right place. At GetHomeInsuranceQuotes.com, we compare the rates for you amongst 12 different carriers that all have competitive premium prices for homeowners living in the city of Essex. It's not uncommon for local residendce to want to discover lower home insurance cost. Our long term experience and fast quoting process allows us to compare premiums and coverages, which allows you to benefit from savings and getting the coverage protection you need for your home. It only takes a few minutes to shop the best rates and prices for your home within or nearby the Essex area.

Average Homeowners Insurance Rates in Essex, NY

Essex homeowners often want to know what other homeowners pay on average per month. This is a common question our insurance agents receives from customers that are looking to easily compare and lower rates. Essex homeowners are paying around $765 per year. The state average is $1,356 per year for a standard policy. Shopping the best companies and offering discounts with a home insurance policy you can depend on and trust is what we enjoy doing for you. We help homeowners in Essex pay around $1,015.00 per year on average, which is only $85.00 per month for great coverage you can depend on. Smaller homes in Essex may see even lower prices in the $765.00 per year. Larger homes in the 3,000 square foot range will be more on the higher priced insurance coverage due to the replacement cost of more expensive homes. Rates for higher-end homes are around $1,315.00 per year depending on dwelling coverage, zoning and available discounts. Start shopping your home insurance today to get the best rate!

What's Covered?

The average homeowners insurance rates reflect the cost of a standard homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and liability coverage. For homeowners living in Essex, it's important to know that your basic homeowners insurance policy does not protect you from flood damage. You need to purchase a separate policy know as a "flood insurance policy", and best of all our agents can help you determine what's the best fit for your home in terms of protection towards wind, hail and flood zones.

Essex, NY Housing Data

The city of Essex has grown to 1,198 residents in population size with 552 homes to be established within the city of Essex. The average house value per zip code in Essex, NY is $198,200. To help you determine your replacement cost for your home, you can review average and upgraded dwelling coverage options by using our homeowners insurance calculator.

Compare Homeowners Insurance Rates in Essex, NY!

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Average Rates Nearby Essex

Are you looking for homeowners insurance in a city near Essex? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Essex, NY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Essex.

12936,     

Essex, NY Home Insurance Average Premiums

$765 /yr.

For the city of Essex, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Essex, NY?

What does it cost on average per month for home insurance in Essex, NY?

Essex, NY - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Essex home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Get up to 12 competitive Essex, NY homeowners insurance rates all in one place!

Saving Money Tips on Essex Home Insurance

A great way to save money on Essex homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Essex area? Check out what homeowners are paying on average for New York homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New York flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Essex, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Essex County.

New York Homeowners Insurance News & Information

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Essex, NY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Essex so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Essex, NY?

- The average square footage in Essex is around 967 Sq. Ft. which would cost you around $198,200 to replace the home if you base the home on the price to build per square foot of $205.

Minimum Replacement Cost Total: $198,200

Location: Essex, New York (Essex County)

Average Building Cost Per Square Foot in Essex: $205 (low end)

Average Square Footage in Essex: 967 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($205) in Essex, New York times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $640,625 (Media price to build of $256 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

Essex, NY Home Insurance Quotes!

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